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中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例實(shí)施細(xì)則-中英對(duì)照法律英語(yǔ)
青島希尼爾翻譯公司 2016年8月2日整理發(fā)布
中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例實(shí)施細(xì)則
Detailed Rules for Implementation of Regulations of the People’s Republic of
China on Administration of Foreign-funded Insurance Companies
第一條 根據(jù)《中華人民共和國(guó)保險(xiǎn)法》和《中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例》（以下簡(jiǎn)稱《條例》），制定本細(xì)則。
Article 1 These Rules are formulated in accordance with the Insurance Law of
the People’s Republic of China and the Regulations of the People’s Republic of
China on Administration of Foreign-funded Insurance Companies (hereinafter
referred to as “the Regulations”).
第二條 《條例》所稱外國(guó)保險(xiǎn)公司，是指在中國(guó)境外注冊(cè)、經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)的保險(xiǎn)公司。
Article 2 A foreign insurance company under the Regulations refers to an
insurance company registered and conducting insurance business outside the
territory of China.
第三條 外國(guó)保險(xiǎn)公司與中國(guó)的公司、企業(yè)合資在中國(guó)境內(nèi)設(shè)立經(jīng)營(yíng)人身保險(xiǎn)業(yè)務(wù)的合資保險(xiǎn)公司（以下簡(jiǎn)稱合資壽險(xiǎn)公司），其中外資比例不得超過(guò)公司總股本的50％。
Article 3 The proportion of foreign equity in an insurance company
incorporated within the territory of China by a foreign insurance company with a
Chinese company or enterprise that conducts life insurance business (hereinafter
referred to as “joint-equity life insurance company”) shall be no more than 50%
of the total equity of the company.
外國(guó)保險(xiǎn)公司直接或者間接持有的合資壽險(xiǎn)公司股份，不得超過(guò)前款規(guī)定的比例限制。
The shares of a joint-equity life insurance company directly or indirectly
held by a foreign insurance company shall not exceed the limit of proportion as
stipulated in the preceding paragraph.
第四條 《條例》生效前在中國(guó)境內(nèi)設(shè)立的外資保險(xiǎn)公司，其注冊(cè)資本或者營(yíng)運(yùn)資金不足2億元人民幣或者其等值的自由兌換貨幣的，應(yīng)當(dāng)在本細(xì)則生效后2年內(nèi)繳足；
Article 4 For a foreign-funded insurance company established within the
territory of China before the Regulations became effective with registered
capital or working capital of less than RMB 200 million or an equivalent amount
in a freely convertible currency, its registered capital or working capital
shall be fully paid within 2 years after these Rules become effective.
未繳足注冊(cè)資本或者營(yíng)運(yùn)資金的，對(duì)于其開(kāi)展新業(yè)務(wù)的申請(qǐng)，中國(guó)保監(jiān)會(huì)不予批準(zhǔn)。
For those who fail to fully pay the registered capital or working capital,
China Insurance Regulatory Commission shall not grant approval to their
application for operation of new business.
第五條 外資保險(xiǎn)公司的注冊(cè)資本或者營(yíng)運(yùn)資金應(yīng)當(dāng)為實(shí)繳貨幣。
Article 5 The registered capital or working capital of a foreign-funded
insurance company shall be the actually paid-up currency.
第六條 外國(guó)保險(xiǎn)公司分公司成立后，外國(guó)保險(xiǎn)公司不得以任何形式抽回營(yíng)運(yùn)資金。
Article 6 After establishing a branch, the foreign insurance company shall not
withdraw the working capital in any form.
第七條
《條例》第八條第一項(xiàng)所稱經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)30年以上，是指外國(guó)保險(xiǎn)公司持續(xù)經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)30年以上，外國(guó)保險(xiǎn)公司吸收合并其他機(jī)構(gòu)或者與其他機(jī)構(gòu)合并設(shè)立新保險(xiǎn)公司的，不影響其經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)年限的計(jì)算。
Article 7 The period of operation of insurance business being more than 30
years, which is mentioned in Item 1 of Article 8 of the Regulations, means that
the foreign insurance company shall have continuously been running insurance
business for more than 30 years, and the foreign insurance company’s acquisition
of another institution or merger with another institution to establish a new
insurance company, shall not affect the calculation of the business operation
period.
外國(guó)保險(xiǎn)公司子公司的經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)年限，從該子公司設(shè)立時(shí)開(kāi)始計(jì)算。
The business operation period of a subsidiary of a foreign insurance company
shall start from the date of establishment of the subsidiary.
第八條 《條例》第八條第二項(xiàng)所稱代表機(jī)構(gòu)，是指經(jīng)中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)（以下簡(jiǎn)稱中國(guó)保監(jiān)會(huì)）批準(zhǔn)的下列代表機(jī)構(gòu)：
Article 8 The representative office mentioned in Item 2 of Article 8 of the
Regulations refers to the following representative offices approved by China
Insurance Regulatory Commission (hereinafter referred to as “CIRC”):
（一）外國(guó)保險(xiǎn)公司設(shè)立的代表機(jī)構(gòu)；
(1) The representative office established by a foreign insurance company;
?。ǘ┩鈬?guó)保險(xiǎn)公司所在的集團(tuán)公司設(shè)立的代表機(jī)構(gòu)。
(2) The representative office established by a group to which a foreign
insurance company belongs.
第九條 外國(guó)保險(xiǎn)公司或者其所在的集團(tuán)公司設(shè)立的代表機(jī)構(gòu)，只能適用于申請(qǐng)?jiān)O(shè)立一家外資保險(xiǎn)公司。
Article 9 The representative office established by a foreign insurance company
or its group to which the insurance company belongs is only applicable to
application for establishing one foreign-funded insurance company.
第十條 《條例》第八條第三項(xiàng)所稱設(shè)立申請(qǐng)前1年年末，是指申請(qǐng)日的上一個(gè)會(huì)計(jì)年度末。
Article 10 The end of the year prior to the application for the establishment
mentioned in Item 3 of Article 8 of the Regulations refers to the end of the
previous fiscal year before the date of application.
第十一條 《條例》第八條第七項(xiàng)所稱其他審慎性條件，至少包括下列條件：
Article 11 The other prudential requirements mentioned in Item 7 of Article 8
of the Regulations shall at least include the following requirements:
?。ㄒ唬┓ㄈ酥卫斫Y(jié)構(gòu)合理；
(1) Reasonable structure for corporate governance;
?。ǘ╋L(fēng)險(xiǎn)管理體系穩(wěn)健；
(2) Stable and sound risk control system;
?。ㄈ﹥?nèi)部控制制度健全；
(3) Sound internal control system;
（四）管理信息系統(tǒng)有效；
(4) Effective Management Information System;
?。ㄎ澹┙?jīng)營(yíng)狀況良好，無(wú)重大違法違規(guī)記錄。
(5) Good operating performance without records of serious violation of laws
and regulations.
第十二條 申請(qǐng)人不能提供《條例》第九條第二項(xiàng)要求的營(yíng)業(yè)執(zhí)照（副本）的，可以提供營(yíng)業(yè)執(zhí)照的有效復(fù)印件或者有關(guān)主管當(dāng)局出具的該申請(qǐng)人有權(quán)經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)的書(shū)面證明。
Article 12 Where the applicant fails to provide the business license
(duplicate) as stipulated in Item 2 of Article 9 of the Regulations, the
applicant may provide a valid copy of the business license or a written
certificate issued by the relevant authority evidencing the applicant’s
eligibility to conduct insurance business.
第十三條 《條例》第九條第二項(xiàng)所稱外國(guó)申請(qǐng)人所在國(guó)家或者地區(qū)有關(guān)主管當(dāng)局對(duì)其符合償付能力標(biāo)準(zhǔn)的證明，應(yīng)當(dāng)包括下列內(nèi)容之一：
Article 13 The certificate mentioned in Item 2 of Article 9 of the
Regulations, which is issued by the relevant authority of the country or region
where the foreign applicant is located to evidence the applicant’s solvency,
shall include one of the following contents:
（一）在有關(guān)主管當(dāng)局出具證明之日的上一個(gè)會(huì)計(jì)年度，該申請(qǐng)人的償付能力符合該國(guó)家或者地區(qū)的監(jiān)管要求；
(1) Certifying that the applicant complies with the regulatory requirements of
the country or region on solvency in the previous fiscal year as of the date
when the relevant authority issues the certificate;
（二）在有關(guān)主管當(dāng)局出具證明之日的上一個(gè)會(huì)計(jì)年度中，該申請(qǐng)人沒(méi)有不符合該國(guó)家或者地區(qū)償付能力標(biāo)準(zhǔn)的記錄。
(2) Certifying that the applicant has no record of incompliance with the
standard of the country or region on solvency in the previous fiscal year as of
the date when the relevant authority issues the certificate.
第十四條 《條例》第九條第二項(xiàng)所稱外國(guó)申請(qǐng)人所在國(guó)家或者地區(qū)有關(guān)主管當(dāng)局對(duì)其申請(qǐng)的意見(jiàn)書(shū)，應(yīng)當(dāng)包括下列內(nèi)容：
Article 14 The Letter of Comments issued by the relevant authority of the
country or region where the foreign applicant is located concerning the
applicant’s application, which is mentioned in Item 2 of Article 9 of the
Regulations, shall include the following contents:
?。ㄒ唬┰撋暾?qǐng)人申請(qǐng)?jiān)谥袊?guó)境內(nèi)設(shè)立保險(xiǎn)機(jī)構(gòu)是否符合該國(guó)家或者地區(qū)的法律規(guī)定;
(1) Whether the application for the establishment of an insurance institution
in China complies with the laws and rules of the applicant’s country or region;
?。ǘ┦欠裢庠撋暾?qǐng)人的申請(qǐng);
(2) Whether the authority approves the applicant’s application;
?。ㄈ┰谟嘘P(guān)主管當(dāng)局出具意見(jiàn)之日的前3年，該申請(qǐng)人受處罰的記錄。
(3) The record of the punishment imposed on the applicant in the last three
years prior to the date of issuance of the Letter of Comments by the relevant
authority;
第十五條 《條例》第九條第三項(xiàng)所稱年報(bào)，應(yīng)當(dāng)包括申請(qǐng)人在申請(qǐng)日的前3個(gè)會(huì)計(jì)年度的資產(chǎn)負(fù)債表、利潤(rùn)表和現(xiàn)金流量表。
Article 15 The annual report mentioned in Item 3 of Article 9 of the
Regulations shall include the Balance Sheets, Statements of Profit and Loss, and
Cash Flow Statements of the applicant in the last three fiscal years prior to
the date of application.
前款所列報(bào)表應(yīng)當(dāng)附由申請(qǐng)人所在國(guó)家或者地區(qū)認(rèn)可的會(huì)計(jì)師事務(wù)所或者審計(jì)師事務(wù)所出具的審計(jì)意見(jiàn)書(shū)。
The annual report mentioned in the preceding paragraph shall be attached with
the auditor’s report issued by an accounting or auditing firm authorized by the
country or region where the applicant is located.
第十六條 除法律、行政法規(guī)另有規(guī)定或者經(jīng)國(guó)務(wù)院批準(zhǔn)外，《條例》第九條第四項(xiàng)所稱中國(guó)申請(qǐng)人應(yīng)當(dāng)符合下列條件：
Article 16 Except otherwise specified by the laws or administrative
regulations or approved by the State Council, the Chinese applicant mentioned in
Item 4 of Article 9 of the Regulations shall satisfy the following requirements:
?。ㄒ唬┙?jīng)工商行政管理部門(mén)登記注冊(cè)的具有法人資格的公司或者企業(yè)，商業(yè)銀行、證券機(jī)構(gòu)以及《中華人民共和國(guó)外資企業(yè)法》規(guī)定的外資企業(yè)除外；
(1) The companies or enterprises with the capacity of legal person registered
at the administration department of industry and commerce, excluding commercial
banks, securities organizations and the foreign-funded enterprises specified in
the Law of the People’s Republic of China on Foreign-funded Enterprises;
（二）經(jīng)企業(yè)行政主管機(jī)關(guān)或者其股東會(huì)批準(zhǔn)；
(2) Being approved by the administrative authority of the enterprise or its
shareholders’ meeting;
?。ㄈ┙?jīng)營(yíng)狀況良好，且申請(qǐng)日的上一個(gè)會(huì)計(jì)年度為盈利；
(3) Good operating performance and in the previous fiscal year as of the
application date being profitable;
?。ㄋ模┮宰杂匈Y金出資，來(lái)源合法。
(4) Making the investment with self-owned capital from legitimate sources.
第十七條
設(shè)立合資保險(xiǎn)公司的中國(guó)申請(qǐng)人，應(yīng)當(dāng)提交的有關(guān)資料包括營(yíng)業(yè)執(zhí)照（副本）、公司或者企業(yè)的章程、業(yè)務(wù)結(jié)構(gòu)、經(jīng)營(yíng)歷史、最近3年的年報(bào)以及最近3年受處罰的記錄。
Article 17 The relevant documents to be submitted by a Chinese applicant for
the establishment of a joint-equity insurance company shall include business
license (duplicate), articles of association, business structure, operation
history, annual report and punishment record for the last three years.
第十八條 擬設(shè)外資保險(xiǎn)公司的籌建負(fù)責(zé)人應(yīng)當(dāng)具備下列條件：
Article 18 The person in charge of the preparation of a foreign-funded
insurance company shall satisfy the following requirements:
?。ㄒ唬?大專以上學(xué)歷；
(1) Academic degree above junior college level;
?。ǘ?從事保險(xiǎn)或者相關(guān)工作2年以上；
(2) Insurance or related work experience for over 2 years;
（三） 無(wú)違法犯罪記錄。
(3) No illegal and criminal record.
第十九條 申請(qǐng)人根據(jù)《條例》第十一條規(guī)定申請(qǐng)延長(zhǎng)籌建期的，應(yīng)當(dāng)在籌建期期滿之日的前1個(gè)月以內(nèi)向中國(guó)保監(jiān)會(huì)提交書(shū)面申請(qǐng)，并說(shuō)明理由。
Article 19 Where an applicant applies for the extension of the preparation
period according to the provisions specified in Article 11 of the Regulations,
he shall, within 1 month before expiration of the original preparation period,
submit a written application to CIRC and explain the reason.
第二十條 《條例》第十一條第一項(xiàng)所稱籌建報(bào)告，應(yīng)當(dāng)對(duì)該條其他各項(xiàng)的內(nèi)容作出綜述。
Article 20 The preparation report mentioned in Item 1 of Article 11 of the
Regulations shall summarize all the issues stated in other paragraphs under this
article.
第二十一條 《條例》第十一條第四項(xiàng)所稱法定驗(yàn)資機(jī)構(gòu)，是指符合中國(guó)保監(jiān)會(huì)要求的會(huì)計(jì)師事務(wù)所。
Article 21 The statutory capital verification organization mentioned in Item 4
of Article 11 of the Regulations refers to an accounting firm complying with the
requirements of CIRC.
第二十二條 《條例》第十一條第四項(xiàng)所稱驗(yàn)資證明，應(yīng)當(dāng)包括下列內(nèi)容：
Article 22 The capital verification certificate mentioned in Item 4 of Article
11 of the Regulations shall include the following contents:
?。ㄒ唬┓ǘ?yàn)資機(jī)構(gòu)出具的驗(yàn)資報(bào)告；
(1) A Capital Verification Report issued by a statutory capital verification
organization;
?。ǘ┳?cè)資本或者營(yíng)運(yùn)資金的銀行原始入賬憑證的復(fù)印件。
(2) A copy of the original bank receipt voucher evidencing payment of the
registered capital or working capital.
第二十三條 《條例》第十一條第五項(xiàng)所稱主要負(fù)責(zé)人，是指擬設(shè)外國(guó)保險(xiǎn)公司分公司的總經(jīng)理。
Article 23 The main person-in-charge mentioned in Item 5 of Article 11 of the
Regulations refers to the general manager of the proposed branch of a foreign
insurance company.
對(duì)擬任外國(guó)保險(xiǎn)公司分公司主要負(fù)責(zé)人的授權(quán)書(shū)，是指由外國(guó)保險(xiǎn)公司董事長(zhǎng)或者總經(jīng)理簽署的、對(duì)擬任外國(guó)保險(xiǎn)公司分公司總經(jīng)理的授權(quán)書(shū)。
The letter of attorney issued to the person to be appointed as the main
person-in-charge of the proposed branch of the foreign insurance company, refers
to the letter of attorney issued to the person to be appointed as the general
manager of the proposed branch of the foreign insurance company, which is signed
by the Chairman of the Board of Directors or General Manager of the foreign
insurance company.
授權(quán)書(shū)應(yīng)當(dāng)明確記載被授權(quán)人的權(quán)限范圍。
The letter of attorney shall explicitly specify the scope of authorization
granted to the authorized person.
第二十四條 《條例》第十一條第六項(xiàng)所稱擬設(shè)公司的高級(jí)管理人員，應(yīng)當(dāng)符合中國(guó)保監(jiān)會(huì)規(guī)定的任職資格條件。
Article 24 The senior managerial personnel of the proposed company mentioned
in Item 6 of Article 11 of the Regulations shall have the qualifications
specified by CIRC.
外國(guó)保險(xiǎn)公司分公司的高級(jí)管理人員，應(yīng)當(dāng)具備保險(xiǎn)公司總公司高級(jí)管理人員的任職資格條件。
The senior managerial personnel of the branch of a foreign insurance company
shall have the qualifications equal to those required for the counterparts in
the headquarters of an insurance company.
第二十五條 《條例》第十一條第九項(xiàng)所稱擬設(shè)公司的營(yíng)業(yè)場(chǎng)所的資料，是指營(yíng)業(yè)場(chǎng)所所有權(quán)或者使用權(quán)的證明文件。
Article 25 The materials regarding business place of the proposed company
mentioned in Item 9 of Article 11 of the Regulations refers to the supporting
documents evidencing the ownership or use-right of the business place.
《條例》第十一條第九項(xiàng)所稱與業(yè)務(wù)有關(guān)的其他設(shè)施的資料，至少包括計(jì)算機(jī)設(shè)備配置、網(wǎng)絡(luò)建設(shè)情況以及信息管理系統(tǒng)情況。
The materials concerning other facilities related to the business mentioned in
Item 9 of Article 11 of the Regulations shall include at least information about
configuration of computer facilities, network construction and information
management system.
第二十六條
《條例》和本細(xì)則要求申請(qǐng)?jiān)O(shè)立外資保險(xiǎn)公司的外國(guó)保險(xiǎn)公司提供的下列文件或者資料，應(yīng)當(dāng)經(jīng)所在國(guó)家或者地區(qū)依法設(shè)立的公證機(jī)構(gòu)公證，或者經(jīng)中國(guó)駐該國(guó)使、領(lǐng)館認(rèn)證：
Article 26 The following documents or materials to be provided by a foreign
insurance company for an application for the establishment of a foreign-funded
insurance company according to the requirements specified in the Regulations and
these Rules, shall be notarized by a public notary legally established in the
local country or region, or verified by the embassy or consulate of China in
that country:
?。ㄒ唬?營(yíng)業(yè)執(zhí)照（副本）或者營(yíng)業(yè)執(zhí)照的有效復(fù)印件；
(1) The business license (duplicate) or valid copy of the business license;
?。ǘ?對(duì)擬任外國(guó)保險(xiǎn)公司分公司主要負(fù)責(zé)人的授權(quán)書(shū)；
(2) A letter of attorney issued to the proposed person-in-charge of the branch
of a foreign insurance company;
（三） 外國(guó)保險(xiǎn)公司對(duì)其中國(guó)境內(nèi)分公司承擔(dān)稅務(wù)、債務(wù)的責(zé)任擔(dān)保書(shū)。
(3) A letter of guarantee of a foreign insurance company to undertake the
obligations of tax and duties payment and debts repayment on behalf of its
branch in China.
第二十七條 外資保險(xiǎn)公司可以根據(jù)業(yè)務(wù)發(fā)展需要申請(qǐng)?jiān)O(shè)立分支機(jī)構(gòu)。
Article 27 A foreign-funded insurance company may apply for establishing
branches as needed according to business development.
外國(guó)保險(xiǎn)公司分公司只能在其所在省、自治區(qū)或者直轄市的行政轄區(qū)內(nèi)開(kāi)展業(yè)務(wù)。合資保險(xiǎn)公司、獨(dú)資保險(xiǎn)公司在其住所地以外的各省、自治區(qū)、直轄市開(kāi)展業(yè)務(wù)的，應(yīng)當(dāng)設(shè)立分公司。
The branch of a foreign insurance company can only conduct business within the
territory of the province, autonomous region or municipality where the branch is
located. Where the joint-equity insurance company or wholly-owned insurance
company is prepared to conduct business in any other province, autonomous region
or municipality outside its locality, it shall establish a branch in the place
concerned.
外資保險(xiǎn)公司可以根據(jù)實(shí)際情況申請(qǐng)?jiān)O(shè)立中心支公司、支公司、營(yíng)業(yè)部或者營(yíng)銷服務(wù)部。營(yíng)銷服務(wù)部的設(shè)立和管理，中國(guó)保監(jiān)會(huì)另有規(guī)定的，適用其規(guī)定。
A foreign insurance company may, according to actual circumstances, apply for
establishing a central sub-branch or sub-branch, operating office or marketing
service office. The establishment and management of marketing service offices
shall be subject to other applicable regulations of CIRC, if any.
第二十八條
合資保險(xiǎn)公司、獨(dú)資保險(xiǎn)公司以最低注冊(cè)資本人民幣2億元設(shè)立的，在其住所地以外的每一省、自治區(qū)、直轄市首次申請(qǐng)?jiān)O(shè)立分公司，應(yīng)當(dāng)增加不少于人民幣2千萬(wàn)元的注冊(cè)資本。
Article 28 Where a joint-equity or wholly-owned insurance company which has
been established with a minimum registered capital of RMB200 million, applies
for the first time for the establishment of a branch in every other province,
autonomous region, or municipality outside its locality, it shall increase the
registered capital by no less than RMB20 million.
申請(qǐng)?jiān)O(shè)立分公司時(shí)，合資保險(xiǎn)公司、獨(dú)資保險(xiǎn)公司注冊(cè)資本達(dá)到前款規(guī)定的增資后額度的，可以不再增加相應(yīng)的注冊(cè)資本。
By the time of applying for the establishment of a branch, if the registered
capital of a joint-equity or wholly-owned insurance company has reached the
amount as stipulated in the preceding paragraph, the company will no longer be
required to increase its registered capital.
合資保險(xiǎn)公司、獨(dú)資保險(xiǎn)公司注冊(cè)資本達(dá)到人民幣5億元，在償付能力充足的情況下，設(shè)立分公司不需要增加注冊(cè)資本。
Where the registered capital of a joint-equity or wholly-owned insurance
company has reached RMB500 million and where the solvency of the company is
adequate, no increase of registered capital is required when the company applies
for the establishment of a branch.
第二十九條 外資保險(xiǎn)公司申請(qǐng)?jiān)O(shè)立分支機(jī)構(gòu)，應(yīng)當(dāng)具備下列條件：
Article 29 A foreign-funded insurance company that applies for the
establishment of a branch shall satisfy the following requirements:
?。ㄒ唬﹥敻赌芰︻~度符合中國(guó)保監(jiān)會(huì)有關(guān)規(guī)定；
(1) Its solvency margin shall comply with relevant regulations specified by
CIRC.
?。ǘ﹥?nèi)控制度健全，無(wú)受處罰的記錄；經(jīng)營(yíng)期限超過(guò)2年的，最近2年內(nèi)無(wú)受處罰的記錄；
(2) Its internal control system is sound and there is no record of punishment;
where the operating period exceeds 2 years, there is no record of punishment in
the most recent 2 years;
（三）具有符合中國(guó)保監(jiān)會(huì)規(guī)定任職資格條件的分支機(jī)構(gòu)高級(jí)管理人員。
(3) It has senior managerial personnel of the branch with the relevant
qualifications specified by CIRC.
第三十條 設(shè)立分支機(jī)構(gòu)，應(yīng)當(dāng)由外資保險(xiǎn)公司向中國(guó)保監(jiān)會(huì)提出申請(qǐng)，并提交下列材料一式三份：
Article 30 A foreign-funded insurance company that applies for the
establishment of a branch shall submit an application to CIRC and provide the
following documents in triplicate:
?。ㄒ唬┰O(shè)立申請(qǐng)書(shū)；
(1) A letter of application for establishment;
?。ǘ┥弦荒甓饶┖妥罱径饶┙?jīng)審計(jì)的償付能力狀況報(bào)告；
(2) Audited solvency status reports as of the end of the previous fiscal year
and as of the end of the last quarter;
（三）擬設(shè)機(jī)構(gòu)3年業(yè)務(wù)發(fā)展規(guī)劃和市場(chǎng)分析；
(3) A three-year business development plan and market analysis for the
proposed branch;
?。ㄋ模M設(shè)機(jī)構(gòu)籌建負(fù)責(zé)人的簡(jiǎn)歷及相關(guān)證明材料。
(4) Resume(s) of the person(s)-in-charge of the organization preparation and
relevant certificates.
第三十一條
中國(guó)保監(jiān)會(huì)應(yīng)當(dāng)對(duì)設(shè)立分支機(jī)構(gòu)的申請(qǐng)進(jìn)行審查，自收到完整的申請(qǐng)材料之日起20日內(nèi)作出批準(zhǔn)或者不批準(zhǔn)籌建的決定；決定不批準(zhǔn)的，應(yīng)當(dāng)書(shū)面通知申請(qǐng)人并說(shuō)明理由。
Article 31 CIRC shall examine the application and decide, within 20 days after
receiving the complete application documents, whether or not to grant approval;
in case no approval is granted, CIRC shall inform the applicant in writing of
the decision and explain the reason.
申請(qǐng)被批準(zhǔn)后，申請(qǐng)人應(yīng)當(dāng)在6個(gè)月內(nèi)完成分支機(jī)構(gòu)的籌建。在規(guī)定期限內(nèi)未完成籌建工作，有正當(dāng)理由的，經(jīng)中國(guó)保監(jiān)會(huì)批準(zhǔn)，籌建期可延長(zhǎng)3個(gè)月。在延長(zhǎng)期內(nèi)仍未完成籌建工作的，中國(guó)保監(jiān)會(huì)作出的原批準(zhǔn)文件自動(dòng)失效。
After approval is granted, the applicant shall complete the preparation within
6 months. Where the applicant fails to do so within the prescribed time limit,
if the reason is justified and subject to approval by CIRC, the period may be
extended for 3 months. Where the preparation is still not completed within the
extended period, the original approval document issued by CIRC becomes void
automatically.
籌建機(jī)構(gòu)不得從事任何保險(xiǎn)業(yè)務(wù)經(jīng)營(yíng)活動(dòng)。
The preparing body may not be engaged in any commercial activities concerning
insurance.
第三十二條 分支機(jī)構(gòu)籌建工作完成后，申請(qǐng)人應(yīng)當(dāng)向中國(guó)保監(jiān)會(huì)提出開(kāi)業(yè)申請(qǐng)，并提交下列材料一式三份：
Article 32 After the preparation is completed, the applicant shall apply to
CIRC for opening business and submit the following documents in triplicate:
?。ㄒ唬╅_(kāi)業(yè)申請(qǐng)書(shū)；
(1) A letter of application for opening business;
?。ǘ┗I建工作完成情況報(bào)告；
(2) A progress report of the preparation work;
（三）擬任高級(jí)管理人員簡(jiǎn)歷及有關(guān)證明；
(3) Resume(s) of senior managerial personnel to be appointed and relevant
certificates;
?。ㄋ模M設(shè)機(jī)構(gòu)辦公場(chǎng)所所有權(quán)或者使用權(quán)的有關(guān)證明，計(jì)算機(jī)設(shè)備配置及網(wǎng)絡(luò)建設(shè)情況，內(nèi)部機(jī)構(gòu)設(shè)置及從業(yè)人員情況等。
(4) Relevant certificates of ownership or use-right of the office for the
proposed branch, information regarding the configuration of computer facilities,
network construction, and internal structure and staff.
第三十三條 中國(guó)保監(jiān)會(huì)應(yīng)當(dāng)自收到設(shè)立分支機(jī)構(gòu)完整的開(kāi)業(yè)申請(qǐng)文件之日起20日內(nèi)，作出核準(zhǔn)或者不予核準(zhǔn)的決定。
Article 33 CIRC shall decide, within 20 days after receiving the complete
application documents for opening business, whether or not to grant approval;
決定核準(zhǔn)的，頒發(fā)分支機(jī)構(gòu)經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)許可證；決定不予核準(zhǔn)的，應(yīng)當(dāng)書(shū)面通知申請(qǐng)人并說(shuō)明理由。
in case the application is approved, a license for conducting insurance
business shall be issued to the branch; in case the application is disapproved,
CIRC shall inform the applicant in writing of the decision and explain the
reason.
經(jīng)核準(zhǔn)開(kāi)業(yè)的保險(xiǎn)公司分支機(jī)構(gòu)，應(yīng)當(dāng)持核準(zhǔn)文件及保險(xiǎn)許可證，向工商行政管理部門(mén)辦理登記注冊(cè)手續(xù)，領(lǐng)取營(yíng)業(yè)執(zhí)照后方可營(yíng)業(yè)。
The branch with approval for opening business shall go through the formalities
of business registration at the administration department of industry and
commerce by presenting the approval document and the license for conducting
insurance business and accordingly obtain business license from the authority
before opening business.
第三十四條 外資保險(xiǎn)公司及其分支機(jī)構(gòu)的高級(jí)管理人員，其任職資格審核與管理，按照中國(guó)保監(jiān)會(huì)的有關(guān)規(guī)定執(zhí)行，本細(xì)則另有規(guī)定的除外。
Article 34 Unless otherwise stipulated in these Rules, the examination and
administration of the qualifications of the senior managerial personnel of a
foreign-funded insurance company and its branches shall be subject to the
relevant regulations of CIRC.
第三十五條 合資、獨(dú)資財(cái)產(chǎn)保險(xiǎn)公司因分立、合并或者公司章程規(guī)定的解散事由出現(xiàn)，申請(qǐng)解散的，應(yīng)當(dāng)報(bào)中國(guó)保監(jiān)會(huì)批準(zhǔn)，并提交下列資料：
Article 35 Where a joint-equity or wholly-owned property insurance company
applies for dissolution when it splits, or merges with another one, or dissolves
pursuant to the articles of association, such dissolution must be subject to
approval of CIRC and the following documents shall be submitted:
?。ㄒ唬┕径麻L(zhǎng)簽署的申請(qǐng)書(shū)；
(1) A letter of application signed by the Chairman of the Board of Directors
of the company;
（二）公司股東會(huì)的決議；
(2) The resolution of the meeting of shareholders;
?。ㄈM成立的清算組人員構(gòu)成及清算方案；
(3) Composition of the proposed liquidation group and a plan for liquidation;
?。ㄋ模┪戳素?zé)任的處理方案。
(4) A proposal for solving the outstanding liabilities.
第三十六條
經(jīng)中國(guó)保監(jiān)會(huì)批準(zhǔn)解散的合資、獨(dú)資財(cái)產(chǎn)保險(xiǎn)公司，應(yīng)當(dāng)自收到中國(guó)保監(jiān)會(huì)批準(zhǔn)文件之日起，停止新的業(yè)務(wù)經(jīng)營(yíng)活動(dòng)，向中國(guó)保監(jiān)會(huì)繳回經(jīng)營(yíng)保險(xiǎn)業(yè)務(wù)許可證，并在15日內(nèi)成立清算組。
Article 36 The joint-equity or wholly-owned property insurance company whose
dissolution has been approved by CIRC shall, from the date of receiving the
approval document from CIRC, terminate any new business activities and hand in
the license for conducting insurance business to CIRC and form a liquidation
group within 15 days.
第三十七條 清算組應(yīng)當(dāng)自成立后5日內(nèi)將公司開(kāi)始清算程序的情況書(shū)面通知工商行政管理、稅務(wù)、勞動(dòng)與社會(huì)保障等有關(guān)部門(mén)。
Article 37 The liquidation group shall, within 5 days after its establishment,
inform the relevant authorities concerning the administration departments of
industry and commerce, tax, labor and social security in writing of the
liquidation procedure and conditions.
第三十八條 清算組應(yīng)當(dāng)自成立之日起1個(gè)月內(nèi)聘請(qǐng)符合中國(guó)保監(jiān)會(huì)要求的會(huì)計(jì)師事務(wù)所進(jìn)行審計(jì)；自聘請(qǐng)之日起3個(gè)月內(nèi)向中國(guó)保監(jiān)會(huì)提交審計(jì)報(bào)告。
Article 38 The liquidation group shall, within 1 month from the date of
establishment, appoint an accounting firm pursuant to the requirements of CIRC
to conduct auditing, and shall deliver an auditor’s report to CIRC within three
months from the date of appointment.
第三十九條 清算組應(yīng)當(dāng)在每月10號(hào)前向中國(guó)保監(jiān)會(huì)報(bào)送有關(guān)債務(wù)清償、資產(chǎn)處置等最新情況報(bào)告。
Article 39 The liquidation group shall submit the latest liability liquidation
and assets disposal report to CIRC before the tenth date of each month.
第四十條 《條例》第二十八條所稱報(bào)紙，是指中國(guó)保監(jiān)會(huì)指定的報(bào)紙。
Article 40 The newspaper mentioned in Article 28 of the Regulations refers to
the newspaper specified by CIRC.
第四十一條 外國(guó)財(cái)產(chǎn)保險(xiǎn)公司申請(qǐng)撤銷其在中國(guó)境內(nèi)分公司的，應(yīng)當(dāng)報(bào)中國(guó)保監(jiān)會(huì)批準(zhǔn)，并提交下列資料：
Article 41 The foreign property insurance company that applies for
cancellation of its branch in China shall submit an application to CIRC for
approval and present the following materials:
（一）外國(guó)財(cái)產(chǎn)保險(xiǎn)公司董事長(zhǎng)或者總經(jīng)理簽署的申請(qǐng)書(shū)；
(1) A letter of application signed by the Board of Directors or General
Manager of the foreign property insurance company;
（二）擬成立的清算組人員構(gòu)成及清算方案；
(2) Composition of the proposed liquidation group and a plan for liquidation;
?。ㄈ┪戳素?zé)任的處理方案。
(3) A proposal for solving the outstanding liabilities.
外國(guó)財(cái)產(chǎn)保險(xiǎn)公司撤銷其在中國(guó)境內(nèi)分公司的具體程序，適用《條例》及本細(xì)則有關(guān)合資、外資財(cái)產(chǎn)保險(xiǎn)公司申請(qǐng)解散的程序。
The procedures of application for dissolution of a joint-equity or
foreign-funded property insurance company specified in the Regulations and these
Rules shall be applicable to the specific procedures for the foreign property
insurance company to cancel its branch in China.
外國(guó)財(cái)產(chǎn)保險(xiǎn)公司分公司的總公司解散、依法被撤銷或者宣告破產(chǎn)的，外國(guó)財(cái)產(chǎn)保險(xiǎn)公司分公司的清算及債務(wù)處理適用《條例》第三十條及本細(xì)則有關(guān)合資、獨(dú)資財(cái)產(chǎn)保險(xiǎn)公司解散的相應(yīng)規(guī)定。
Where the head office of a branch of a foreign property insurance company is
dissolved or cancelled or declared bankruptcy according to law, the liquidation
and liability disposal of the branch of such foreign property insurance company
shall comply with the regulations concerning dissolution of the joint-equity or
wholly-owned property insurance company stipulated in Article 30 of the
Regulations and these Rules.
第四十二條 外資保險(xiǎn)公司違反本細(xì)則有關(guān)規(guī)定的，由中國(guó)保監(jiān)會(huì)依據(jù)《保險(xiǎn)法》、《條例》等法律、行政法規(guī)進(jìn)行處罰。
Article 42 The foreign-funded insurance company in violation of the relevant
provisions of these Rules shall be subject to punishment by CIRC according to
the provisions specified in Insurance Law, the Regulations and other relevant
laws and regulations.
第四十三條 《條例》及本細(xì)則要求提交、報(bào)送的文件、資料和書(shū)面報(bào)告，應(yīng)當(dāng)提供中文本，中外文本表述不一致的，以中文本的表述為準(zhǔn)。
Article 43 The documents, materials and written reports to be submitted or
reported under the Regulations and these Rules shall be prepared in Chinese
version, and the Chinese version shall prevail in the event of discrepancy
between the Chinese version and the foreign language version.
第四十四條 《條例》及本細(xì)則規(guī)定的期限,從有關(guān)資料送達(dá)中國(guó)保監(jiān)會(huì)之日起計(jì)算。
Article 44 The period specified in the Regulations and these Rules shall start
from the date when the relevant materials are delivered to CIRC.
申請(qǐng)人申請(qǐng)文件不全、需要補(bǔ)交資料的，期限應(yīng)當(dāng)從申請(qǐng)人的補(bǔ)交資料送達(dá)中國(guó)保監(jiān)會(huì)之日起重新計(jì)算。
If the application documents provided by the applicant is incomplete and
further delivery is needed, the period shall start from the date when the
supplementary materials are delivered to CIRC.
本細(xì)則有關(guān)批準(zhǔn)、報(bào)告期間的規(guī)定是指工作日。
The period concerning approval and report delivery prescribed in these Rules
refers to working days.
第四十五條 對(duì)外資保險(xiǎn)公司的管理，《條例》和本細(xì)則未作規(guī)定的，適用其他法律、行政法規(guī)與中國(guó)保監(jiān)會(huì)的有關(guān)規(guī)定。
Article 45 The issues concerning administration of a foreign-funded insurance
company that are not specified in the Regulations or these Rules shall be
governed by the applicable laws, administrative rules and relevant regulations
of CIRC.
外資再保險(xiǎn)公司的設(shè)立適用《再保險(xiǎn)公司設(shè)立規(guī)定》，《再保險(xiǎn)公司設(shè)立規(guī)定》未作規(guī)定的，適用本細(xì)則。
The establishment of a foreign-funded reinsurance company shall comply with
the Regulations on Establishment of Reinsurance Companies. The issues not
specified in the Regulations on Establishment of Reinsurance Companies shall be
governed by these Rules.
第四十六條 香港特別行政區(qū)、澳門(mén)特別行政區(qū)和臺(tái)灣地區(qū)的保險(xiǎn)公司在內(nèi)地設(shè)立和營(yíng)業(yè)的保險(xiǎn)公司，比照適用《條例》和本細(xì)則；
Article 46 These Rules shall, mutatis mutandis, apply to insurance companies
that are established and operated in Chinese mainland by insurance companies
from Hong Kong Special Administrative Region, Macao Special Administrative
Region or Taiwan region.
法律、行政法規(guī)或者行政協(xié)議另有規(guī)定的，適用其規(guī)定。
The issues otherwise stipulated in the laws, administrative rules or
administrative protocols shall be governed by the stipulations therein.
第四十七條 本細(xì)則自2004年6月15日起施行。
Article 47 These Rules shall come into effect as of June 15, 2004.
中英對(duì)照法規(guī) 英文法規(guī) 中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例實(shí)施細(xì)則中英雙語(yǔ) 中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例實(shí)施細(xì)則中英對(duì)照 中華人民共和國(guó)外資保險(xiǎn)公司管理?xiàng)l例實(shí)施細(xì)則英語(yǔ)版
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