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Notice of the China Insurance Regulatory Commission on Strengthening the Administration of the Clauses and Premium Rates for Commercial Motor Vehicle Insurance
(No. 16 [2012] of the China Insurance Regulatory Commission)
All property insurance companies, all offices of the China Insurance Regulatory Commission, and the Insurance Association of China:
In order to further regulate the market order of commercial motor vehicle insurance (hereinafter referred to as "commercial vehicle insurance"), improve the regulatory system for commercial vehicle insurance, and follow the principle of protecting public interests and preventing unfair competition, and in accordance with the Insurance Law of the People's Republic of China, the Measures for the Administration of Insurance Clauses and Insurance Premium Rates of Property Insurance Companies and other relevant laws, regulations and provisions, we hereby notify you of the issues concerning the strengthening of the administration of commercial vehicle insurance clauses and premium rates as follows:
| | 中国保险监督管理委员会关于加强机动车辆商业保险条款费率管理的通知
（保监发〔2012〕16号）
各财产保险公司、各保监局、中国保险行业协会：
为进一步规范机动车辆商业保险（以下简称商业车险）市场秩序，完善商业车险监管制度，遵循维护社会公众利益和防止不正当竞争的原则，根据《中华人民共和国保险法》、《财产保险公司保险条款和保险费率管理办法》等法律法规及相关规定，现就加强商业车险条款费率管理的有关事项通知如下：
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I. Principles for determining commercial vehicle insurance clauses and premium rates
| | 一、关于商业车险条款费率拟订的原则
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1. Insurance companies shall determine the commercial vehicle insurance clauses and premium rates according to laws, administrative regulations and the provisions of the China Insurance Regulatory Commission (“CIRC”). Insurance companies shall assume corresponding legal responsibility for the commercial vehicle insurance clauses and premium rates they set.
Insurance companies shall submit the commercial vehicle insurance clauses and premium rates they set to the CIRC for approval. Insurance companies shall strictly implement the commercial vehicle insurance clauses and premium rates approved by the CIRC.
| | （一）保险公司应当依据法律、行政法规和中国保险监督管理委员会（以下简称保监会）的有关规定拟订商业车险条款和费率。保险公司应当对拟订的商业车险条款费率承担相应的法律责任。
保险公司拟订的商业车险条款费率应当报保监会批准。保险公司应当严格执行经保监会批准的商业车险条款和费率。
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2. When determining commercial vehicle insurance clauses and premium rates, insurance companies shall follow the principles of compliance, impartiality, reasonability, honesty, credibility and pellucidity.
When determining commercial vehicle insurance clauses and premium rates, insurance companies shall follow the principle of sufficiency and the principle of fairness, and ensure that insurance clauses and premium rates are commensurate with the insurance liability and are able to cover the risk transfer cost, and may not endanger the financial soundness and solvency of insurance companies or damage the legal rights and interests of policyholders and the insured.
| | （二）保险公司拟订商业车险条款应当遵循依法合规、公平合理、诚实信用、通俗易懂原则。
保险公司拟订商业车险费率应当遵循充足原则和公平原则，应当与保险责任相匹配，能够补偿风险转移的成本，不得危及公司财务稳健和偿付能力，不得损害投保人、被保险人合法权益。
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3. The Insurance Association of China (“IAC”) shall organize professionals to research and develop the Model Clauses of Commercial Motor Vehicle Insurance of the Insurance Association of China (hereinafter referred to as “Model Clauses”), the referential depreciation factors database, and the vehicle models database for reference and use by the insurance companies.
The IAC shall gather, collect statistics of and analyze data on the sector-wide commercial vehicle insurance business, and calculate the referential net loss ratio for the commercial vehicle insurance business sector at least once every two years for reference and use by the insurance companies.
The IAC shall report the Model Clauses and the referential net loss ratio for the insurance sector to the CIRC.
| | （三）中国保险行业协会应当组织专业人才力量，研究拟订中国保险行业协会机动车辆商业保险示范条款（以下简称“协会条款”）、机动车辆参考折旧系数和车型数据库，供保险公司参考、使用。
中国保险行业协会应当收集、统计和分析全行业商业车险经营数据，至少每两年测算一次商业车险行业参考纯损失率，供保险公司参考、使用。
中国保险行业协会应当将拟订的商业车险协会条款和行业参考纯损失率向保监会报告。
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4. Insurance companies shall refer to or use the Model Clauses to determine their own commercial vehicle insurance clauses, and use the referential net loss ratio for the insurance sector to determine their own commercial vehicle insurance premium rates.
Insurance companies, whose composite cost rate is lower than average in the insurance sector and lower than 100% for two consecutive accounting years, may duly increase the insurance liability for commercial vehicle insurance clauses on the basis of the Model Clauses when determining their commercial vehicle insurance clauses and premium rates according to the referential net loss ratio for the insurance sector.
When using the Model Clauses and the referential net loss ratio for the insurance sector, insurance companies shall, during the course of implementation, report problems they encounter to the IAC. The IAC shall organize member entities to assess the problems, make demonstration and modifications, and report the relevant information to the CIRC.
| | （四）保险公司可以参考或使用协会条款拟订本公司的商业车险条款，并使用行业参考纯损失率拟订本公司的商业车险费率。
连续两个会计年度综合成本率低于行业平均水平且低于100%的保险公司，在按照行业参考纯损失率拟订本公司商业车险条款和费率时，可以在协会条款基础上适当增加商业车险条款的保险责任。
保险公司在使用协会条款和行业参考纯损失率时，应当及时将实施过程中所遇到的问题向中国保险行业协会报告。中国保险行业协会应当及时组织成员单位对有关问题进行评估、论证、修订，并将有关情况向保监会报告。
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5. Insurance companies, which satisfy the following conditions, may determine their commercial vehicle insurance clauses and premium rates on the basis of their own data:
| | （五）符合以下条件的保险公司可以根据公司自有数据拟订商业车险条款和费率：
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(1) their governance structure is sound, their internal control system is healthy and has been effectively implemented, their data is sufficient and authentic, and they have been operating the commercial vehicle insurance business for three full fiscal years or more;
| | 1.治理结构完善，内控制度健全且能得到有效执行，数据充足真实，经营商业车险业务3个完整会计年度以上；
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(2) their audited composite cost rate is lower than 100% in the last two consecutive fiscal years;
| | 2.经审计的最近连续2个会计年度综合成本率低于100%；
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(3) their audited solvency adequacy ratio is higher than 150% in the last two consecutive fiscal years;
| | 3.经审计的最近连续2个会计年度偿付能力充足率高于150%；
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(4) they have commercial insurance underwriting data for 300,000 or more motor vehicles;
| | 4.拥有30万辆以上机动车辆商业保险承保数据；
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(5) they have a special team to develop commercial vehicle insurance products, have management personnel who are familiar with laws and vehicle insurance pricing practices, and have established sound operation flows and information systems; and
| | 5.设置专门的商业车险产品开发团队，配备熟悉法律、车险定价实务的经营管理人员，建立完善的业务流程和信息系统；
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(6) other conditions as set forth by the CIRC.
| | 6.保监会要求的其他条件。
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6. Insurance companies, which determine their commercial vehicle insurance clauses on the basis of their own data, shall extensively and publicly solicit opinions and organize experts to conduct appraisal on the clauses in light of the actual needs.
| | （六）保险公司根据公司自有数据拟订的商业车险条款应当根据实际需要广泛公开征求意见，并组织有关专家进行论证。
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II. Requirements on the determination and implementation of commercial vehicle insurance clauses
．．．．．． | | 二、关于商业车险条款拟订及执行的要求
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