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| Notice of the China Insurance Regulatory Commission on Matters concerning the Implementation of Reinsurance Registration Management | | 中国保监会关于实施再保险登记管理有关事项的通知 |
| (No. 28 [2015] of the China Insurance Regulatory Commission) | | （保监发〔2015〕28号） |
| All insurance companies, reinsurance companies, and insurance brokerage companies: | | 各保险公司、再保险公司、保险经纪公司： |
| To further standardize reinsurance credit risk management, strengthen the supervision of reinsurers and reinsurance brokers, and ensure the sound and coordinated development of the reinsurance market, the China Insurance Regulatory Commission (“CIRC”) hereby decides to establish a reinsurance registration management system. You are hereby notified of the relevant matters as follows: | | 为了进一步规范再保险信用风险管理，加强对再保险接受人和再保险经纪人的监管，实现再保险市场健康协调发展，中国保监会决定建立再保险登记管理制度。现将有关事项通知如下： |
| I. For the purposes of this Notice, a reinsurer means an insurer which underwrites the insurance business transferred from another insurer, including insurance companies, reinsurance companies, captive insurance companies, mutual insurance organizations, reinsurance consortiums, Lloyd's and syndicates, and other types of insurance institutions recognized by the CIRC (hereinafter referred to as “insurance institutions”). | | 一、本通知所称再保险接受人是指承接其他保险人转移的保险业务的保险人。包括保险公司、再保险公司、自保公司、互助保险组织、再保险共同体、劳合社及辛迪加，以及中国保监会认定的其他类型保险机构（以下统称保险机构）。 |
| For the purposes of this Notice, a “reinsurance broker” means an institution which provides intermediary services for the entry into a reinsurance contract between a ceding company and a reinsurer for the benefit of the ceding company and charges a commission according to the law. | | 本通知所称再保险经纪人是指基于再保险分出公司利益、为再保险分出公司与分入公司订立再保险合同提供中介服务、并依法收取佣金的机构。 |
| II. Applicable Scope | | 二、适用范围 |
| 1. All reinsurers and reinsurance brokers carrying out reinsurance business with ceding companies registered within the territory of the People's Republic of China (excluding Hong Kong, Macao, and Taiwan regions, here and below) shall, according to the requirements of this Notice, register in the reinsurance registration system (hereinafter referred to as the “registration system”) created by the CIRC. | | （一）所有与在中华人民共和国境内（不含港、澳、台地区，下同）注册的分出公司开展再保险业务（以下简称参与中国境内再保险业务）的再保险接受人和再保险经纪人，均应按照本通知要求在中国保监会建立的再保险登记系统（以下简称登记系统）进行登记。 |
| 2. A reinsurer or a reinsurance broker within the territory of China and its authorized branch offices shall be registered in one user account by the head office in a unified manner. | | （二）中国境内的再保险接受人、再保险经纪人，及经其授权的分支机构作为一个用户，由其总公司统一注册并登记。 |
| A reinsurer or a reinsurance broker outside the territory of China and each of its branch offices participating in reinsurance business within the territory of China shall be registered in separate user accounts. | | 中国境外的再保险接受人、再保险经纪人，及参与中国境内再保险业务的每一个分支机构均应单独注册并登记信息。 |
| Lloyd's and each of its syndicate participating in reinsurance business within the territory of China shall be registered in separate user accounts. | | 劳合社及其参与中国境内再保险业务的每一个辛迪加均应单独注册并登记信息。 |
| A reinsurance consortium shall be registered in one user account. | | 再保险共同体作为一个用户，注册并登记信息。 |
| An insurance institution ceding but not assuming insurance business within the territory of China may create a user account without information registration. | | 中国境内仅分出、不分入保险业务的保险机构可只注册，不需登记信息。 |
| III. Registration Management | | 三、登记管理 |
| 1. A reinsurer or a reinsurance broker within the territory of China shall apply to the CIRC for a user name and an initial password and, after the user account is created, register information in the registration system. | | （一）中国境内的再保险接受人和再保险经纪人向中国保监会提交注册申请后，获得用户名和初始密码，注册后在登记系统登记信息。 |
| 2. Before a reinsurer or a reinsurance broker outside the territory of China creates a user account, it shall be recommended to the CIRC by an insurance institution or a reinsurance broker within the territory of China which has been registered in the registration system, and a Recommendation Letter shall be uploaded in the registration system (see Annex for the format). | | （二）中国境外的再保险接受人和再保险经纪人在注册前，需由中国境内已在登记系统注册的保险机构或再保险经纪人向中国保监会引荐，并在登记系统上传《引荐函》（格式见附件）。 |
| The recommending institution shall have carried out or will carry out reinsurance cooperation with the recommended institution. | | 引荐机构应与被引荐机构已有再保险合作，或者即将开展再保险合作。 |
| An institution to be recommended may choose a recommending institution of its own accord. An overseas institution to be recommended which has any affiliate within the territory of China shall be recommended by the affiliate. | | 被引荐机构可自行选择一家引荐机构。境外被引荐机构如果在境内有关联企业的，应由关联企业进行引荐。 |
| Each recommendation shall be valid for three years. Before the term of validity expires, the recommended institution may choose the current recommending institution for continued recommendation or choose another recommending institution. | | 每次引荐有效期为三年。在有效期到期前，被引荐机构可选择原引荐机构继续引荐，也可重新选择引荐机构。 |
| 3. Upon application of the recommending institution, a user name and an initial password will be automatically sent by the registration system to the email address provided beforehand by the recommended institution. The recommended institution shall activate its account in the registration system within 15 days of receipt of the account creation email from the registration system. If the account is not activated during the aforesaid period, the user name and password will be automatically invalidated. | | （三）根据引荐机构的申请，登记系统向被引荐机构预留的邮箱自动发送注册账户和初始密码。被引荐机构应在收到登记系统注册邮件15日内在登记系统注册。超过注册有效期，账户和密码将自动失效。 |
| 4. Where a registered user within the territory of China loses its password, it shall apply for password reset to the CIRC. Where a registered user outside the territory of China loses its password, the recommending institution shall apply for password reset to the CIRC for the user. | | （四）中国境内注册用户遗失密码，应向中国保监会提交密码重置申请；中国境外注册用户遗失密码，应由引荐机构向中国保监会提交密码重置申请。 |
| 5. After passing the registration system's verification, a reinsurer or a reinsurance broker registered in the registration system becomes a validated reinsurer or reinsurance broker as listed in the validation list, valid for three months. | | （五）在登记系统进行登记的再保险接受人或再保险经纪人经登记系统审核通过后，成为有效的再保险接受人或再保险经纪人，并在有效清单中列明，有效期为三个月。 |
| A reinsurer or a reinsurance broker which fails to update information within the term of validity or whose Recommendation Letter expires shall be automatically removed from the validation list, and its validated status resumes only after it updates information or regains recommendation and passes the registration system's verification. A reinsurer or a reinsurance broker failing to update information or regain recommendation three months after the expiry of the term of validity shall re-apply for account creation as a new user. | | 超过有效期未更新信息或引荐函过期的，登记系统自动将其从有效清单中剔除，直至其更新信息或重新获得引荐并审核通过后恢复有效状态。超过有效期截止日三个月仍未更新信息或仍未获得重新引荐的，需按照新用户重新申请注册。 |
| IV. Verification Standards | | 四、审核标准 |
| 1. A reinsurer shall satisfy the following requirements: | | （一）再保险接受人应符合以下要求： |
| (1) The most recent financial strength rating of the principal reinsurer of treaty reinsurance or the reinsurer accepting the largest share of treaty reinsurance shall, at a minimal, satisfy one of the following standards: | | 1.合约再保险业务的首席接受人或合约再保险业务的最大份额接受人最新财务实力评级至少应符合下列标准之一： |
| (a) Standard & Poor's rating: A- or above. | | （1）标准普尔（Standard & Poor's）评级应不低于A-； |
| (b) A. M. BEST rating: A- or above. | | （2）A.M. Best评级应不低于A-； |
| (c) Moody's rating: A3 or above. | | （3）穆迪（Moody's）评级应不低于A3； |
| (d) Fitch rating: A- or above. | | （4）惠誉（Fitch）评级应不低于A-。 |
| The most recent financial strength rating of any other reinsurer of treaty reinsurance shall, at a minimal, satisfy one of the following standards: | | 合约再保险业务的其他再保险接受人最新财务实力评级至少应符合下列标准之一： |
| (a) Standard & Poor's rating: BBB or above. | | （1）标准普尔（Standard & Poor's）评级应不低于BBB； |
| (b) A. M. BEST rating: B++ or above. | | （2）A.M. Best评级应不低于B++； |
| (c) Moody's rating: Baa or above. | | （3）穆迪（Moody's）评级应不低于Baa； |
| (d) Fitch rating: BBB or above. | | （4）惠誉（Fitch）评级应不低于BBB。 |
| (2) The sum of a reinsurer's actual capital and provident funds shall not be less than 200 million yuan or an equivalent in foreign currencies, and when the principal reinsurer of treaty reinsurance or the reinsurer accepting the largest share of treaty reinsurance is not a specialized reinsurance institution, the sum of its actual capital and provident funds shall not be less than 1 billion yuan or an equivalent in foreign currencies. | | 2.再保险接受人的实有资本金加公积金之和不得低于2亿元人民币或等值货币，并且当合约再保险业务的首席接受人或合约再保险业务的最大份额接受人为非专业再保险机构时，其实有资本金加公积金之和不得低于10亿元人民币或等值货币。 |
| (3) The solvency of a reinsurer shall satisfy the requirements of the regulatory authority at the place where the reinsurer is registered. | | 3.再保险接受人的偿付能力应当符合其注册地监管当局的要求。 |
| (4) The reinsurer has committed no gross violations of laws and regulations in the two fiscal years before the inception of the reinsurance contract. | | 4.再保险接受人在再保险合同起期前的两个会计年度无重大违法违规行为。 |
| ．．．．．． | | 如再保险接受人为分支机构，则其总公司应符合上述有关要求。 |
| | 专业再保险机构成立四年内，可不受第1项限制。中国核保险共同体、中国农业保险再保险共同体或成员公司、中国保监会认可的其他保险组织，及保险机构通过上述组织开展相关业务时，可不受第1、2项限制。 |
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