May 31, 2010
---------------------
Monday
>>>Welcome visitor, you're not logged in.
Login   Subscribe Now!
Home User Management About Us Chinese
  Bookmark   Download   Print
Search:  serch "Fabao" Window Font Size: Home PageHome PageHome Page
 
Notice by the China Banking and Insurance Regulatory Commission of Issuing the Administrative Measures for the Market Access of Branch Offices of Insurance Companies (2021) [Effective]
中国银保监会关于印发保险公司分支机构市场准入管理办法的通知(2021) [现行有效]
【法宝引证码】
 
  
  
Notice by the China Banking and Insurance Regulatory Commission of Issuing the Administrative Measures for the Market Access of Branch Offices of Insurance Companies 

中国银保监会关于印发保险公司分支机构市场准入管理办法的通知

(No. 37 [2021] of the China Banking and Insurance Regulatory Commission) (银保监发〔2021〕37号)

All local offices of the China Banking and Insurance Regulatory Commission; and all insurance group (or holding) companies, and insurance companies: 各银保监局,各保险集团(控股)公司、保险公司:
The Administrative Measures for the Market Access of Branch Offices of Insurance Companies are hereby issued to you for your compliance and implementation. 现将《保险公司分支机构市场准入管理办法》印发给你们,请遵照执行。
China Banking and Securities Regulatory Commission 中国银保监会
September 2, 2021 2021年9月2日
Administrative Measures for the Market Access of Branch Offices of Insurance Companies 保险公司分支机构市场准入管理办法
Chapter I General Provisions 

第一章 总则

Article 1 For the purposes of strengthening the construction of the insurance market system and regulating the market access of branch offices of insurance companies, these Measures are developed in accordance with the Insurance Law of the People's Republic of China, the Administrative Licensing Law of the People's Republic of China, the Provisions on the Administration of Insurance Companies, and other applicable laws, regulations and administrative rules.   第一条 为加强保险市场体系建设,规范保险公司分支机构市场准入,根据《中华人民共和国保险法》《中华人民共和国行政许可法》《保险公司管理规定》等法律法规和行政规章,制定本办法。
Article 2 For the purposes of these Measures, “insurance companies” means commercial insurance companies formed with the approval of the China Banking and Insurance Regulatory Commission (hereinafter referred to as the “CBIRC”) and registered in accordance with the law.   第二条 本办法所称保险公司,是指经中国银行保险监督管理委员会(以下简称银保监会)批准设立,并依法登记注册的商业保险公司。
For the purposes of these Measures, “insurance institutions” means insurance companies and their branch offices. 本办法所称保险机构,是指保险公司及其分支机构。
For the purposes of these Measures, “branch offices of insurance companies” means the branch companies, central sub-branch companies, sub-branch companies, business departments, and marketing service departments formed by insurance companies in accordance with the law. 本办法所称保险公司分支机构,是指保险公司依法设立的分公司、中心支公司、支公司、营业部、营销服务部。
For the purposes of these Measures, “superior management institution” means the institution at the next higher level of an insurance company, which actually performs the functions of managing the branch offices which are to be formed, transformed, of which business premises are changed, or which are to be revoked. 本办法所称上级管理机构,是指保险公司对拟设立、改建、变更营业场所、撤销的分支机构实际履行管理职能的上一级机构。
Article 3 The CBIRC and its local offices shall, in accordance with these Measures, administer the formation, transformation, change of business premises, revocation, and other matters of the branch offices of insurance companies.   第三条 银保监会及其派出机构依照本办法,对保险公司分支机构设立、改建、变更营业场所、撤销等事项实施管理。
Article 4 To form a branch office, an insurance company shall conduct market survey and feasibility study, and make scientific plans.   第四条 保险公司设立分支机构应进行市场调研和可行性论证,制定科学规划。
Article 5 When the CBIRC or its local office examines an application for the formation of a branch office of an insurance company, it shall prudentially appraise whether the application is commensurate with its business strategies, capital strength, management and control capability, human resources reserve, local economic and social development, market environment, market capacity, business demand, and degree of competition.   第五条 银保监会及其派出机构在审批保险公司分支机构设立申请时,应审慎评估相关保险公司分支机构设立申请是否与其自身经营战略、资本实力、管控能力、人员储备情况及当地经济社会发展状况、市场环境、市场容量、商业需求、竞争程度相适应。
Chapter II Formation of Branch Offices 

第二章 分支机构设立

Article 6 An insurance company shall form a branch office under the following principles:   第六条 保险公司设立分支机构,应当遵循以下原则:
(1) Overall planning and reasonable layout. (一)统筹规划,合理布局;
(2) Prudent decision-making and strict management. (二)审慎决策,严格管理;
(3) Standard procedures and high quality. (三)程序规范,质量过硬;
(4) Guaranteeing operations and improving services. (四)保障运营,强化服务。
Article 7 Where an insurance company plans to form a branch office in a province, autonomous region or municipality directly under the Central Government other than the place of its domicile, it shall first form a provincial branch company.   第七条 保险公司在住所地以外的各省、自治区、直辖市设立分支机构,应当首先设立省级分公司。
Article 8 The name of a branch office of an insurance company shall be lawful and standard. Consistent naming rules shall apply to all branch offices of the same insurance company.   第八条 保险公司分支机构名称应当合法规范。同一保险公司各分支机构应保持统一的命名规则。
Article 9 An insurance company with a registered capital of 200 million yuan shall increase its registered capital by at least 20 million yuan each time it applies for forming a new provincial branch company at a place other than the place of its domicile. The insurance company is not required to increase its registered capital if its registered capital is 500 million yuan or more.   第九条 保险公司注册资本为两亿元人民币的,在其住所地以外每申请设立一家省级分公司,应当增加不少于两千万元人民币的注册资本。注册资本在五亿元人民币以上的,可不再增加。
Article 10 An insurance company shall have been in operations for two or more years if it plans to form a branch office at a place outside the province of its domicile.   第十条 保险公司在住所地所在省域以外设立分支机构的,应当开业满两年。
Article 11 The formation of a branch office of an insurance company is divided into the two stages of formation preparation and business opening.   第十一条 保险公司分支机构设立,分为筹建、开业两个阶段。
Article 12 An insurance company which applies for the formation preparation of a provincial branch company shall meet the following conditions:   第十二条 保险公司申请筹建省级分公司,应当符合以下条件:
(1) The formation preparation is in line with the applicant's development plan. (一)符合申请人自身发展规划;
(2) Its comprehensive solvency adequacy ratio is not lower than 150%, and its core solvency adequacy ratio is not lower than 75% in the prior year and in two consecutive quarters immediately before application. (二)上一年度及提交申请前连续两个季度综合偿付能力充足率均不低于150%,核心偿付能力充足率均不低于75%;
(3) It is rated as Grade B or above in the comprehensive risk rating in two consecutive quarters immediately before application. (三)提交申请前连续两个季度保险公司风险综合评级B类以上;
(4) It has sound corporate governance and internal control, and its corporate governance was rated Grade III or above in the prior year. (四)具备良好的公司治理,内控健全,上一年度公司治理评估结果为C级以上;
(5) It has sound rules for the management of branch offices. (五)具备完善的分支机构管理制度;
(6) It has the person in charge of formation preparation in compliance with the office qualifications for senior executives of provincial branch companies. (六)有符合省级分公司总经理任职条件的筹建负责人;
(7) It satisfies the regulatory requirements for reserves. (七)符合准备金监管要求;
(8) It complies with the requirements for combating money laundering and financing of terrorism. (八)符合反洗钱和反恐怖融资工作相关要求;
(9) The formed provincial branch company has normal operations. (九)已设立的省级分公司运转正常;
(10) Other conditions prescribed by the CBIRC. (十)银保监会规定的其他条件。
Article 13 An insurance company that applies for the formation preparation of a branch office other than the provincial branch company shall meet the following conditions:   第十三条 申请筹建省级分公司以外分支机构的,应当符合以下条件:
(1) The formation preparation is in line with the applicant's development plan. (一)符合申请人自身发展规划;
(2) Its comprehensive solvency adequacy ratio is not lower than 120%, and its core solvency adequacy ratio is not lower than 75% in the prior year and in two consecutive quarters immediately before application. (二)上一年度及提交申请前连续两个季度综合偿付能力充足率均不低于120%,核心偿付能力充足率均不低于75%;
(3) It is rated as Grade B or above in the comprehensive risk rating in two consecutive quarters immediately before application. (三)提交申请前连续两个季度保险公司风险综合评级B类以上;
(4) The insurance company has sound corporate governance, its corporate governance in the prior year was rated as Grade III or above, and its superior management institution has sound and effective internal control. (四)保险公司具备良好的公司治理,上一年度公司治理评估结果为C级以上,上级管理机构内控健全有效;
(5) It satisfies the regulatory requirements for reserves. (五)符合准备金监管要求;
(6) It has the person in charge of formation preparation meeting the office qualifications for the primary person in charge of the branch office to be formed. (六)有符合拟设机构主要负责人任职条件的筹建负责人;
(7) It complies with the requirements for combating money laundering and financing of terrorism. (七)符合反洗钱和反恐怖融资工作相关要求;
(8) The superior management institution of the branch office to be formed has been in operations for three or more months, and the formation of a branch office by a provincial branch company at the prefecture-level city where it is located is not subject to this restriction. (八)拟设机构的上级管理机构开业满三个月,省级分公司在其所在地市设立分支机构不受此限制;
(9) Other conditions prescribed by the CBIRC. (九)银保监会规定的其他条件。
Article 14 The applicant for the formation preparation of a branch office of an insurance company shall not fall under any of the following circumstances:   第十四条 申请筹建保险公司分支机构的,不得有以下情形:
(1) The applicant has received any major administrative punishment given by the financial regulator in the most recent two years. (一)申请人最近两年内受到金融监管机构重大行政处罚;
(2) The applicant or its subordinate branch office at the same level of the branch office to be formed or any of its employees is suspected of any major illegal or criminal act for any conduct in work, causing adverse social effects, and is subject to official investigation by the financial regulator, supervision department or judicial organ. (二)申请人或其下辖与拟设机构同一层级的分支机构或其工作人员发生因工作行为涉嫌重大违法犯罪,造成不良社会影响,正在受到金融监管机构、监察部门或者司法机关立案调查的;
(3) The applicant has received any insurance administrative punishment in the most recent year, or its subordinate branch office at the same level of the branch office to be formed has received any insurance administrative punishment such as a fine of 300,000 yuan or more, restricting its business scope, ordering it to stop accepting new business, revoking its business permit, or revoking the office qualifications of its employees, and prohibition from access to the industry in the most recent year. (三)申请人最近一年内受到保险行政处罚,或其下辖与拟设机构同一层级的分支机构最近一年内受到罚没30万元以上款项、限制业务范围、责令停止接受新业务、吊销业务许可证或其工作人员受到撤销任职资格、行业禁入等保险行政处罚的;
(4) The branch office of the applicant or its subordinate branch office at the same level of the branch office to be formed has any significant information security incident that affects its business stability in the most recent year. (四)申请人或其分支机构下辖与拟设机构同一层级的分支机构最近一年内发生影响业务稳定性的重大信息安全事件的;
(5) The CBIRC or its local office determines that the applicant is unable to manage and control its branch offices. (五)银保监会及其派出机构认定申请人不具备对分支机构管控能力的。
Article 15 To apply for the formation preparation of a branch office other than the provincial branch company, the applicant's subordinate branch office at the same level of the branch office to be formed shall not fall under any of the following circumstances:   第十五条 申请筹建省级分公司以外分支机构的,申请人下辖与拟设机构同一层级分支机构不得有以下情形:
...... ......



Dear visitor,you are attempting to view a subscription-based section of lawinfochina.com. If you are already a subscriber, please login to enjoy access to our databases . If you are not a subscriber, please subscribe . You can purchase a single article through Online Pay to immediately view and download this document. Should you have any questions, please contact us at:
+86 (10) 8268-9699 or +86 (10) 8266-8266 (ext. 153)
Mobile: +86 133-1157-0713
Fax: +86 (10) 8266-8268
database@chinalawinfo.com


 


您好:您现在要进入的是北大法律英文网会员专区,如您是我们英文用户可直接 登录,进入会员专区查询您所需要的信息;如您还不是我们 的英文用户,请注册并交纳相应费用成为我们的英文会员 ;您也可通过网上支付进行单篇购买,支付成功后即可立即查看本篇法规。如有问题请来电咨询;
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail: database@chinalawinfo.com


     
     
【法宝引证码】        北大法宝www.lawinfochina.com
Message: Please kindly comment on the present translation.
Confirmation Code:
Click image to reset code!
 
  Translations are by lawinfochina.com, and we retain exclusive copyright over content found on our website except for content we publish as authorized by respective copyright owners or content that is publicly available from government sources.

Due to differences in language, legal systems, and culture, English translations of Chinese law are for reference purposes only. Please use the official Chinese-language versions as the final authority. lawinfochina.com and its staff will not be directly or indirectly liable for use of materials found on this website.

We welcome your comments and suggestions, which assist us in continuing to improve the quality of our materials.
 
Home | Products and Services | FAQ | Disclaimer | Chinese | Site Map
©2012 Chinalawinfo Co., Ltd.    database@chinalawinfo.com  Tel: +86 (10) 8268-9699  京ICP证010230-8