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| Notice by the China Banking and Insurance Regulatory Commission of Matters Concerning the Private Pension Business Conducted by Insurance Companies | | 银保监会关于保险公司开展个人养老金业务有关事项的通知 |
| (No. 17 [2022] of the China Banking and Insurance Regulatory Commission) | | （银保监规〔2022〕17号） |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”), all personal insurance companies, and China Banking and Insurance Information Technology Management Co., Ltd.: | | 各银保监局，各人身保险公司，中国银行保险信息技术管理有限公司： |
| For the purposes of promoting the construction of a multi-level and multi-pillar pension insurance system and boosting the insurance companies to conduct the private pension business, you are hereby notified of the relevant matters as follows in accordance with the Insurance Law of the People's Republic of China and other laws and regulations and the Opinions of the General Office of the State Council on Promoting the Development of Private Pensions (No. 7 [2022], General Office of the State Council): | | 为推进多层次、多支柱养老保险体系建设，促进保险公司开展个人养老金业务，根据《中华人民共和国保险法》等法律法规和《国务院办公厅关于推动个人养老金发展的意见》（国办发〔2022〕7号），现就有关事项通知如下： |
| I. Insurance companies shall implement the requirements of the private pension system, provide simple, clear, easy-to-understand, safe and stable commercial pension insurance featuring long-term value maintenance and appreciation, and improve the mechanism for the protection of customers' rights and interests to meet the people's growing diversified needs for elderly care. | | 一、保险公司应当落实个人养老金制度要求，提供简明易懂、安全稳健、长期保值增值的商业养老保险，健全客户权益保护机制，满足人民群众日益增长的多样化养老需求。 |
| II. An insurance company that meets the following conditions may conduct the private pension business: | | 二、符合以下条件的保险公司可以开展个人养老金业务： |
| (1) The owner's rights and interests at the end of the prior year are not less than 5 billion yuan and not less than 75% of the company's share capital (paid-up capital). | | （一）上年度末所有者权益不低于50亿元且不低于公司股本（实收资本）的75%； |
| (2) Its comprehensive solvency adequacy ratio is not lower than 150% and its core solvency adequacy ratio is not lower than 75% at the end of the prior year. | | （二）上年度末综合偿付能力充足率不低于150%、核心偿付能力充足率不低于75%； |
| (3) Its liability reserve coverage ratio at the end of the prior year is not less than 100%. | | （三）上年度末责任准备金覆盖率不低于100%； |
| (4) Its comprehensive risk rating in the most recent four quarters is not lower than Class B. | | （四）最近4个季度风险综合评级不低于B类； |
| (5) It has not been given any major administrative punishment by any financial regulatory institution in the most recent three years. | | （五）最近3年未受到金融监管机构重大行政处罚； |
| (6) It has a sound information management system which is connected with the private pension information platform of banking and insurance industries (hereinafter referred to as the “banking and insurance industry platform”) and conducts information registration and interaction according to the relevant requirements. | | （六）具备完善的信息管理系统，与银行保险行业个人养老金信息平台（以下简称银保行业平台）实现系统连接，并按相关要求进行信息登记和交互； |
| (7) Other conditions as prescribed by the CBIRC. | | （七）银保监会规定的其他条件。 |
| A pension insurance company with the prominent main business of elderly care, standardized business development and sound internal management mechanism may be exempted from the provision that “owner's rights and interests at the end of the prior year shall be not less than 5 billion yuan” in paragraph 1. | | 养老主业突出、业务发展规范、内部管理机制健全的养老保险公司，可以豁免第一款关于上年度末所有者权益不低于50亿元的规定。 |
| III. An insurance company that conducts private pension business may provide annuity insurance, endowment insurance, and other products determined by the CBIRC (hereinafter collectively referred to as “private pension insurance products”). A private pension insurance product shall meet the following requirements: | | 三、保险公司开展个人养老金业务，可提供年金保险、两全保险，以及银保监会认定的其他产品（以下统称个人养老金保险产品）。个人养老金保险产品应当符合以下要求： |
| (1) The period of insurance is not less than five years. | | （一）保险期间不短于5年； |
| (2) Insurance liabilities are limited to payment of survival insurance benefits, payment of insurance money at maturity, death, total disability, disability or status requiring nursing. | | （二）保险责任限于生存保险金给付、满期保险金给付、死亡、全残、达到失能或护理状态； |
| (3) It is able to provide payment methods such as payment in full, payment in installments, and payment on an irregular basis to meet the payment requirements of participants in the private pension system (hereinafter referred to as “participants”). | | （三）能够提供趸交、期交或不定期交费等方式满足个人养老金制度参加人（以下简称参加人）交费要求； |
| ．．．．．． | | ．．．．．． |
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