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Notice of China Insurance Regulatory Commission on Implementing the Administrative Provisions on the Solvency of Insurance Companies
(No.89 [2008])
All insurance companies and insurance asset management companies:
The CIRC issued the Administrative Provisions on the Solvency of Insurance Companies (Order No.1 [2008] of the CIRC, hereinafter referred to as the Provisions) on July 10, 2008. To guarantee the implementation of the Provisions, we hereby notify you of the relevant issues as follows:
| | 中国保险监督管理委员会关于实施《保险公司偿付能力管理规定》有关事项的通知
（保监发〔2008〕89号）
各保险公司，各保险资产管理公司：
2008年7月10日我会发布了《保险公司偿付能力管理规定》（保监会令〔2008〕1号，以下简称《管理规定》）。为确保《管理规定》的顺利实施，现将有关事项通知如下：
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I. Minimum Capital Assessment Standards
| | 一、关于最低资本评估标准
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a. The minimum capital of a property insurance company shall be the sum of the minimum capital for the non-life insurance business of the guarantee type and that for the non-life insurance business of the investment type.
| | （一）财产保险公司应具备的最低资本为非寿险保障型业务最低资本和非寿险投资型业务最低资本之和。
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1. The minimum capital for the non-life insurance business of the guarantee type shall be the bigger one of the following two numbers:
| | 1、非寿险保障型业务最低资本为下述两项中数额较大的一项：
（1）最近会计年度公司自留保费减营业税及附加后1亿元人民币以下部分的18％和1亿元人民币以上部分的16％；
（2）公司最近3年平均综合赔款金额7000万元以下部分的26％和7000万元以上部分的23％。
综合赔款金额为赔款支出、未决赔款准备金提转差、分保赔款支出之和减去摊回分保赔款和追偿款收入。
经营不满三个完整会计年度的保险公司，采用第（1）项规定的标准。
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(1) of the net premiums of the company in the last accounting year after deducting the business tax and surtaxes, 18% of the amount below 100 million yuan and 16% of the amount above 100 million yuan; or
| | 2、非寿险投资型业务最低资本为其风险保费部分最低资本和投资金部分最低资本之和。其中，非寿险投资型业务风险保费部分最低资本的计算适用非寿险保障型业务最低资本评估标准，非寿险投资型业务投资金部分最低资本为下述两项之和：
（1）预定收益型非寿险投资型产品投资金部分期末责任准备金的4％；
（2）非预定收益型非寿险投资型产品投资金部分期末责任准备金的1％。
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(2) of the average amount of comprehensive indemnity in the last three years, 26% of the amount below 70 million yuan and 23% of the amount above 70 million yuan.
The amount of comprehensive indemnity shall be the balance after deducting reinsurance recoverables and recovery income from the summation of indemnity expenses, the balance between the outstanding loss reserves drawn in the current period and those carried back from the last period as well as the reinsurance indemnity expenses.
An insurance company with an operation life of less than three full accounting years shall adopt the standards as described in method (1).
| | （二）人寿保险公司最低资本为长期人身险业务最低资本和短期人身险业务最低资本之和。
长期人身险业务是指保险期间超过1年的人身保险业务；短期人身险业务是指保险期间为1年或1年以内的人身保险业务。
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2. The minimum capital for the non-life insurance business of the investment type shall be the summation of the minimum capital for risk-based insurance premiums and the minimum capital for investment capital. In particular, the assessment standards for the minimum capital of the non-life insurance business of the guarantee type are applicable to the calculation of the minimum capital for risk-based insurance premiums, while the minimum capital for investment capital shall be the summation of the following two:
．．．．．． | | 1、长期人身险业务最低资本为下述二项之和：
（1）投资连结保险产品期末责任准备金的1％和其他寿险产品期末责任准备金的4％。
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