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Order of China Insurance Regulatory Commission
(No.1 [2009])
The Provisions on the Administration of Insurance Companies, which were deliberated and adopted at the chairman's executive meeting of China Insurance Regulatory Commission on September 18, 2009, are hereby promulgated, and shall come into force on October 1, 2009.
Chairman Wu Dingfu
September 25, 2009
Provisions on the Administration of Insurance Companies
| | 中国保险监督管理委员会令
（2009年第1号）
《保险公司管理规定》已经2009年9月18日中国保险监督管理委员会主席办公会审议通过，现予公布，自2009年10月1日起施行。
主席 吴定富
二○○九年九月二十五日
保险公司管理规定
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| Chapter I General Provisions
| | 第一章 总则
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Article 1 To strengthen the supervision and administration of insurance companies, maintain the normal order of the insurance market, protect the legitimate rights and interests of insurants, and promote the healthy development of the insurance sector, these Provisions are formulated according to the Insurance Law of the People's Republic of China (hereinafter referred to as the Insurance Law), the Company Law of the People's Republic of China (hereinafter referred to as the Company Law) and other relevant laws and administrative regulations.
| | 第一条 为了加强对保险公司的监督管理，维护保险市场的正常秩序，保护被保险人合法权益，促进保险业健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）、《中华人民共和国公司法》（以下简称《公司法》）等法律、行政法规，制定本规定。
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Article 2 China Insurance Regulatory Commission (CIRC) shall, within the scope of authorization of the State Council, supervise and administer insurance companies according to law.
The dispatched offices of the CIRC shall fulfill the duties of supervision and administration within the scope of authorization of the CIRC.
| | 第二条 中国保险监督管理委员会（以下简称中国保监会）根据法律和国务院授权，对保险公司实行统一监督管理。
中国保监会的派出机构在中国保监会授权范围内依法履行监管职责。
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Article 3 The term “insurance companies” in these Provisions refers to commercial insurance companies established upon the approval of the insurance regulatory bodies and registered according to law.
The term “branch offices of insurance companies” in these Provisions refers to the branch companies, central sub-branch companies, sub-branch companies, business departments, marketing services departments and all sorts of special-purpose institutions established by insurance companies upon the approval of the insurance regulatory bodies. The provisions on the establishment and administration of special-purpose institutions will be formulated by the CIRC separately.
The term “insurance institutions” in these Provisions refers to insurance companies and their branch offices.
| | 第三条 本规定所称保险公司，是指经保险监督管理机构批准设立，并依法登记注册的商业保险公司。
本规定所称保险公司分支机构，是指经保险监督管理机构批准，保险公司依法设立的分公司、中心支公司、支公司、营业部、营销服务部以及各类专属机构。专属机构的设立和管理，由中国保监会另行规定。
本规定所称保险机构，是指保险公司及其分支机构。
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Article 4 The term “branch companies” in these Provisions refers to the branch offices established by insurance companies and named as branch companies.
The term “provincial branch companies” in these Provisions refers to the branch companies established by insurance companies in provinces, autonomous regions and municipalities directly under the Central Government according to the regulatory requirements of the CIRC for permit application, report submission and other issues. An insurance company which has established branch companies in provinces, autonomous regions or municipalities directly under the Central Government other than the place of domicile shall appoint one of them as the provincial branch company. An insurance company which has established branch companies in any province, autonomous region or municipality directly under the Central Government other than its place of domicile shall appoint one of them as the provincial branch company.
An insurance company which has established branch offices in a city under separate state planning shall appoint one to be responsible for permit application, report submission and other issues in the city under separate state planning according to the regulatory requirements of the CIRC.
Where an insurance company establishes a provincial branch company in a city under separate state planning, the provincial branch company shall be responsible for the issues mentioned in the preceding two paragraphs.
| | 第四条 本规定所称分公司，是指保险公司依法设立的以分公司命名的分支机构。
本规定所称省级分公司，是指保险公司根据中国保监会的监管要求，在各省、自治区、直辖市内负责许可申请、报告提交等相关事宜的分公司。保险公司在住所地以外的各省、自治区、直辖市已经设立分公司的，应当指定其中一家分公司作为省级分公司。
保险公司在计划单列市设立分支机构的，应当指定一家分支机构，根据中国保监会的监管要求，在计划单列市负责许可申请、报告提交等相关事宜。
省级分公司设在计划单列市的，由省级分公司同时负责前两款规定的事宜。
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Article 5 Insurance business can only be operated by insurance companies established according to the Insurance Law and other insurance organizations specified by laws and administrative regulations. No other entity or individual may directly or indirectly operate the insurance business.
| | 第五条 保险业务由依照《保险法》设立的保险公司以及法律、行政法规规定的其他保险组织经营，其他单位和个人不得经营或者变相经营保险业务。
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Chapter II Formation of Corporate Institutions
| | 第二章 法人机构设立
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Article 6 Insurance companies shall be formed under the principles of:
| | 第六条 设立保险公司，应当遵循下列原则：
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1. abiding by laws and administrative regulations; and
| | （一）符合法律、行政法规；
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2. doing good to the fair competition and healthy development of the insurance sector.
| | （二）有利于保险业的公平竞争和健康发展。
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Article 7 To form an insurance company, an application for formation preparation shall be filed with the CIRC, and the following conditions shall be met:
| | 第七条 设立保险公司，应当向中国保监会提出筹建申请，并符合下列条件：
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1. having investors that satisfy the conditions specified by laws, administrative regulations and the CIRC provisions, and having a reasonable equity structure;
| | （一）有符合法律、行政法规和中国保监会规定条件的投资人，股权结构合理；
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2. having the draft bylaws described in the Insurance Law and the Company Law;
| | （二）有符合《保险法》和《公司法》规定的章程草案；
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3. the investors have promised to make financial contributions or buy shares, the registered capital is not less than 200 million yuan, and the registered capital is paid-in monetary capital;
| | （三）投资人承诺出资或者认购股份，拟注册资本不低于人民币2亿元，且必须为实缴货币资本；
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4. having specific development plans, business strategies, institutional framework and risk control system;
| | （四）具有明确的发展规划、经营策略、组织机构框架、风险控制体系；
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5. its president and general manager to be meet the competence requirements of the CIRC;
| | （五）拟任董事长、总经理应当符合中国保监会规定的任职资格条件；
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6. the person in charge of the formation preparation group has been approved by investors; and
| | （六）有投资人认可的筹备组负责人；
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7. other conditions set out by the CIRC.
The CIRC may adjust the minimum amount of registered capital of an insurance company according to the business scope or scale of the company, provided that the amount shall not be less than 200 million yuan.
| | （七）中国保监会规定的其他条件。
中国保监会根据保险公司业务范围、经营规模，可以调整保险公司注册资本的最低限额，但不得低于人民币2亿元。
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Article 8 To apply for preparing for the formation of an insurance company, the applicant shall submit the following materials in triplicate:
| | 第八条 申请筹建保险公司的，申请人应当提交下列材料一式三份：
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1. an application form for formation, which shall bear the name, registered capital and business scope of the insurance company to be formed;
| | （一）设立申请书，申请书应当载明拟设立保险公司的名称、拟注册资本和业务范围等；
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2. a feasibility study report on the formation of the insurance company, including the development plans, business strategies, institutional framework and risk control system of the company;
| | （二）设立保险公司可行性研究报告，包括发展规划、经营策略、组织机构框架和风险控制体系等；
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3. a formation preparation plan;
| | （三）筹建方案；
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4. the draft bylaws of the company;
| | （四）保险公司章程草案；
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5. the materials that shall be submitted by investors as specified by the CIRC;
| | （五）中国保监会规定投资人应当提交的有关材料；
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6. a list of the person in charge of the formation preparation group, the president and the general manager, and their certifications on consent; and
| | （六）筹备组负责人、拟任董事长、总经理名单及本人认可证明；
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7. other materials as specified by the CIRC.
| | （七）中国保监会规定的其他材料。
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Article 9 The CIRC shall examine the application for preparing for the formation of an insurance company, make a decision of approval or disapproval within six months after accepting the application and notify the applicant of the decision in writing. In the case of disapproval, reasons shall be given in writing.
| | 第九条 中国保监会应当对筹建保险公司的申请进行审查，自受理申请之日起6个月内作出批准或者不批准筹建的决定，并书面通知申请人。决定不批准的，应当书面说明理由。
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Article 10 The CIRC shall, during the period when examining the application for preparing for the formation of an insurance company, give risk tips to the investors of the company.
The CIRC shall hear the working schemes of the president and the general manager of the insurance company to be formed with regard to the operation, management and development of the company.
| | 第十条 中国保监会在对筹建保险公司的申请进行审查期间，应当对投资人进行风险提示。
中国保监会应当听取拟任董事长、总经理对拟设保险公司在经营管理和业务发展等方面的工作思路。
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Article 11 Where the CIRC approves the application for preparing for the formation of an insurance company, the applicant shall finish the preparatory work within one year after receiving the approval notice. Otherwise, the approval decision shall automatically become void.
The formation preparatory institution may not engage in insurance operations during the preparatory period. It is prohibited to change the principal investor during the preparatory period.
| | 第十一条 经中国保监会批准筹建保险公司的，申请人应当自收到批准筹建通知之日起1年内完成筹建工作。筹建期间届满未完成筹建工作的，原批准筹建决定自动失效。
筹建机构在筹建期间不得从事保险经营活动。筹建期间不得变更主要投资人。
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Article 12 After the preparatory work is done, the applicant can apply to the CIRC for starting business preconditioned by satisfying the following conditions:
| | 第十二条 筹建工作完成后，符合下列条件的，申请人可以向中国保监会提出开业申请：
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1. its shareholders meet the requirements prescribed in laws, administrative regulations and the CIRC provisions;
| | （一）股东符合法律、行政法规和中国保监会的有关规定；
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2. it has the bylaws described in the Insurance Law and the Company Law;
| | （二）有符合《保险法》和《公司法》规定的章程；
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3. its registered capital is not less than 200 million or more and is paid-in monetary capital;
| | （三）注册资本最低限额为人民币2亿元，且必须为实缴货币资本；
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4. its directors, supervisors and senior managers meet the competence requirements specified by the CIRC;
| | （四）有符合中国保监会规定任职资格条件的董事、监事和高级管理人员；
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5. it has a good institutional framework;
| | （五）有健全的组织机构；
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6. it has established sound rules for business operations, accounting affairs, regulation compliance, risk control, assets management, anti-money laundering, etc.;
| | （六）建立了完善的业务、财务、合规、风险控制、资产管理、反洗钱等制度；
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7. it has specific development plans and has made mid- and long-term assets disposition plans according to the asset-liability matching principle and other relevant principles;
| | （七）有具体的业务发展计划和按照资产负债匹配等原则制定的中长期资产配置计划；
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8. it has a legal business office, its safety and firefighting facilities reach the prescribed standards, its business office and office equipment meet the requirements of its development plans, and its information system building meets the CIRC requirements; and
| | （八）具有合法的营业场所，安全、消防设施符合要求，营业场所、办公设备等与业务发展规划相适应，信息化建设符合中国保监会要求；
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9. other conditions specified by laws, administrative regulations and the CIRC provisions.
| | （九）法律、行政法规和中国保监会规定的其他条件。
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Article 13 To apply for starting business, the applicant shall submit the following materials in triplicate:
| | 第十三条 申请人提出开业申请，应当提交下列材料一式三份：
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1. an application form for starting business;
| | （一）开业申请书；
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2. a decision of the founding assembly or, in the absence of which, a form or decision on all shareholders' consent to the application for starting business;
| | （二）创立大会决议，没有创立大会决议的，应当提交全体股东同意申请开业的文件或者决议；
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3. the bylaws;
| | （三）公司章程；
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4. the name of each shareholder and the proportion of the shareholder's shares or investment, a capital assessment certification issued by a capital assessment institution with a good credit standing, and a photocopy of the source document on the entry of capital into the account;
| | （四）股东名称及其所持股份或者出资的比例，资信良好的验资机构出具的验资证明，资本金入账原始凭证复印件；
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5. the materials that shall be submitted by shareholders as specified by the CIRC;
| | （五）中国保监会规定股东应当提交的有关材料；
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6. the resumes and certificates of the directors, supervisors and senior managers of the company;
| | （六）拟任该公司董事、监事、高级管理人员的简历以及相关证明材料；
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7. the setup and basic personnel composition of the company;
| | （七）公司部门设置以及人员基本构成；
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8. a certificate on the ownership of or the right to use the business office;
| | （八）营业场所所有权或者使用权的证明文件；
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9. the firefighting certificate submitted according to the requirements at the place where it is to be formed;
| | （九）按照拟设地的规定提交有关消防证明；
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10. the prospectuses of insurance products which the company is about to sell, a three-year business operation plan, a reinsurance plan, the mid- and long-term assets disposition plans and the rules for business operations, accounting affairs, regulation compliance, risk control, assets management, anti-money laundering, etc.;
| | （十）拟经营保险险种的计划书、3年经营规划、再保险计划、中长期资产配置计划，以及业务、财务、合规、风险控制、资产管理、反洗钱等主要制度；
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11. a report on its information system building;
| | （十一）信息化建设情况报告；
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12. a company name pre-approval notice; and
| | （十二）公司名称预先核准通知；
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13. other materials as specified by the CIRC.
| | （十三）中国保监会规定提交的其他材料。
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Article 14 The CIRC shall examine the application for starting business, make a check for that purpose and, within 60 days after accepting the application, make a decision of approval or disapproval. If a decision of approval is made after it passes the check, the CIRC shall issue an insurance business operation permit to the applicant; if a decision of disapproval is made after it fails to pass the check, the CIRC shall notify the applicant in writing and give reasons.
An insurance company approved to start business shall handle the registration formalities at the administrative department for industry and commerce upon the strength of the approval document and the insurance business operation license, and may not operate business before getting the business license.
| | 第十四条 中国保监会应当审查开业申请，进行开业验收，并自受理开业申请之日起60日内作出批准或者不批准开业的决定。验收合格决定批准开业的，颁发经营保险业务许可证；验收不合格决定不批准开业的，应当书面通知申请人并说明理由。
经批准开业的保险公司，应当持批准文件以及经营保险业务许可证，向工商行政管理部门办理登记注册手续，领取营业执照后方可营业。
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Chapter III Establishment of Branch Offices
| | 第三章 分支机构设立
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Article 15 Insurance companies can apply for setting up branch offices for business development.
The branch offices of insurance companies are classified into four levels: branch companies, central sub-branch companies, sub-branch companies, and business departments or marketing services departments. Insurance companies are not required to set up branch offices level by level. However, where an insurance company needs to operate business in any province, autonomous region or municipality directly under the Central Government other than its place of domicile, it shall set up a branch company prior to any other branch office at that place.
Insurance companies are not required to manage their branch offices level by level, but business departments or marketing services departments have no power to manage other branch offices.
| | 第十五条 保险公司可以根据业务发展需要申请设立分支机构。
保险公司分支机构的层级依次为分公司、中心支公司、支公司、营业部或者营销服务部。保险公司可以不逐级设立分支机构，但其在住所地以外的各省、自治区、直辖市开展业务，应当首先设立分公司。
保险公司可以不按照前款规定的层级逐级管理下级分支机构；营业部、营销服务部不得再管理其他任何分支机构。
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Article 16 Where an insurance company formed with the minimum registered capital of 200 million yuan applies for setting up a branch company in a province, autonomous region or municipality directly under the Central Government other than its place of domicile, 20 million yuan shall be added to the registered capital at least.
If the registered capital of the insurance company reaches the amount after addition as required under the above-mentioned circumstances at the time when it applies for setting up a branch company, it is not required to add the registered capital any more.
If the registered capital of the insurance company reaches 500 million yuan, it is not required to add the registered capital for the purpose of setting up branch companies as long as it remains solvent.
| | 第十六条 保险公司以2亿元人民币的最低资本金额设立的，在其住所地以外的每一省、自治区、直辖市首次申请设立分公司，应当增加不少于人民币2千万元的注册资本。
申请设立分公司，保险公司的注册资本达到前款规定的增资后额度的，可以不再增加相应的注册资本。
保险公司注册资本达到人民币5亿元，在偿付能力充足的情况下，设立分公司不需要增加注册资本。
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Article 17 The application for setting up a provincial branch company shall be filed by the head office of the insurance company. The application for setting up any other branch office shall be filed by the head office of the insurance company or by a provincial branch company with the approval document of the head office.
The application for setting up a branch office in a city under separate state planning can also be filed by a branch office designated by the insurance company under Paragraph 3 of Article 4 of these Provisions with the approval document of the head office.
| | 第十七条 设立省级分公司，由保险公司总公司提出申请；设立其他分支机构，由保险公司总公司提出申请，或者由省级分公司持总公司批准文件提出申请。
在计划单列市申请设立分支机构，还可以由保险公司根据本规定第四条第三款指定的分支机构持总公司批准文件提出申请。
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Article 18 To set up a branch office, an insurance company shall submit an application and satisfy the following conditions:
| | 第十八条 设立分支机构，应当提出设立申请，并符合下列条件：
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1. it remains solvent in the last year and for two consecutive quarters before application;
| | （一）上一年度偿付能力充足，提交申请前连续2个季度偿付能力均为充足；
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2. it has a good corporate governance structure and a good internal control system;
| | （二）保险公司具备良好的公司治理结构，内控健全；
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3. it has good branch office management rules;
| | （三）申请人具备完善的分支机构管理制度；
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4. it has fully demonstrated the feasibility of the formation of the branch office;
| | （四）对拟设立分支机构的可行性已进行充分论证；
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5. if the branch office is not a provincial branch company and is to be set up in a province, autonomous region or municipality directly under the Central Government other than the place of domicile of the insurance company, the provincial branch company at that place shall have already started business;
| | （五）在住所地以外的省、自治区、直辖市申请设立省级分公司以外其他分支机构的，该省级分公司已经开业；
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6. it has not received any serious administrative penalty from the financial regulatory body in the last two years, and it is not under investigation by the CIRC for being suspected of being involved in any serious violation;
．．．．．． | | （六）申请人最近2年内无受金融监管机构重大行政处罚的记录，不存在因涉嫌重大违法行为正在受到中国保监会立案调查的情形；
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