保险经纪机构管理规定

发布日期: 2008-09-17


第一章 总

  第一条 为了规范保险经纪机构及其分支机构的经营行为,维护公平竞争的市场秩序,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》)等有关法律、行政法规,制定本规定。

  第二条 在中华人民共和国境内设立保险经纪机构及其分支机构,应当经中国保险监督管理委员会(以下简称中国保监会)批准。

  未经中国保监会批准,任何单位、个人不得在中华人民共和国境内经营或者变相经营保险经纪业务。

  第三条 中国保监会根据《保险法》和国务院授权,对保险经纪机构及其分支机构履行监管职责。

  中国保监会派出机构,在中国保监会授权范围内行使职权。

  第四条 本规定所称保险经纪包括直接保险经纪和再保险经纪。

  直接保险经纪是指保险经纪机构与投保人签订委托合同,基于投保人或者被保险人的利益,为投保人与保险公司订立保险合同提供中介服务,并按约定收取佣金的行为。

  再保险经纪是指保险经纪机构与原保险公司签订委托合同,基于原保险公司的利益,为原保险公司与再保险公司安排再保险业务提供中介服务,并按约定收取佣金的行为。

  第五条 本规定所称保险经纪机构是指符合中国保监会规定的资格条件,经中国保监会批准取得经营保险经纪业务许可证(以下简称许可证),经营保险经纪业务的单位。

  本规定所称保险经纪分支机构是指由保险经纪机构设立、在其授权范围内经营保险经纪业务的分公司和营业部。

  第六条 保险经纪机构及其分支机构应当遵守法律、行政法规和中国保监会的有关规定,遵循自愿、诚实信用和公平竞争的原则。

  第七条 保险经纪机构及其分支机构在办理保险业务中因过错给投保人、被保险人、保险公司造成损失的,应当承担赔偿责任。

  第八条 保险经纪机构及其分支机构应当依据本规定如实向中国保监会提交有关材料,反映真实情况,并对材料实质内容的真实性负责。

  

  第二章 机构管理

  

  第一节设立

  第九条 保险经纪机构可以采取下列组织形式:

  (一)合伙企业;

  (二)有限责任公司;

  (三)股份有限公司。

  第十条 设立保险经纪机构,应当具备下列条件:

  (一)注册资本或者出资达到本规定的最低金额;

  (二)公司章程或者合伙协议符合法律规定;

  (三)高级管理人员符合本规定的任职资格条件;

  (四)持有《保险经纪从业人员资格证书》(以下简称《资格证书》)的员工人数在2人以上,并不得低于员工总数的二分之一;

  (五)具备健全的组织机构和管理制度;

  (六)有固定的、与业务规模相适应的住所或者经营场所;

  (七)有与开展业务相适应的计算机软硬件设施。

  第十一条 保险经纪机构以合伙企业或者有限责任公司形式设立的,其注册资本或者出资不得少于人民币500万元;以股份有限公司形式设立的,其注册资本不得少于人民币1000万元。

  第十二条 依据法律、行政法规规定不能投资企业的单位或者个人,不得成为保险经纪机构的发起人、股东或者合伙人。

  第十三条 保险经纪机构及其分支机构的名称中应当包含保险经纪字样,且其字号不得与现有的保险中介机构相同。

  第十四条 申请设立保险经纪机构,全体股东、全体发起人或者全体合伙人应当指定代表或者共同委托代理人,向中国保监会办理申请事宜。

  第十五条 申请设立保险经纪机构,应当向中国保监会提交下列材料一式两份:

  (一)全体股东、全体发起人或者全体合伙人签署的《保险经纪机构设立申请表》;

  (二)《保险经纪机构设立申请委托书》;

  (三)公司章程或者合伙协议;

  (四)自然人股东、发起人或者合伙人的身份证明复印件和简历,非自然人股东、发起人的营业执照副本复印件及加盖财务印章的最近1年财务报表;

  (五)具有法定资格的验资机构出具的验资证明,资本金入账原始凭证复印件;

  (六)可行性报告,包括市场情况分析、近3年的业务发展计划等;

  (七)企业名称预先核准通知书复印件;

  (八)内部管理制度,包括组织框架、决策程序、业务、财务和人事制度等;

  (九)本机构业务服务标准;

  (十)拟任高级管理人员任职资格的申请材料,业务人员的《资格证书》复印件;

  (十一)住所或者经营场所证明文件;

  (十二)计算机软硬件配备情况说明。

  第十六条 中国保监会收到申请材料后,可以召集投资人进行投资风险提示,就申请设立事宜进行谈话,询问、了解拟设机构的市场发展战略、业务发展计划、内控制度建设等有关事项。

  第十七条 中国保监会应当自受理设立保险经纪机构申请之日起20日内进行初审,并自受理申请之日起40日内作出批准或者不予批准的决定。决定不予批准的,应当书面通知申请人并说明理由。

  中国保监会可以根据实际需要组织现场验收。

  第十八条 保险经纪机构设立1年内,可以在其住所所在省、自治区、直辖市设立3家保险经纪分支机构。申请设立保险经纪分支机构应当具备下列条件:

  (一)申请前1年内无严重违法、违规行为;

  (二)内控制度健全;

  (三)拟任主要负责人符合本规定的任职资格条件;

  (四)现有的保险经纪分支机构运转正常;

  (五)注册资本或者出资达到本规定的要求。

  第十九条 保险经纪机构以本规定要求的注册资本最低限额或者出资最低限额设立的,在设立1年后,在其住所地以外的省、自治区、直辖市可以设立3家保险经纪分支机构。此外,在其住所地以外的每一省、自治区、直辖市首次申请设立保险经纪分支机构的,应当至少增加注册资本或者出资人民币100万元。

  申请设立保险经纪分支机构时,保险经纪机构注册资本或者出资已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或者出资。

  保险经纪机构注册资本或者出资达到人民币2000万元的,设立保险经纪分支机构不需要增加注册资本或者出资。

  第二十条 保险经纪机构申请设立保险经纪分支机构,应当提交下列材料一式两份:

  (一)《保险经纪机构分支机构设立申请表》;

  (二)董事会或者全体合伙人关于设立保险经纪分支机构的决议;

  (三)拟设保险经纪分支机构内部管理框架;

  (四)会计师事务所出具的保险经纪机构上一会计年度的审计报告;

  (五)保险经纪机构前1年接受保险监管、工商、税务等部门监督检查情况的说明及有关附件;

  (六)拟任主要负责人的任职资格申请材料;

  (七)经营场所证明文件;

  (八)计算机软硬件配备情况说明。

  需要增加注册资本或者出资的,还应当提交具有法定资格的验资机构出具的验资证明,资本金入账原始凭证复印件。

  第二十一条 中国保监会应当依法对设立保险经纪分支机构的申请进行审查,并自受理申请之日起20日内作出批准或者不予批准的决定。决定不予批准的,应当书面通知申请人并说明理由。

  中国保监会可以根据实际需要组织现场验收。

  第二十二条 中国保监会作出批准设立保险经纪机构、保险经纪分支机构决定的,应当向申请人颁发许可证。

  申请人收到许可证后,应当按照有关规定办理工商登记,领取营业执照后方可开业。

  第二十三条 依法设立的保险经纪机构、保险经纪分支机构,应当自开业之日起10日内在中国保监会指定的报纸上予以公告。

  第二十四条 保险经纪机构应当缴存保证金或者投保职业责任保险。

  保险经纪机构缴存保证金的,应当自办理工商登记之日起20日内,按注册资本或者出资的20%缴存。

  保险经纪机构增加注册资本或者出资,应当相应增加保证金数额。

  第二十五条 保险经纪机构的保证金应当以银行存款形式或者中国保监会认可的其他形式缴存。

  保证金以银行存款形式缴存的,应当专户存储到全国性的商业银行。保证金存款协议中应当约定:未经中国保监会书面批准,保险经纪机构不得擅自动用或者处置保证金。银行未尽审查义务的,应当在被动用保证金额度内对保险经纪机构的债务承担连带责任。

  第二十六条 保险经纪机构应当自保证金专户存储到商业银行之日起10日内,将保证金存款协议复印件报送中国保监会。

  保险经纪机构应当在每年131日前,向中国保监会报送有关上年度本机构保证金管理情况的专门报告。

  第二十七条 保险经纪机构不得动用保证金,但有下列情形之一的除外:

  (一)注册资本或者出资减少的;

  (二)依照本规定进入清算程序的。

  第二十八条 保险经纪机构因减少注册资本或者出资申请动用保证金的,应当向中国保监会提交下列材料:

  (一)申请书;

  (二)有关减少注册资本或者出资的工商变更登记证明材料。

  第二十九条 保险经纪机构依照本规定进入清算程序,申请动用保证金的,应当由清算组向中国保监会提交下列材料:

  (一)申请书;

  (二)清算方案;

  (三)许可证原件。

  保险经纪机构解散的,还应当提交股东会、股东大会或者全体合伙人关于解散、清算事项的决议;保险经纪机构被依法宣告破产的,还应当提交相关文件。

  第三十条 许可证应当置于经营场所显著位置。

  第三十一条 保险经纪机构的许可证有效期为2年,保险经纪机构应当在有效期届满30日前,向中国保监会申请换发。保险经纪机构申请换发许可证,应当提交下列材料:

  (一)申请书;

  (二)许可证原件;

  (三)会计师事务所出具的上一会计年度的审计报告;

  (四)申请前1个月末的资产负债表和利润表;

  (五)前2年内本机构遵守保险监管法律法规情况的说明;

  (六)前2年内本机构接受保险监管、工商、税务等部门监督检查情况的说明及有关附件;

  (七)前2年内本机构接受保险行业组织监督情况的说明。

  第三十二条 保险经纪机构有下列情形之一的,中国保监会不予换发许可证:

  (一)申请换发许可证前连续6个月没有开展业务的;

  (二)内部管理混乱,无法正常经营的;

  (三)高级管理人员和业务人员不符合本规定条件的;

  (四)未按规定缴纳监管费的。

  第三十三条 保险经纪机构申请换发许可证的,中国保监会应当在许可证有效期届满前对保险经纪机构前2年的经营情况进行全面审查和综合评价,并作出是否批准换发许可证的决定。决定不予换发的,应当书面说明理由。

  第三十四条 保险经纪机构及其分支机构不得伪造、涂改、出租、出借、转让许可证。

  第二节 变更和终止

  第三十五条 保险经纪机构有下列情形之一的,应当报中国保监会批准:

  (一)变更注册资本或者出资的;

  (二)变更组织形式的;

  (三)变更股东或者合伙人的;

  (四)变更股权结构或者出资比例的。

  第三十六条 保险经纪机构变更注册资本或者出资,应当向中国保监会提交下列申请材料一式两份:

  (一)《保险经纪机构变更事项申请表》;

  (二)股东大会、股东会或者全体合伙人决议;

  (三)新增自然人股东或者合伙人的身份证明复印件和简历,新增非自然人股东的加盖单位财务印章的最近1年财务报表及营业执照副本复印件;

  (四)具有法定资格的验资机构出具的验资证明;

  (五)修改后的公司章程或者合伙协议;

  (六)减少注册资本或者出资的,应当提交已经在报纸上至少公告3次的证明;

  (七)中国保监会规定的其他材料。

  第三十七条 保险经纪机构申请变更组织形式,应当满足新组织形式的设立条件,并向中国保监会提交下列申请材料一式两份:

  (一)《保险经纪机构变更事项申请表》;

  (二)股东大会、股东会或者全体合伙人决议;

  (三)修改后的公司章程或者合伙协议;

  (四)实施方案;

  (五)中国保监会规定的其他材料。

  第三十八条 保险经纪机构申请变更股东或者合伙人、股权结构或者出资比例,应当向中国保监会提交下列申请材料一式两份:

  (一)《保险经纪机构变更事项申请表》;

  (二)股东大会、股东会或者全体合伙人决议;

  (三)转让协议书;

  (四)新增自然人股东或者合伙人的身份证明复印件和简历,新增非自然人股东的营业执照副本复印件及加盖单位财务印章的最近1年财务报表;

  (五)修改后的公司章程或者合伙协议;

  (六)中国保监会规定的其他材料。

  第三十九条 中国保监会自受理保险经纪机构变更申请之日起20日内,作出批准变更或者不予批准的决定。决定不予批准的,应当书面通知申请人并说明理由。

  第四十条 保险经纪机构有下列情形之一的,应当自工商变更登记作出之日起5日内,书面报告中国保监会:

  (一)名称变更的;

  (二)住所或者经营场所变更的;

  (三)发起人、股东或者出资人的姓名或者名称变更的。

  第四十一条 保险经纪分支机构有下列情形之一的,应当自工商变更登记作出之日起5日内,书面报告中国保监会:

  (一)名称变更的;

  (二)经营场所变更的。

  第四十二条 保险经纪机构修改公司章程或者合伙协议,应当自有关决议或者决定作出之日起5日内,书面报告中国保监会,并将有关决议或者决定、修改后的公司章程或者合伙协议报送中国保监会。

  第四十三条 保险经纪机构及其分支机构变更事项涉及许可证记载内容的,应当交回原许可证,领取新许可证。

  前款所称变更事项须经中国保监会批准的,保险经纪机构及其分支机构应当自批准决定作出之日起2个月内向中国保监会领取新许可证;前款所称变更事项不需要中国保监会批准的,保险经纪机构及其分支机构应当自工商变更登记之日起1个月内向中国保监会领取新许可证。

  第四十四条 保险经纪机构撤销保险经纪分支机构的,应当自有关决议或者决定作出之日起5日内,书面报告中国保监会,交回被撤销保险经纪分支机构的许可证,并在中国保监会指定的报纸上进行公告。

  第四十五条 保险经纪机构及其分支机构有下列情形之一的,应当自变更决定作出之日起5日内,在中国保监会指定的报纸上公告:

  (一)变更名称的;

  (二)变更住所或者经营场所的。

  第四十六条 因合并、分立设立新保险经纪机构的,应当依照本规定向中国保监会申请批准;因合并、分立解散保险经纪机构的,应当向中国保监会报告;因合并、分立保险经纪机构发生事项变更的,应当按照本规定取得批准或者向中国保监会报告。

  第四十七条 保险经纪机构有下列情形之一的,中国保监会依法办理许可证注销手续,并予以公告:

  (一)许可证有效期届满,没有申请换发的;

  (二)许可证有效期届满,中国保监会依法不予换发的;

  (三)营业执照被工商行政管理部门依法吊销的;

  (四)连续6个月未开展保险经纪业务的;

  (五)许可证依法被撤回或者吊销的;

  (六)保险经纪机构解散、被依法撤销或者被依法宣告破产的;

  (七)法律、行政法规规定应当注销许可证的其他情形。

  依照前款被注销许可证的保险经纪机构应当依法成立清算组,依照法定程序组织清算,向中国保监会提交清算报告。

  第四十八条 保险经纪分支机构有下列情形之一的,中国保监会依法办理许可证注销手续,并予以公告:

  (一)其所属保险经纪机构许可证被依法注销的;

  (二)营业执照被工商行政管理部门依法吊销的;

  (三)连续6个月未开展保险经纪业务的;

  (四)许可证依法被撤回或者吊销的;

  (五)法律、行政法规规定应当注销许可证的其他情形。

  

  第三章 资格管理

  

  第一节保险经纪从业资格和执业证书管理

  第四十九条 本规定所称保险经纪业务人员是指保险经纪机构及其分支机构中,为投保人或者被保险人拟订投保方案、办理投保手续、协助索赔的人员,或者为委托人提供防灾防损、风险评估、风险管理咨询服务、从事再保险经纪业务的人员。

  保险经纪业务人员应当通过中国保监会组织的保险经纪从业人员资格考试,取得《资格证书》。

  第五十条 参加保险经纪从业人员资格考试的人员,应当具有高中以上文化程度。

  第五十一条 报名参加保险经纪从业人员资格考试的人员,应当提交下列材料:

  (一)《保险经纪从业人员资格考试报名表》;

  (二)身份证明复印件;

  (三)学历证书复印件;

  (四)近期正面免冠小两寸彩色照片3张。

  第五十二条 保险经纪从业人员资格考试成绩合格,具备下列条件的人员,由中国保监会颁发《资格证书》:

  (一)具有完全民事行为能力;

  (二)品行良好。

  第五十三条 有下列情形之一的人员,不予颁发《资格证书》:

  (一)因故意犯罪被判处刑罚,执行期满未逾5年的;

  (二)因欺诈等不诚信行为受行政处罚未逾3年的;

  (三)被金融监管机构宣布在一定期限内为行业禁入者,禁入期限仍未届满的。

  第五十四条 参加保险经纪从业资格考试的人员,有下列情形之一的,考试无效,2年内不得参加考试:

  (一)提供虚假报名材料的;

  (二)违反考场纪律的;

  (三)其他作弊行为。

  第五十五条 《资格证书》有效期为3年,自颁发之日起计算。持有人应当在《资格证书》有效期届满30日前向中国保监会申请换发。

  第五十六条 申请换发《资格证书》,持有人应当具备下列条件:

  (一)前3年中每年接受保险知识教育时间累计不少于60小时,接受保险法律和职业道德教育时间累计不少于30小时;

  (二)前3年内未因欺诈和严重金融、保险违法违规行为受刑事或者行政处罚;

  (三)无故意不履行数额较大个人债务的行为。

  第五十七条 申请换发《资格证书》,持有人应当提交下列材料:

  (一)《保险经纪从业人员资格证书换发申请表》;

  (二)前3年内从事保险相关业务或者每年接受继续教育情况的有关证明。

  第五十八条持有人申请换发《资格证书》的,中国保监会应当在《资格证书》有效期届满前作出批准或者不予换发的决定。决定不予换发的,应当书面说明理由。

  第五十九 条持有人遗失《资格证书》的,应当向原发证机关申请补发。

  第六十条 保险经纪机构应当向本机构的保险经纪业务人员发放执业证书。执业证书只能向持有《资格证书》、且无本规定第五十三条所列情形的本机构人员发放。

  执业证书是保险经纪业务人员代表保险经纪机构从事保险经纪活动的证明。

  保险经纪业务人员开展保险经纪业务,应当主动向客户出示《资格证书》和执业证书。

  第六十一条 执业证书应当包括下列内容:

  (一)业务人员姓名、身份证件名称及号码;

  (二)《资格证书》编号;

  (三)执业证书编号;

  (四)业务人员行为规范;

  (五)业务人员职责、权限说明;

  (六)保险经纪机构或者保险经纪分支机构名称、住所或者经营场所;

  (七)监督及举报电话;

  (八)执业证书有效期。

  执业证书由中国保监会监制。

  第六十二条 保险经纪业务人员有下列情形之一的,保险经纪机构应当注销其执业证书:

  (一)辞职或者被解聘的;

  (二)持有的《资格证书》失效的;

  (三)有本规定第五十三条所列情形的。

  第六十三条 保险经纪机构及其分支机构应当对本机构的业务人员进行保险法律和业务知识培训及职业道德教育,培训教育的课程应当符合中国保监会有关标准。

  保险经纪业务人员上岗前接受培训时间不得少于80小时,上岗后每人每年接受培训和教育时间累计不得少于36小时,其中法律知识培训及职业道德教育不得少于12小时。

  第六十四条 保险经纪机构及其分支机构应当在每年131日前,向中国保监会报送年度业务人员培训情况报告。报告应当包括下列内容:

  (一)上年度保险经纪业务人员保险法律和业务知识培训及职业道德教育的内容、方式和时间;

  (二)本年度的培训计划。

  第六十五条 保险经纪机构及其分支机构应当建立业务人员管理档案,全面反映业务人员执业情况。

  第六十六条 保险经纪业务人员受到其他政府监管部门行政处罚或者保险行业组织处分的,保险经纪机构或者保险经纪分支机构应当自知道该业务人员受到行政处罚或者处分之日起5日内,书面报告中国保监会。

  

  第二节高级管理人员任职资格管理

  第六十七条 保险经纪机构及其分支机构高级管理人员应当符合本规定的条件。

  保险经纪机构任用高级管理人员,其任职资格应当报经中国保监会核准。

  第六十八条 本规定所称保险经纪机构及其分支机构高级管理人员是指下列人员:

  (一)公司制保险经纪机构的法定代表人、总经理、副总经理或者具有相同职权的管理人员;

  (二)合伙制保险经纪机构执行合伙企业事务的合伙人或者具有相同职权的管理人员;

  (三)保险经纪分支机构的主要负责人。

  第六十九条 保险经纪机构及其分支机构高级管理人员应当具备下列条件:

  (一)大学专科以上学历;

  (二)持有《资格证书》;

  (三)从事经济工作2年以上;

  (四)品行良好。

  具有金融保险工作10年以上经历的人员,可以不受前款第(一)项的限制。

  具有企业管理工作3年以上经历的人员,可以不受前款第(二)项的限制。

  第七十条 有下列情形之一的人员,不得担任保险经纪机构及其分支机构高级管理人员:

  (一)无民事行为能力或者限制民事行为能力人;

  (二)因犯有贪污、贿赂、侵占财产、挪用财产罪或者破坏社会经济秩序罪,被判处刑罚,执行期满未逾5年的,或者因犯罪被剥夺政治权利,执行期满未逾5年的;

  (三)担任因违法被吊销营业执照或者因经营不善破产清算公司、企业的高级管理人员,并对被吊销营业执照或者破产负有个人责任或者直接领导责任,自该公司、企业清算完结之日起未逾3年的;

  (四)担任因违法被吊销许可证的保险公司或者保险中介机构的高级管理人员,并对被吊销许可证负有个人责任或者直接领导责任,自许可证被吊销之日起未逾3年的;

  (五)个人所负数额较大的债务到期未清偿的;

  (六)被金融监管机构决定在一定期限内不得在金融机构担任高级管理职务,期限未届满的;

  (七)正在接受司法机关、纪检监察部门或者中国保监会调查的;

  (八)因欺骗保险公司、投保人、被保险人或者受益人受到中国保监会行政处罚未逾5年的;

  (九)中国保监会规定不适合担任高级管理人员的其他情形。

  第七十一条 保险经纪机构及其分支机构的高级管理人员不得在保险公司、其他保险经纪机构、保险代理机构或者存在潜在利益冲突的机构中兼职。

  第七十二条 保险经纪机构任用高级管理人员,应当向中国保监会提交下列申请材料一式两份:

  (一)《保险经纪机构高级管理人员任职资格申请表》;

  (二)拟任用高级管理人员的决定;

  (三)拟任高级管理人员的身份证明、学历证书复印件;

  (四)《资格证书》复印件,从事相关工作的证明材料。

  第七十三条 中国保监会应当自受理保险经纪机构高级管理人员任职资格申请之日起20日内进行初审,并自受理申请之日起40日内作出核准或者不予核准的决定。决定不予核准的,应当书面通知申请人并说明理由。

  中国保监会应当自受理保险经纪分支机构高级管理人员任职资格申请之日起20日内,作出核准或者不予核准的决定。决定不予核准的,中国保监会应当书面通知申请人并说明理由。

  第七十四条 拟任高级管理人员有下列情形之一的,保险经纪机构及其分支机构应当提交说明材料;提供虚假材料或者隐瞒不报的,中国保监会对该拟任高级管理人员的任职资格不予核准:

  (一)曾受过刑事处罚的;

  (二)曾受过司法机关、纪检或者监察部门审查的;

  (三)曾受过金融、保险监管机构行政处罚的;

  (四)曾受过保险行业组织处分的;

  (五)曾有故意不履行数额较大的到期债务等不诚信行为的;

  (六)曾被雇佣单位辞退、开除或者免除职务的;

  (七)曾对重大工作失误或者经济案件负有个人责任或者直接领导责任的;

  (八)申请时仍在保险公司或者其他保险中介机构中工作的。

  第七十五条 中国保监会可以对保险经纪机构及其分支机构拟任高级管理人员进行考察谈话和公告。

  第七十六条 保险经纪机构及其分支机构高级管理人员,在保险经纪机构及其分支机构内部同级调动,或者由高级别职务向低级别职务调动的,不需要重新进行任职资格核准。

  第七十七条 保险经纪机构决定免除其高级管理人员职务或者同意其辞职的,高级管理人员任职资格自决定作出之日起自动失效。

  第七十八条 保险经纪机构任免高级管理人员,应当自决定作出之日起5日内,书面报告中国保监会。

  第七十九条 保险经纪机构任用法定代表人、总经理、执行合伙企业事务的合伙人或者与上述人员具有相同职权的管理人员的,应当自决定作出之日起5日内在中国保监会指定的报纸上公告。

  第八十条 保险经纪机构及其分支机构高级管理人员涉嫌经济犯罪被起诉的,保险经纪机构应当自其被起诉之日起5日内和结案之日起5日内,书面报告中国保监会。

  第八十一条 保险经纪机构在特殊情况下任命临时负责人的,应当自任命决定作出之日起5日内,书面报告中国保监会。临时负责人任职时间最长不得超过3个月。

  

  第四章 经营规则

  

  第八十二条 保险经纪机构及其分支机构从事保险经纪业务,应当与委托人签订书面委托合同,依法约定双方的权利和义务及其他委托事项。委托合同不得违反法律、行政法规及中国保监会有关规定。

  保险经纪机构及其分支机构为投保人办理保险业务,不得接受客户的全权委托。

  第八十三条 保险经纪机构及其分支机构可以经营下列保险经纪业务:

  (一)为投保人拟订投保方案、选择保险公司以及办理投保手续;

  (二)协助被保险人或者受益人进行索赔;

  (三)再保险经纪业务;

  (四)为委托人提供防灾、防损或者风险评估、风险管理咨询服务;

  (五)中国保监会规定的其他业务。

  保险经纪机构及其分支机构的具体受托权限在前款所列范围内由委托合同约定。

  第八十四条 保险经纪机构可以在中华人民共和国境内从事保险经纪活动。

  第八十五条 保险经纪分支机构的业务范围和经营区域应当由所属保险经纪机构授权。

  第八十六条 保险经纪机构及其分支机构从事经纪业务不得超出承保公司的业务范围和经营区域;从事保险经纪业务涉及异地共保、异地承保和统括保单,中国保监会另有规定的,从其规定。

  第八十七条 保险经纪机构及其分支机应当按照与保险合同当事人的约定收取佣金。

  第八十八条 保险经纪机构及其分支机应当开设独立的客户资金专用账户。客户资金专用账户用于存放下列款项:

  (一)投保人、被保险人支付给保险公司的保险费;

  (二)为投保人、被保险人和受益人代领的保险金或者保险赔款。

  保险经纪机构及其分支机构应当在与保险公司约定的期限内将保险费交付保险公司。

  第八十九条 保险经纪机构及其分支机构应当建立专门账簿,记载保险经纪业务收支情况。

  第九十条 保险经纪机构及其分支机构应当建立完整规范的业务档案,业务档案应当包括下列内容:

  (一)投保人的姓名或者名称;

  (二)经纪险种;

  (三)代缴保险费和交付保险公司的时间;

  (四)佣金金额和收取时间;

  (五)保险金或者保险赔款的代领时间和交付被保险人的时间;

  (六)其他重要业务信息。

  第九十一条 保险经纪机构及其分支机构应当妥善保管业务档案、有关业务经营活动的原始凭证及有关资料,保管期限自保险合同终止之日起计算,不得少于10年。

  第九十二条 保险经纪机构及其分支机构对在经营过程中知悉的保险公司、投保人、被保险人或者受益人的业务和财产情况及个人隐私,负有保密义务。

  第九十三条 保险经纪机构在持续经营过程中,保险经纪业务人员应当保持在2人以上,并不得低于员工总数的二分之一。

  第九十四条保险经纪机构及其分支机构在开展业务过程中,应当制作规范的客户告知书。客户告知书应当包括名称、住所、经营场所、业务范围、法律责任等事项。

  保险经纪机构及其分支机构的业务人员开展业务,应当向客户出示客户告知书,并按客户要求说明佣金的收取方式和比例。

  保险经纪机构的主要发起人、股东为保险公司的,保险经纪机构及其分支机构应当在客户告知书中说明相关情况。

  第九十五条 保险经纪机构、保险经纪分支机构及其业务人员在开展经纪业务过程中,不得有下列欺骗保险公司、投保人、被保险人或者受益人的行为:

  (一)隐瞒与保险合同有关的重要情况;

  (二)以本机构名义销售保险产品或者进行保险产品宣传;

  (三)阻碍投保人履行如实告知义务或者诱导其不履行如实告知义务;

  (四)泄露在经营过程中知悉的保险公司、投保人、被保险人或者受益人的业务和财产情况及个人隐私;

  (五)挪用、截留保险费、保险金或者保险赔款;

  (六)串通投保人、被保险人或者受益人骗取保险金。

  第九十六条 保险经纪机构、保险经纪分支机构及其业务人员在开展经纪业务过程中,不得有下列不正当竞争行为:

  (一)虚假广告、虚假宣传;

  (二)捏造、散布虚假事实,损害其他保险中介机构的商业信誉;

  (三)利用行政权力、行业优势地位或者职业便利以及其他不正当手段强迫、引诱或者限制投保人订立保险合同或者限制其他保险中介机构正当的经营活动;

  (四)给予或者承诺给予投保人、被保险人或者受益人保险合同规定以外的其他利益;

  (五)超出许可证载明的业务范围从事保险经纪业务;

  (六)向保险公司及其工作人员支付回扣或者其他非法利益;

  (七)其他不正当竞争行为。

  第九十七条 保险经纪机构及其分支机构不得与非法从事保险业务或者保险中介业务的机构或者个人发生保险经纪业务往来。

  第九十八条 保险经纪机构对外投资、对外担保,不得违反法律和行政法规的规定;不得挪用保险费、保险金和保险赔款进行投资。

  保险经纪机构进行重大对外投资、对外担保的,应当取得董事会或者全体合伙人书面同意,并在重大对外投资、对外担保发生之日起10日内,书面报告中国保监会。

  重大对外投资是指单次或者累计投资金额达到本机构上一会计年度会计报表净资产的50%;重大对外担保是指单次或者累计担保金额达到上一会计年度会计报表净资产的50%

  

  第五章监督管理

  

  第九十九条 保险经纪机构及其分支机构应当依照中国保监会有关规定报送报表、报告和资料。

  第一百条 保险经纪机构及其分支机构报送的报表、报告和资料应当及时、准确、完整,由法定代表人、执行合伙企业事务的合伙人、主要负责人或者其授权人签字,并加盖机构印章。电子数据应当符合中国保监会规定的信息技术标准。

  第一百零一条 保险经纪机构应当按规定将监管费交付到中国保监会指定账户。

  第一百零二条 保险经纪机构应当在每个季度结束后的10日内,向中国保监会报送监管报表。

  第一百零三条 保险经纪机构及其分支机构应当在每年131日前,向中国保监会提交上年度客户资金专用账户管理情况的报告,说明客户资金专用账户设置、实际缴付、账面余额等情况。

  第一百零四条 每一会计年度结束后,保险经纪机构应当聘请会计师事务所对本机构财务及合法、合规性进行审计,并在3个月内向中国保监会报送审计报告、资产负债表和利润表等财务报表。

  中国保监会根据需要,可以要求保险经纪机构或者保险经纪分支机构提交专项外部审计报告。

  第一百零五条 中国保监会根据监管需要,可以对保险经纪机构及其分支机构的高级管理人员进行监管谈话,要求其就经营活动中的重大事项作出说明。

  第一百零六条 中国保监会依法对保险经纪机构及其分支机构进行现场检查。中国保监会应当提前5日向被检查的保险经纪机构或者保险经纪分支机构发出检查通知书,说明检查的时间、检查人员名单以及检查要求等。

  检查通知书可以提前以传真形式发给被检查的保险经纪机构或者保险经纪分支机构,正式件在检查时出示;检查人员检查时应当出示工作证件。

  中国保监会认为必要的,可以在不事先通知的情况下直接进行现场检查。

  第一百零七条 中国保监会对保险经纪机构及其分支机构的现场检查,包括下列全部或者部分内容:

  (一)机构设立审批手续、变更事项的审批手续是否齐全;

  (二)资本金或者出资是否真实、足额;

  (三)保证金是否足额提取,是否违规动用;

  (四)业务经营是否合法合规;

  (五)财务状况是否良好;

  (六)向中国保监会提交的报告、报表及资料是否及时、完整、真实;

  (七)内控制度是否完善;

  (八)任用高级管理人员是否符合本规定要求;

  (九)是否全面履行管理业务人员执业活动的职责;

  (十)对外公告是否及时、真实;

  (十一)计算机配置状况和信息系统运行状况是否良好;

  (十二)中国保监会认为需要检查的其他事项。

  第一百零八条 保险经纪机构或者保险经纪分支机构涉嫌严重违反保险法律、行政法规及本规定的,在被调查期间,中国保监会有权责令其停止开展新业务或者停止部分业务。

  第一百零九条 保险经纪机构及其分支机构应当按照下列要求配合中国保监会的现场检查工作,不得拒绝、妨碍中国保监会依法进行的监督检查:

  (一)按规定提供有关文件、资料,不得转移、藏匿有关文件、资料;

  (二)相关高级管理人员、财务人员及业务人员应当到场说明情况、回答问题,接受监管谈话,不得故意躲避、拖延、阻挠检查。

  第一百一十条 保险经纪机构及其分支机构有下列情形之一的,中国保监会可以将其列为重点检查对象:

  (一)业务或者财务出现异动的;

  (二)不按时提交报告、报表或者提供虚假的报告、报表、文件和资料的;

  (三)有严重违法、违规行为或者受到中国保监会行政处罚的;

  (四)中国保监会认为需要重点检查的其他情形。

  第一百一十一条 中国保监会的检查人员在现场检查过程中,应当严格遵守国家有关法律、行政法规及中国保监会现场检查的有关规定,不得泄漏在现场检查中获悉的保险经纪机构及其分支机构的商业信息。

  第一百一十二条 保险经纪机构及其分支机构认为检查人员违反法律、行政法规及中国保监会有关规定的,可以向中国保监会举报或者投诉。

  保险经纪机构及其分支机构有权对中国保监会的行政处理措施提起行政复议或者行政诉讼。

  第一百一十三条 中国保监会可以委托会计师事务所等社会中介机构对保险经纪机构及其分支机构进行检查。委托应当采用书面形式。

  中国保监会应当将委托事项告知被检查的保险经纪机构及其分支机构。

  

  第六章法律责任

  

  第一百一十四条 保险经纪机构及其分支机构的高级管理人员或者业务人员,离开该机构后被发现在该机构工作期间违反有关保险监督管理规定的,应当依法追究其责任。

  第一百一十五条 未取得许可证,非法从事保险经纪业务的,由中国保监会予以取缔;构成犯罪的,依法追究刑事责任;尚不构成犯罪的,由中国保监会没收违法所得,并处违法所得1倍以上5倍以下罚款,没有违法所得或者违法所得不足10万元的,处以10万元以上50万元以下罚款。

  第一百一十六条 通过欺骗、贿赂等不正当手段设立保险经纪机构的,由中国保监会依法予以撤销,对存在出具虚假材料等行为的投资人给予警告,并处3万元罚款;有关投资人在3年内不得再次申请设立保险经纪机构。

  第一百一十七条 保险经纪机构及其分支机构隐瞒有关情况或者提供虚假材料申请行政许可的,中国保监会不予受理或者不予批准所申请事项,并对保险经纪机构或者保险经纪分支机构给予警告。

  第一百一十八条 保险经纪机构及其分支机构以欺骗、贿赂等不正当手段取得中国保监会行政许可的,中国保监会依法撤销许可决定,对保险经纪机构或者保险经纪分支机构给予警告,处以3万元以下罚款;因客观情况,许可决定撤销已无实际意义或者不能执行的,对该机构处以3万元罚款。

  第一百一十九条 《资格证书》申请人隐瞒有关情况或者提供虚假材料申领证书的,中国保监会不予受理或者不予颁发《资格证书》,并给予警告;该申请人在1年内不得再次向中国保监会申请《资格证书》。

  第一百二十条 《资格证书》持有人以欺骗、贿赂等不正当手段取得《资格证书》的,中国保监会依法撤销《资格证书》,并给予警告;该证书持有人3年内不得再次向中国保监会申请《资格证书》。

  第一百二十一条 保险经纪机构有下列情形之一的,由中国保监会责令改正,处以3万元罚款;对该保险经纪机构直接负责的高级管理人员和直接责任人员给予警告,并处1万元以上3万元以下罚款:

  (一)未经批准分立、合并的;

  (二)未经批准变更股东或者合伙人的;

  (三)未经批准变更组织形式、注册资本或者出资的;

  (四)未经批准变更股权结构或者出资比例的。

  第一百二十二条 保险经纪机构有下列情形之一的,由中国保监会责令改正,处以5万元以上30万元以下罚款;情节严重的,可以限制业务范围或者责令其停止接受新业务;对该保险经纪机构直接负责的高级管理人员和直接责任人员给予警告,并处1万元以上3万元以下罚款:

  (一)未按照规定缴存保证金的;

  (二)未经批准动用保证金的。

  第一百二十三条 保险经纪机构及其分支机构有下列情形之一的,由中国保监会责令改正,处以3万元罚款;对该保险经纪机构或者保险经纪分支机构直接负责的高级管理人员和直接责任人员给予警告,并处1万元以上3万元以下罚款:

  (一)未经批准设立保险经纪分支机构的;

  (二)未经批准任用高级管理人员的。

  第一百二十四条保险经纪机构及其分支机构有下列情形之一的,由中国保监会责令改正,处以2万元罚款,没有违法所得的,处以1万元罚款;对该机构直接负责的高级管理人员和其他直接责任人员给予警告,并处5000元罚款:

  (一)伪造、涂改、出租、出借或者转让许可证的;

  (二)使用过期或者失效许可证的。

  第一百二十五条 保险经纪机构、保险经纪分支机构及其业务人员有本规定第九十五条所列情形之一的,由中国保监会责令改正,处以5万元以上30万元以下罚款;情节严重的,吊销许可证;对该机构直接负责的高级管理人员和其他直接责任人员,给予警告,并处3万元以下罚款。

  第一百二十六条 保险经纪机构及其分支机构与非法从事保险业务或者保险中介业务的单位或者个人发生保险经纪业务往来的,由中国保监会给予警告,并处3万元罚款;没有违法所得或者违法所得不足1万元的,处以2万元罚款。

  第一百二十七条 保险经纪机构、保险经纪分支机构及其业务人员有本规定第九十六条所列情形之一的,由中国保监会责令改正,处以1万元以上3万元以下罚款;对该机构直接负责的高级管理人员和其他直接责任人员,给予警告,并处1万元罚款。

  第一百二十八条 保险经纪机构及其分支机构开具或者使用与实际不符的发票、收据、保险单证等重要业务凭证的,由中国保监会给予警告,责令改正,处以3万元以下罚款。

  第一百二十九条 保险经纪机构及其分支机构有下列情形之一的,由中国保监会责令改正,给予警告,并处1万元以下罚款;对该机构直接负责的高级管理人员和其他直接责任人员,给予警告,并处5000元罚款:

  (一)未按规定设立专门账簿或者业务档案的;

  (二)未开设独立的客户资金专用账户的;

  (三)违反本规定对外投资或者对外担保的;

  (四)未取得投保人、被保险人的书面委托,擅自订立或者变更保险合同的。

  第一百三十条 保险经纪机构及其分支机构超出受托范围,损害投保人、被保险人或者受益人合法权益的,由中国保监会给予警告,处以3万元以下罚款。

  第一百三十一条 保险经纪机构及其分支机构违反本规定第八十六条的,由中国保监会责令改正,并处3万元以下罚款;对该机构直接负责的高级管理人员和其他直接责任人员,给予警告,并处5000元罚款。

  第一百三十二条 保险经纪机构及其分支机构未按本规定报送有关报告、报表、文件或者资料的,由中国保监会责令改正,逾期不改正的,处以1万元以上10万元以下罚款;对该机构直接负责的高级管理人员和其他直接责任人员,给予警告,并处5000元罚款。

  第一百三十三条 保险经纪机构及其分支机构有下列情形之一的,由中国保监会责令改正,处以10万元以上50万元以下罚款;情节严重的,由中国保监会根据法律、行政法规的规定,予以处罚;对直接负责的高级管理人员和其他直接责任人员,给予警告,并处3万元以下罚款:

  (一)提供虚假的报告、报表、文件或者资料的;

  (二)拒绝、妨碍依法检查监督的。

  第一百三十四条 保险经纪机构或者保险经纪分支机构有下列情形之一的,由中国保监会责令改正,处以3万元罚款;对直接负责的高级管理人员和其他直接责任人员,给予警告,处以5000元罚款:

  (一)未按规定缴纳监管费的;

  (二)进行清算时,未按本规定提交清算报告或者清算报告中故意隐瞒重要事实、存在重大遗漏的;

  (三)违反本规定拒不交回许可证的。

  第一百三十五条 保险经纪机构及其分支机构有下列情形之一的,由中国保监会责令改正,给予警告,并处1万元以下罚款:

  (一)未按规定对业务人员进行保险法律和业务知识培训及职业道德教育的;

  (二)未按规定进行业务档案或者专门账簿管理的;

  (三)临时负责人实际任期超过规定期限的;

  (四)未按规定办理许可证变更登记手续的;

  (五)未按规定向投保人、被保险人和社会公众履行告知义务的;

  (六)未按规定履行执业证书管理职责的。

  

  第七章 附则

  

  第一百三十六条 经中国保监会批准设立的外资保险经纪机构适用本规定。我国参加的有关国际条约和中国保监会另有规定的,适用其规定。

  第一百三十七条 本规定所称保险中介机构是指保险代理机构、保险经纪机构和保险公估机构及其分支机构。

  本规定所称保险公司是指保险公司及其分支机构。

  第一百三十八条 本规定要求提交中国保监会的各类材料,以中文文本为准,并应当按照中国保监会规定的格式上报;中国保监会根据需要可以要求申请人提交有关材料的电子文档。

  第一百三十九条 本规定要求提交的各种表格格式由中国保监会制定。

  第一百四十条 本规定中的有关期限,除以年、月表示的以外,均以工作日计算,不含法定节假日。

  第一百四十一条 本规定由中国保监会负责解释和修订。

  第一百四十二条 本规定自200511日起施行,中国保监会20011116日颁布的《保险经纪公司管理规定》(保监会令[2001]5号)同时废止。

Chapter I General Provisions

Article 1 For the purposes of regulating the business operations of insurance brokering institutions and their branches, maintaining a fair competition market order as well as promoting the sound development of the insurance industry, the present Provisions are formulated according to the Insurance Law of the People’s Republic of China (hereinafter referred to as the Insurance Law) and other relevant laws and administrative regulations

Article 2 The establishment of an insurance brokering institution or branch within the territory of the People’s Republic of China shall be subject to the approval of the China Insurance Regulatory Commission (hereinafter referred to as the CIRC).

Without approval of the CIRC, no entity or individual may engage in the insurance brokering business or conduct such business in any disguised form.

Article 3 The CIRC shall, under the Insurance Law and the authorization of the State Council, perform supervisory duties over the insurance brokering institutions and their branches.

The institutions dispatched by the CIRC shall exercise their respective power as authorized by the CIRC.

Article 4 The term "insurance brokering" as mentioned in the present Provisions includes direct insurance brokering and reinsurance brokering.

The "direct insurance brokering" refers to the act of brokering by which the insurance brokering institution and the applicant enters into a contract of entrustment, and, for the sake of protecting the interests of the applicant and the insured, provides intermediary services for the conclusion of an insurance contract between the applicant and the insurance company and charges the agreed commissions for the intermediary services.

The "re-insurance brokering" refers to the brokering act by which the insurance brokering company and the original insurance company enters into a contract of entrustment, and, for the sake of protecting the interests of the original insurance company, provides intermediary services for the reinsurance business between the original insurance company and the re-insurance company, and charges the agreed commissions for the intermediary services.

Article 5 The term "an insurance brokering institution" as mentioned in the present Provisions refer to an entity engaging in the insurance brokering business. It meets the qualifications conditions as provided by the CIRC and has acquired an Insurance Brokering Business Operation License (hereinafter referred to as the License) upon the approval of the CIRC.

The term "an insurance brokering branch" as mentioned in the present Provisions refers to a branch or business department that is established by an insurance brokering institution and is engaged in insurance brokering business as authorized by this insurance brokering institution.

Article 6 All insurance brokering institutions and their branches shall abide by the laws, administrative regulations and the relevant provisions of the CIRC, and shall follow the principle of willingness, good faith and fair competition.

Article 7 If any loss is caused to the applicant, the insured or the insurance company as the result of fault on the part of the insurance brokering institution or its branch during the process of carrying out insurance brokering business, the insurance brokering institution or branch shall be liable to compensations.

Article 8 All insurance brokering institution and their branches shall honestly submit relevant materials that can reflect the true information to the CIRC, and shall be liable for the authenticity of the substantial content of the materials.

Chapter II Management of Institutions

Section 1 Establishment

Article 9 An insurance brokering institution may take any of the following forms:

(1)A partnership enterprise;

(2)A limited liability company; or

(3)A stock-limited company

Article 10 Anyone who applies for establishing an insurance brokering institution shall meet the following requirements:

(1) The registered capital or capital contributions reach the minimum amount as prescribed in the present Provisions;

(2) The articles of association or partnership agreement conform to legal provisions;

(3) The senior managers satisfy the qualification conditions as prescribed in the present Provisions;

(4) 2 or more employees hold a Qualification Certificate for the Insurance Brokering Practitioner (hereinafter referred to as the Qualification Certificate), which shall constitute no less than one half of the staff;

(5) Having a sound organization and management system;

(6) Having fixed domicile or business place that can meet the needs of its business scale; and

(7) Having computer software and hardware that can meet the needs of its business operations.

Article 11 Where an insurance brokering institution is established in the form of a partnership enterprise or limited liability company, its registered capital or capital contributions shall not be less than 5 million yuan. If it is established in the form of a stock-limited company, its registered capital shall not be less than 10 million yuan.

Article 12 An entity or individual who is banned from investing in enterprises by law or administrative regulation shall not act as a promoter, shareholder or partner of an insurance brokering institution.

Article 13 The name of an insurance brokering institution or branch shall contain the words "insurance brokering" and shall not be identical with the name of any of the existing insurance intermediary institution.

Article 14 When applying for the establishment of an insurance brokering institution, all shareholders, promoters or partners shall designate a representative or jointly entrust an agent to apply to the CIRC for handling the relevant matters.

Article 15 An applicant shall submit the following materials in duplicate to the CIRC when it applies for establishing an insurance brokering institution:

(1) The Insurance Brokering Institution Establishment Application signed by all shareholders, promoters or partners;

(2) An Insurance Brokering Institution Establishment Application Entrustment Letter;

(3) The articles of association or partnership agreement;

(4) The identity certification photocopy and resume of each natural person shareholder, promoter or partner, photocopy of each non-natural-person shareholder’s or promoter’s business license and its financial statements during the recent year affixed with the financial seal;

(5)A capital verification certificate issued by a capital verification institution with statutory qualifications, the photography of the original voucher for the payment of capital;

(6)A feasibility study report, including the market analyses as well as the business development plan for future 3 years;

(7)Photocopy of the notice of advance approval of enterprise name;

(8)The internal management systems, including the organizational structure, decision-making procedures, business, finance and personnel systems;

(9)The standards for the business services of this institution;

(10)The application materials of the candidates for senior managers, photocopy of the Qualification Certificate of each of the operating personnel;

(11)The certification documents of the domicile or business place; and

(12)An account of the preparation of computer software and hardware.

Article 16 After the CIRC receives the application materials, it may call the investors together make them aware of the risks, talk with them about the establishment application, inquire of their market development strategy, business development plan and construction of internal control system related to the institution to be established.

Article 17 The China Regulatory Insurance Commission shall conduct preliminary examination within 20 days after it accepts an application for establishing an insurance brokering institution, and shall make a decision of approval or disapproval within 40 days after it accepts the application. If it makes a decision of disapproval, it shall give the applicant a written notice and make an explanation.

The CIRC may organize an on-the-spot check and acceptance where necessary.

Article 18 Within 1 year after an insurance brokering institution is established, it may set up 3 insurance brokering branches in the province, autonomous region, or municipality directly under the Central Government where its domicile is located. It shall meet the following requirements when it applies for establishing an insurance brokering branch:

(1)It has no record of serious violation of the law or regulation within 1 year prior to the application;

(2)It has a sound internal control system;

(3)The candidates for major persons-in-charge meet the qualification conditions as prescribed by the present Provisions;

(4)The existing insurance brokering branches are running normally; and

(5)The registered capital or capital contributions meet the requirements of the present Provisions.

Article 19 Where an insurance brokering institution is established with the minimum registered capital or capital contributions, after 1 year of the establishment, it may establish 3 brokering insurance branches in the provinces, autonomous regions, or municipalities directly under the Central Government other than the one in which its domicile is located. Moreover, when it first applies for establishing an insurance brokering branch in each province, autonomous region, or municipality directly under the Central Government other than the one in which its domicile is located, it shall increase its registered capital or capital contribution by 1 million yuan.

When an insurance brokering institution applies for establishing an insurance brokering branch, if its registered capital or capital contributions have reached the amount after increase as mentioned in the preceding Paragraph, it isn’t required to increase corresponding registered capital or capital contributions.

If the registered capital or capital contributions of an insurance brokering institution amount to RMB 20 million yuan, the insurance brokering institution doesn’t have to increase any registered capital or capital contributions when it establishes an insurance brokering branch.

Article 20 An insurance brokering institution shall submit the following materials in duplicate when it applies for establishing an insurance brokering branch:

(1) An Application of An Insurance Brokering Institution for Establishing A Branch;

(2) Resolution of the board of directors or all partners about the establishment of the insurance brokering branch;

(3) An outline of the internal management of the to-be-established insurance brokering branch;

(4)The audit report on the insurance brokering institution in the previous year issued by an accounting firm;

(5) An account of the supervision and inspection over the insurance brokering institution conducted by the departments for insurance supervision, industry and commerce, taxation, etc. within the previous 1 year and corresponding attachments;

(6) The qualifications application materials of the candidates of major persons-in-charge;

(7) The certification documents of the business place; and

(8) Information about preparation of computer software and hardware.

If it is required to increase the registered capital or capital contributions, it shall submit a capital verification certification issued by a qualified capital verification institution, and a photocopy of the original voucher for the payment of capital.

Article 21 The CIRC shall examine an application for establishing an insurance brokering branch, and shall make a decision of approval or disapproval within 20 days after it receives the application. If it decides to disapprove it, it shall give the applicant a written notice and make an explanation.

The CIRC may organize an on-the-spot check and acceptance where necessary.

Article 22 If the CIRC decides to approve the establishment of an insurance brokering institution or branch, it shall grant the applicant a license.

After the applicant receives the License, it shall go through the formalities of industrial and commercial registration. It shall not start business unless it obtains the business license.

Article 23 A lawfully established insurance brokering institution or branch shall make an announcement through a newspaper as designated by the CIRC within 10 days after the start of business.

Article 24 An insurance brokering institution shall deposit a security or buy professional liability insurance.

If the insurance brokering institution chooses to deposit a security, it shall, within 20 days after it completes the industrial and commercial registration, deposit a security of 20% of the registered capital or capital contributions.

If the institution brokering institution increases its registered capital or capital contributions, it shall increase the amount of security accordingly.

Article 25 The security of an insurance brokering institution shall be in the form of bank deposit or any other form acknowledged by the CIRC.

If the security is in the form of bank deposit, it shall be put into a special bank account in a national commercial bank. The security deposit agreement shall stipulate that "the insurance brokering institution may not draw or dispose of the security without written approval of the CIRC. If the bank fails to fulfill its obligation of examination, it shall bear joint liabilities for the debts of the insurance brokering institution, which shall be limited to the amount of security it has drawn on."

Article 26 An insurance brokering institution shall, within 10 days after it deposits the security into the special bank account in a commercial bank, submit a photocopy of the security deposit agreement to the CIRC.

The insurance brokering institution shall, prior to January 31 of each year, submit a special report on the management of security of this institution in the previous year.

Article 27 An insurance institution may not draw on any of the security unless it:

(1)reduces its registered capital or capital contributions; or

(2)enters into liquidation procedures pursuant to the present Provisions.

Article 28 Where an insurance brokering institution applies for drawing on any of the security due to decrease of registered capital or capital contributions, it shall submit the following materials to the CIRC:

(1)An application;

(2)The certification materials relating to the industrial and commercial modification registration for the decrease of registered capital or capital contributions.

Article 29 Where an insurance brokering institution applies for using the security due to entering into liquidation procedures, it shall submit the following materials to the CIRC:

(1) An application;

(2) A liquidation plan; and

(3)The original license.

Besides the materials as mentioned above, if an insurance brokering institution is dissolved, it shall submit the resolution made by the shareholders’ meeting, general assembly of shareholders or all the partners about the dissolution or liquidation; if an insurance brokering institution is declared bankrupt in accordance with the law, it shall submit relevant documents.

Article 30 The License shall be put at an eye-catching place of the business site.

Article 31 The license of an insurance brokering institution shall be valid for a period of two years. The insurance brokering institution shall, no later than 30 days prior to the expiration of the valid period, file with the CIRC for changing the license. It shall submit the following materials when it applies for the change:

(1)An application;

(2)The original license;

(3)The audit report for the previous accounting year issued by an accounting firm;

(4)The balance sheet and profit statement by the end of 1 month prior to the application;

(5)An account of whether this institution complies with the insurance regulatory law and regulation within the previous 2 years;

(6) The accounts and attachments relating to the supervision and inspection over this institution conducted by the regulatory department of insurance supervision, industry and commerce, taxation, etc. during the previous 2 years; and

(7) An account of the supervision over this institution conducted by the insurance guild during the previous 2 years.

Article 32 Where an insurance brokering institution is under any of the following circumstances, the CIRC shall not change its license:

(1) It hasn’t conducted business for 6 consecutive months before it applies for changing the license;

(2) Its internal management is in a mess and it is unable to run normally;

(3) Its senior managers and operating personnel don’t meet the requirements of the present Provisions; or

(4) It has failed to pay the supervision fees as required.

Article 33 Where an insurance brokering institution applies for changing its license, the CIRC shall, prior to the expiration of the valid period of its license, conduct a comprehensive examination and evaluation over its business operations of the previous 2 years, and make a decision of approving or disapproving the change of license. If it makes a decision of disapproval, it shall give the applicant an explanation in writing.

Article 34 No insurance brokering institution or branch may counterfeit, alter, rent, lend or transfer its license.

Section 2 Modification and Termination

Article 35 Where an insurance brokering institution is under any of the following circumstances, it shall report to the CIRC for approval:

(1)Modifying its registered capital or capital contributions;

(2)Modifying the form of organization;

(3)Modifying its shareholders or partners; or

(4)Modifying the equity structure or proportions of capital contributions.



Article 36 Where an insurance brokering institution modifies its registered capital or capital contributions, it shall submit the following materials in duplicate to the CIRC:

(1)An Insurance Brokering Institution Modification Application;

(2)The resolution made by the general assembly of shareholders, shareholders’ meeting or all partners;

(3)A photocopy and resume of each newly increased natural-person shareholder or partner, the recent 1-year financial statements and photocopy of the business license affixed with the financial seal of each newly increased non-natural-person shareholder;

(4)The capital verification certification issued by a capital verification institution with statutory qualifications;

(5)The revised articles of association or partnership agreement;

(6)If it reduces its registered capital or capital contributions, it shall submit a certification proving that it has published the information for at least 3 times in newspaper; or

(7)Other materials as required by the CIRC.

Article 37 Where an insurance brokering institution applies for modifying the form of organization, it shall meet the requirements for the establishment in the new form and shall submit the following materials in duplicate to the CIRC:

(1)An Insurance Brokering Institution Modification Application;

(2)The resolution made by the general assembly of shareholders, shareholders’ meeting or all partners;

(3)The revised articles of association or partnership agreement;

(4)An implementation plan; and

(5)Other materials as required by the CIRC.

Article 38 Where an insurance brokering institution applies for modifying the shareholders, partners, equity structure or proportions of capital contributions, it shall submit the following materials in duplicate to the CIRC:

(1) An Insurance Brokering Institution Modification Application;

(2) The resolution made by the general assembly of shareholders, shareholders’ meeting or all

partners;

(3) The assignment agreement;

(4) The photocopy and resume of each newly increased natural-person shareholder or partner, the recent 1-year financial statements and a photocopy of the business license affixed with the financial seal of each newly increased non-natural-person shareholder;

(5) The revised articles of association or partnership agreement; and

(6) Other materials as required by the CIRC.

Article 39 The CIRC shall, within 20 days after it receives the modification application of an insurance brokering institution, make a decision of approval or disapproval. If it makes the decision of disapproval, it shall give the applicant a written notice and make an explanation.

Article 40 Where an insurance brokering institution is under any of the following circumstances, it shall submit a written report to the CIRC within 5 days after the industrial and commercial modification registration is completed:

(1)Modifying its name;

(2)Modifying its domicile or business site; or

(3)Modifying the name of a promoter, shareholder or capital contributor.

Article 41 Where an insurance brokering branch is under any of the following circumstances, it shall submit a written report to the CIRC within 5 days after the industrial and commercial modification registration is completed:

(1)Modifying its name; or

(2)Modifying its business site.

Article 42 Where an insurance brokering institution modifies its articles of association or partnership agreement, it shall, within 5 days after a resolution or decision is made, submit a written report as well as the resolution or decision and the revised articles of association or partnership agreement to the CIRC.

Article 43 Where the modification of an insurance brokering institution or branch involves any content recorded on the license, the insurance brokering institution or branch shall return its license to the CIRC and obtain a new one.

If the "modification" as mentioned in the preceding Paragraph is subject to the approval of the CIRC, the insurance brokering institution or branch shall, within 2 months after a decision of approval is made, fetch a new license from the CIRC. If the "modification" as mentioned in the preceding paragraph isn’t required to obtain the approval of the CIRC, the insurance brokering institution or branch shall obtain a new license from the CIRC within 1 month from the day when it completes the industrial and commercial registration.

Article 44 Where an insurance brokering institution cancels a branch, it shall submit a written report to the CIRC within 5 days after it makes such a resolution or decision. It shall return the license of the cancelled branch to the CIRC and shall publish the information through the newspaper designated by the CIRC.

Article 45 Where an insurance brokering institution or branch is under any of the following circumstances, it shall publish the information through a newspaper designated by the CIRC within 5 days after it makes a decision of modification:

(1)Modifying its name; or

(2)Modifying its domicile or business site.

Article 46 As to the establishment of a new insurance brokering institution as a result of merger or split-up, an application shall, in accordance with the present Provisions, be filed to the CIRC for approval. As to the dissolution of an insurance brokering institution as a result of merger or split-up, it shall be reported the CIRC. As to any modification made to an insurance brokering institution as a result of merger or split-up, it shall be subject to the approval of the CIRC in pursuance of the present Provisions or shall be reported to the CIRC.

Article 47 Where an insurance brokering institution is under any of the following circumstances, the CIRC shall complete the license cancellation formalities and publish an announcement:

(1)Failing to apply for changing the license at the expiration of its valid period;

(2)The CIRC disapproves of changing the license pursuant to the law at the expiration of its valid period;

(3)Its business license is revoked by the administrative department for industry and commerce;

(4)Failing to conduct brokering insurance business for 6 consecutive months;

(5)Its license has been withdrawn or canceled according to law;

(6)The insurance brokering institution is dissolved, revoked or declared bankrupt in accordance with the law; or

(7)Any other circumstance which makes it necessary to cancel the license in accordance with the law or administrative regulation.

The insurance brokering institution whose license is cancelled under the preceding paragraph shall form a liquidation group to carry out the liquidation according to the statutory procedures and shall submit a liquidation report to the CIRC.

Article 48 Where an insurance brokering branch is under any of the following circumstances, the CIRC shall complete the License cancellation formalities and shall publish an announcement:

(1)The license of the insurance brokering institution to which it is subordinate has been written off according to law;

(2)Its business license has been canceled by the administrative department for industry and commerce;

(3)Failing to carry out insurance brokering business for 6 consecutive months;

(4)Its License has been revoked or cancelled in accordance with the law; or

(5)Any other circumstance which makes it necessary to write off the license shall be cancelled in accordance with the law or administrative regulation

Chapter III Qualification Management

Section 1 Qualifications for Insurance Brokering Practitioners and Management of Practicing Licenses

Article 49 The "insurance brokering operating personnel" as mentioned in the present Provisions refers to the personnel who work in an insurance brokering institution or branch and who are responsible for such matters as making proposals of insurance for the applicant, handling the insurance formalities, assisting the insured or the beneficiary to claim for compensations, providing consultative services to clients in terms of avoiding disasters, losses or risk appraisal and risk management as well as conducting business of reinsurance brokering.

An insurance brokering practitioner shall pass the qualification examination for insurance brokering practitioners and shall obtain a Qualification Certificate.

Article 50 A person who sits for the qualification examination for insurance brokering practitioners shall have an education background of senior high school or better.

Article 51 A person who sits for the qualification examination for insurance brokering practitioners shall submit the following materials:

(1) An Application Form of Qualification Examination for Insurance Brokering Practitioners;

(2) A photocopy of identity certification;

(3) A photocopy of certificate of education;

(4) Three recent small two-inch hatless full-face color photos.

Article 52 If a person who passes the qualification examination for insurance brokering practitioners meets the following conditions, he shall be granted a Qualification Certificate by the CIRC:

(1) Having full civil capacity; and

(2) With good conduct.

Article 53 A person shall not be granted a Qualification Certificate if:

(1) he has ever been subject to any criminal punishment due to an intentional crime and 5 years have not elapsed since the termination of execution of the criminal punishment;

(2) it is not up to 3 years since an administrative punishment is imposed on him due to such unfaithful conduct as fraud;

(3) he is declared as a person who is prohibited from being a practitioner within a time period by the financial regulatory institution, and the aforesaid time period is still valid.

Article 54 Anyone who is under any of the following circumstances, the examination for the insurance brokering practitioners taken by him shall be invalidated and he shall not sit for the examination within 2 years:

(1)Providing false materials for sitting for the examination;

(2)Violating the disciplines of the examination room; or

(3)Other cheating conducts.

Article 55 The Qualification Certificate shall be valid for a period of 3 years, which shall be calculated from the date of issuance. The holder shall, not latter than 30 days prior to the expiration of the valid period, apply to the CIRC for changing the Qualification Certificate.

Article 56 Where a Qualification Certificate holder applies for changing the Qualification Certificate, he shall meet the following conditions:

(1) In each of the previous 3 years, he spent at least 60 hours accepting insurance education, 30 hours accepting education of insurance law and professional ethics;

(2) He shall have no record of criminal or administrative punishment due to cheating or serious violation of financial or insurance law or regulation during the previous 3 years; or

(3) Having no record of intentional failure to pay any relatively large personal debt.

Article 57 A holder shall submit the following materials if it applies for changing the Qualification Certificate:

(1) An Application for Changing the Qualification Certificate of Insurance Brokering Practitioners; and

(2) The certification about his engaging in insurance related businesses or receiving continuing education during the previous 3 years.

Article 58 If a holder applies for changing the Qualification Certificate, the CIRC shall make a decision of approval or disapproval of the Qualification Certificate prior to the expiration of its valid period. If it decides to disapprove it, it shall make an explanation in writing.

Article 59 If the Qualification Certificate of a holder is lost, the holder shall file an application with the original issuing organ for issuing a new one.

Article 60 An insurance brokering institution shall issue a Practicing Certificate to each of its operating personnel. A practicing certificate can only be issued to an employee of this institution who has a Qualification Certificate and hasn’t conducted any of the acts as listed in Article 53 of the present Provisions.

A practicing certificate is a certification showing that the insurance brokering operating employee conducts insurance brokering activities on behalf of the insurance brokering institution.

When an insurance brokering operating employee conducts insurance brokering business, he shall, on his own initiative, show its Qualification Certificate and practicing certificate to his clients.

Article 61 A practicing certificate shall contain:

(1)The name of the operating employee, name and number of his identity certificate;

(2)The serial number of the Qualification Certificate;

(3)The serial number of the practicing certificate;

(4)The code of conduct for operating employees;

(5)The duties of an operating employee and an account of the limits on his authority;

(6)The name, domicile or business site of the insurance brokering institution or insurance brokering branch;

(7)The supervision or exposure telephone; and

(8)The valid period of the practicing certificate.

The practicing certificates shall be produced under the supervision of the CIRC.

Article 62 Where an insurance brokering operating employee is under any of the following circumstances, the insurance brokering institution shall cancel his practicing certificate:

(1) Resigning from his job or being dismissed;

(2) His Qualification Certificate being invalid; or

(3) Being under any of the circumstances as listed in Article 53 of the present Provisions.

Article 63 An insurance brokering institution or branch shall offer its operating personnel trainings relating to insurance law, insurance brokering practices and professional ethics. The training courses shall conform to the relevant standards of the CIRC.

Before an insurance brokering operating employee takes up his job, he shall have accepted training for at least 80 hours. After he takes up his job, he shall spend no less than 36 hours accepting training and education every year, of which the legal knowledge training and education of professional ethics shall amount to at least 12 hours.

Article 64 An insurance brokering institution or branch shall, prior to January 31 of each year, submit its annual report on training of operating personnel to the CIRC. Such a report shall cover the following:

(1) The contents, way and time of the training of insurance law and practicing knowledge as well as the professional ethics offered to the insurance brokering operating personnel in the previous year; and

(2) The training plan for the current year.

Article 65 An insurance brokering institution or branch shall establish operating personnel management archives to reflect the comprehensive information about the practices of the operating personnel.

Article 66 Where an insurance brokering operating employee is given an administrative punishment by any other governmental supervisory department or is given a penalty by any guild of insurance, the insurance brokering institution or branch shall submit a written report to the CIRC within 5 days after it is aware of the penalty.

Section 2 Management of Senior Managers

Article 67 The senior managers of an insurance brokering institution or branch shall meet the prescribed conditions.

The appointment of the senior managers of an insurance brokering institution shall be subject to the appointment qualification review and approval of the CIRC.

 

Article 68 The senior managers of an insurance brokering institution or branch as mentioned in the present Provisions refer to the following persons:

(1) The legal representative, general manager, vice general manager or other managerial personnel with identical power in this insurance brokering institution as a company;

(2) The partners executing the partnership enterprise affairs of a partnership insurance brokering institution or other managerial personnel with identical power; and

(3) The main person-in-charge of an insurance brokering branch.

Article 69 A senior manger of insurance brokering institution or branch shall meet the following conditions:

(1)Having the education background of college or above;

(2)Having a Qualification Certificate;

(3)Having 2 or more years of experience of an economy-related job; and

(4)Being of good conduct.

A person who has 10 or more years of experience of a financial or insurance job is not required to be subject to the restrictions as mentioned in Item (1) of the preceding Paragraph

A person who has 3 or more years of enterprise management experience is not required to be subject to the restrictions as mentioned in Item (2) of the preceding Paragraph.

Article 70 A person who is under any of the following circumstances shall not hold the position of senior manager of an insurance brokering institution or branch:

(1)He has no civil capacity or has limited civil capacity;

(2)He has ever been subject to any criminal punishment due to a crime of corruption, bribe, encroachment upon property, embezzlement of property or disrupting the social economic order and 5 years have not elapsed since the termination of execution of the criminal punishment, or he has ever been deprived of the political rights due to any crime and 5 years have not elapsed since the termination of execution;

(3) He is a senior manager of a company or enterprise, which is liquidated because its business license is revoked for violating the law or because it goes bankrupt for bad operations, and is personally responsible for or bears direct leadership liability for the revocation of the business license or bankruptcy and 3 years have not elapsed since the liquidation of the company or enterprise is completed;

(4) He is a senior manager of an insurance company or insurance intermediary institution, whose license is revoked for violating the law, and is personally responsible for or bears direct leadership liability for the revocation of the license and 3 years have not elapsed since the revocation of the license;

(5)He has failed to repay any relatively large personal debt due;

(6)The financial regulatory institution decides that he shall not hold the position of a senior manager in a financial institution within a time period, which is still valid;

(7) He is under investigation by the judicial organ, discipline and supervision department or CIRC;

(8) 5 years have not elapsed since an administrative punishment is imposed upon him for cheating an insurance company, applicant, insurant or beneficiary; or

(9) Other circumstances as prescribed by the CIRC which makes it improper for him to hold the position of a senior manager.

Article 71 No senior manager of an insurance brokering institution or branch may hold a concurrent position in an insurance company, any other insurance brokering institution, insurance agency institution, or institution with potential conflict of interest.

Article 72 When the insurance brokering institution appoints a senior manager, it shall submit the following materials in duplicate to the CIRC:

(1)The Insurance Brokering Institution Senior Manager Appointment Qualification Application;

(2)The decision of appointing a senior manager;

(3)The photocopies of the identity certification and diploma of the candidate senior manager; and

(4)The photocopy of his Qualification Certificate, certification materials about his experience of relevant jobs;

Article 73 The CIRC shall conduct a preliminary examination within 20 days after it receives an application for the appointment of a senior manager of an insurance brokering institution and it shall make a decision of approval or disapproval within 40 days after it accepts the application. If it decides to disapprove it, it shall give a written notice to the applicant and make an explanation.

The CIRC shall, within 20 days after it accepts an application for the appointment of a senior manager of an insurance brokering branch, make a decision of approval or disapproval. If it decides to disapprove it, it shall give a written notice to the applicant and make an explanation.

Article 74 Where a candidate senior manager is under any of the following circumstances, the insurance brokering institution or branch shall submit explanatory materials. If it offers false materials or conceals the truth, the CIRC shall not approve the appointment of the candidate senior manager:

(1)He has ever been subject to any criminal punishment;

(2)He has ever been subject to investigation by the judicial organ, discipline inspection or supervision department;

(3) He has ever been subject to any administrative punishment by the financial or insurance regulatory institution;

(4) He has ever been subject to the punishment by an insurance guild;

(5)He has intentionally failed to repay a relatively large debt due and has any other unfaithful acts;

(6)He has ever been dismissed, fired or removed from office by the employing entity;

(7) He is personally responsible for or bears direct leadership liability for a serious fault or economic case;

(8) He is still working in an insurance company or any other insurance intermediary when the application is filed.

Article 75 The CIRC may conduct inspections over and talk with the candidate senior managers of an insurance brokering institution or branch and make an announcement.

Article 76 Where a senior manager of an insurance brokering institution or branch is removed from his current position and is placed into another equivalent position within this insurance brokering institution or branch, or is removed from the senior manager position to an inferior one, he isn’t required to be subject to the appointment qualification review and approval.

Article 77 Where an insurance brokering institution decides to remove a senior manager from his position or permits him to resign from his job, the appointment qualification of the senior manager shall be automatically invalidated from the day when it makes such a decision.

Article 78 Where an insurance brokering institution appoints or dismisses a senior manager, it shall, within 5 days after it makes a decision, submit a written report to the CIRC.

Article 79 Where an insurance brokering institution appoints its legal representative, general manager, partners executing the partnership enterprise affairs or other managerial personnel with equivalent power as the aforesaid persons, publish an announcement in a newspaper as designated by the CIRC within 5 days after it makes such a decision.

Article 80 Where a senior manager of an insurance brokering institution or branch is prosecuted because he is suspected of being involved in an economic crime, the insurance brokering institution shall submit a written report to the CIRC within 5 days after he is prosecuted, or within 5 days after the case is ended.

Article 81 Where an insurance brokering institution appoints a temporary person-in-charge under any special circumstance, it shall submit a written report to the CIRC within 5 days after it makes such a decision of appointment. The term of office of a temporary person-in-charge shall not exceed 3 months.

Chapter IV Business Operation Rules

Article 82 Where an insurance brokering institution or branch engages in the insurance brokering business, it and the entrusting party shall enter into a written entrustment contract so as to stipulate the rights and obligations of both parties and other relevant matters. An entrustment contract shall not conflict with any of the laws, administrative regulations, or relevant provisions of the CIRC.

No insurance brokering institution or branch may accept the full entrustment of a client when it handles the insurance matters for an applicant.

Article 83 An insurance brokering institution or branch may conduct the following insurance brokering businesses:

(1)Making proposals of insurance for the applicant, selecting a proper insurance company and handling the insurance formalities,

(2)Assisting an insurant or beneficiary to claim for compensations;

(3) Re-insurance brokering business;

(4) Providing consultative services to clients in terms of avoiding disasters, losses or risk appraisal, risk management, etc.; and

(5) Other businesses as provided by the CIRC.

The concrete entrustment matters of an insurance brokering institution or branch shall be stipulated in the entrusting contract within the range as listed in the preceding paragraph.

Article 84 An insurance brokering institution may conduct insurance brokering activities within the territory of the People’s Republic of China.

Article 85 The business scope and geographical area of an insurance brokering branch shall be subject to the authorization of the insurance brokering institution to which it is subordinate.

Article 86 The brokering businesses conducted by an insurance brokering institution or branch shall not exceed the business scope or geographical area of the company accepting the insurance. With regard to the insurance brokering transactions that involve joint insurance policies beyond the geographical area of the joint insurers, insurance policies undertaken by the insurance companies or branches beyond their respective geographical area, and blanket policies. Where it is otherwise provided for by the CIRC, the relevant provisions of the CIRC shall be followed.

Article 87 An insurance brokering institution or branch shall charge a commission as agreed to by it and the insurance contracting parties.

Article 88 An insurance brokering institution or branch shall open an independent bank account for the exclusive use of clients’ funds, which shall be used for depositing the following types of money:

(1) The premiums paid by the applicants or insurants to the insurance company; and

(2) The insurance money or compensation that it receives on behalf of the applicants, insurants and beneficiaries.

An insurance brokering institution or branch shall pay premiums to the insurance company within the time limit as agreed to by it and the insurance company.

Article 89 An insurance brokering institution or branch shall establish special account books to record the incomes and expenses relating to the insurance brokering business.

Article 90 An insurance brokering institution or branch shall establish complete and well-kept business archives, which shall including the following:

(1)The name of the insurant;

(2)The brokering insurance product;

(3)The time of collecting the premiums and delivering the premiums to the insurance company;

(4)The amount of commission and the time when it is collected;

(5)The date of receiving the insurance money or insurance compensation and the date of delivering it to the insurant; and

(6)Other important business information.

Article 91 An insurance brokering institution or branch shall properly preserve the business archives, original vouchers relating to the business operations and other relevant materials. The preservation period shall be calculated from the date of termination of an insurance contract and shall not be less than 10 years.

Article 92 An insurance brokering institution or branch shall be obliged to keep confidential the information about the business and property of the insurance companies, applicants, insurants or beneficiaries as well as personal privacies which it learns of during the process of business operations.

Article 93 An insurance brokering institution shall, during its continuous course of business operations, have 2 or more insurance brokering operating personnel, who shall constitute no less than 1/2 of the staff number.

Article 94 An insurance brokering institution or branch shall, during the course of business operations, make a standard client notification letter, which shall state its name, domicile, business site, business scope, legal liabilities, etc.

When the operating personnel of the insurance brokering institution or branch conducts business, it shall show its client notification letter to each client and shall, at the request of a client, account for the way and ratio of payment of commission.

If the main promoter or shareholder of the insurance brokering institution is an insurance company, the insurance brokering institution or branch shall specify the relevant information in the client notification letter.

Article 95 When carrying out brokering business, no insurance brokering institution, branch and none of the operating personnel may cheat any insurance company, applicant, insurant or beneficiary by:

(1)concealing any important information relating to the insurance contract;

(2)selling or publicizing the insurance products on behalf of this insurance brokering institution;

(3)hindering an applicant from performing the obligation of telling the truth or inducing him not to perform the obligation of telling the truth;

(4) divulging the information about the business and property of the insurance companies, applicants, insurants or beneficiaries as well as personal privacies that it learns during the process of business operations;

(5) misappropriating or holding back any premium, insurance money or insurance compensation; or

(6) defrauding an insurance company of insurance money by colluding with an applicant, insurant or beneficiary.

Article 96 No insurance brokering institution, branch or any of its operating personnel may conduct any of the following acts of unfair competition when carrying out brokering business:

(1)False advertisement or publicity;

(2) Fabricating or spreading false facts to impair the business reputation of any other insurance intermediary;

(3) Forcing, inducing or restricting an applicant to conclude an insurance contract or restricting the legitimate business operations of any other insurance intermediary by making use of its (his) administrative power, advantageous status or position or by other improper means;

(4) Giving or promising to give an applicant, insurant or beneficiary any other interest not covered in the insurance contract;

(5) Engaging in insurance brokering business by going beyond the business scope as specified in the license;

(6) Paying kickbacks or giving other illegal interests to any insurance company and its workers; or

(7) Other unfair competition acts.

Article 97 No insurance brokering institution or branch may have business relations with any institution or individual unlawfully engaging in insurance business or insurance intermediary business.

Article 98 Where an insurance brokering institution makes investments abroad or offers foreign-related guaranties, it shall not violate the laws and administrative regulations, nor may it make investments by embezzling the premiums, insurance money or insurance compensation.

Where an insurance brokering institution intends to make an important investment abroad or to offer a significant foreign-related guaranty, it shall obtain the written consent of the board of directors or all partners, and it shall submit a written report to the CIRC within 10 days after it makes an important investment abroad or offers a significant foreign-related guaranty.

An important investment abroad refers to an investment with the single or aggregated investment amount of 50 % of the net assets as shown in the financial statement of this institution for the previous accounting year. A significant guaranty refers to the single or aggregated investment amount of 50 % of the net assets as shown in the financial statement of this institution for the previous accounting year.

Chapter V Supervision

Article 99 An insurance brokering institution or branch shall submit its statements, reports and materials to the CIRC according to the relevant provisions of the CIRC.

Article 100 The statements, reports and materials submitted by an insurance brokering institution or branch shall be timely, accurate and complete and shall bear the signature of the legal representative, partners executing the affairs of the partnership enterprise, the major person-in-charge or the person authorized by him as well as the seal of this institution. The electronic data shall conform to the information technology standards as provided by the CIRC.

Article 101 An insurance brokering institution shall pay the supervision fee into a bank account designated by the CIRC.

Article 102 An insurance brokering institution shall, within 10 days after the end of each quarter, submit the supervisory statements to the CIRC.

Article 103 An insurance brokering institution or branch shall, prior to January 31 of each year, submit the CIRC a report about the management the account for the exclusive use of client fund of the previous year. Such a report shall elaborate on the information about the establishment of the account for the exclusive use of client fund, actual payments and book balance.

Article 104 After the end of each accounting year, an insurance brokering institution shall hire an accounting firm to audit this institution in terms of finance, legitimacy and regulation conformity and it shall, within 3 months, submit an audit report, balance sheet and profit statement as well as other financial statements to the CIRC.

Where necessary, the CIRC may demand an insurance brokering institution or branch to submit a special external audit report.

Article 105 Where necessary for supervision, the CIRC may arrange a supervision interview with the senior managers of an insurance brokering institution or branch and demand them to account for the important matters in their business operations.

Article 106 The CIRC may conduct an on-the-spot inspection over an insurance brokering institution or branch. The CIRC shall send an inspection notice to the insurance brokering institution or branch 5 days prior to the inspection. Such an inspection notice shall state the date of inspection, names of the inspectors and inspection requirements.

An inspection notice may be sent by fax to the to-be-inspected insurance brokering institution or branch in advance, but the original inspection notice as well as the inspectors’ working certificates shall be shown to the insurance brokering institution or branch when an inspection is conducted.

Whenever the CIRC deems it necessary, it may conduct an on-the-spot inspection without prior notice.

Article 107 An on-the-spot inspection conducted by the CIRC over an insurance brokering institution or branch shall include all or some of the following items:

(1) Whether the formalities for the examination and approval of the establishment of institution or those for the examination and approval of the modification matters have been completed or not;

(2) Whether the registered capital or capital contributions are true or have been fully paid or not;

(3) Whether the security has been fully withdrawn or not, and whether any of the security has been misappropriated by violating relevant provisions or not;

(4)Whether the business operations are lawful and comply with the relevant provisions or not;

(5)Whether the financial status is good or not;

(6)Whether the reports, statements and materials submitted to the CIRC are timely, complete and true;

(7)Whether the internal control system is sound or not;

(8)Whether the appointment of senior managers meets the requirements of the present provisions;

(9)Whether the insurance brokering institution or branch has fully performed its duties of managing the practices of its operating personnel;

(10)Whether the announcements are timely and genuine;

(11)Whether the computer equipment and information system are running well;

(12)Other matters which the CIRC deems it necessary to inspect.

Article 108 Where an insurance brokering institution or branch is suspected of violating any insurance law, administrative regulation or the present Provisions, the CIRC shall, during the period of investigation, have the power to order it to suspend conducting new business or some of its businesses.

Article 109 An insurance brokering institution or branch shall, in compliance with the following requirements, cooperate with the CIRC in the on-the-spot inspection, it shall not reject or obstruct the supervision and inspection lawfully conducted by the CIRC:

(1) It shall provide relevant documents or materials in accordance with the relevant provisions, and shall not transfer or conceal the relevant documents or materials;

(2) The pertinent senior managers, accountants and insurance brokering operating personnel shall be present on the spot. They shall account for the facts, answer questions, accept supervisory interviews and shall not intentionally dodge, delay or obstruct the inspection.

Article 110 Where an insurance brokering institution or branch is under any of the following circumstances, the CIRC may list it as a main inspection target:

(1)There are abnormal changes in its business operations or financial affairs;

(2)Failing to timely submit relevant reports and statements or providing false reports, statements, documents and materials;

(3)Having been given any administrative punishment by the CIRC due to any serious violation of law or regulation; or

(4) Other circumstances under which the CIRC deems it necessary to list it as a main inspection target.

Article 111 During the course of an on-the-spot inspection, the inspectors of the CIRC shall strictly comply with the relevant laws, administrative regulations and the relevant provisions of the CIRC regarding the on-the-spot inspection. They shall not divulge any business information of the insurance brokering institution or branch that they learn about during the course of the on-the-spot inspection.

Article 112 Where an insurance brokering institution or branch believes that an inspector violates any law, administrative regulation or relevant provisions of the CIRC, it shall expose or complain to the CIRC.

An insurance brokering institution or branch shall be entitled to file an administrative reconsideration or lodge an administrative lawsuit against an administrative settlement measure of the CIRC.

Article 113 The CIRC may entrust an accounting firm or any other social intermediary to inspect an insurance brokering institution or branch. The entrustment shall be in writing.

The CIRC shall inform the to-be-inspected insurance brokering institution or branch of the entrustment matters.

Chapter VI Legal Liabilities

Article 114 After a senior manager of an insurance brokering institution or branch leaves this institution or branch, if it is found that he has violated any insurance supervision provisions when he worked for this institution or branch, he shall be subject to relevant liabilities.

Article 115 Anyone who illegally engages in insurance brokering business without license shall be banned. If any crime is constituted, he shall be subject to criminal liabilities. If the circumstance is not serious enough to constitute a crime, the CIRC shall confiscate his illegal gains and impose on him a fine of 1 up to 5 times of the illegal gains. If there are no illegal gains, or if the illegal gains are less than 100, 000 yuan, a fine of not less than 100, 000 yuan but not more than 500, 000 yuan shall be imposed on him.

Article 116 Where an insurance brokering institution is established through cheating, bribing or by other improper means, it shall be cancelled by the CIRC. The investors who provide false materials or conduct any other illegal act shall be given a warning, shall be fined 30, 000 yuan, and shall not re-apply to establish an insurance brokering institution within 3 years.

Article 117 Where an insurance brokering institution or branch applies for an administrative license by concealing the relevant information or providing false materials, the CIRC shall not accept or approve the application and shall give a warning to this institution or branch.

Article 118 Where an insurance brokering institution or branch obtains an administrative license from the CIRC by cheating, bribing or any other improper means, the CIRC shall revoke the licensing decision, shall give it a warning and fine it 30,000 yuan. For any objective circumstance, if it is of no practical meaning to revoke the licensing decision or if it is unable to execute the revocation, the CIRC shall fine this institution by 30, 000 yuan.

Article 119 Where an applicant applies for a Qualification Certificate by concealing the relevant information or providing false materials, the CIRC shall not accept his application, shall not issue a Qualification Certificate to him and shall give him a warning. This applicant shall not re-apply with the CIRC for a Qualification Certificate within 1 year.

Article 120 Where the holder of a Qualification Certificate obtains the Qualification Certificate by cheating, bribing or by other improper means, the CIRC shall revoke his Qualification Certificate and give him a warning. The holder shall not reapply for a Qualification Certificate within 3 years.

Article 121 Where an insurance brokering institution is under any of the following circumstances, the CIRC shall order it to get right and fine it by 30, 000 yuan. The CIRC shall give a warning to the directly liable senior manager and other directly liable persons of this insurance brokering institution and shall give them a fine of not less than 10, 000 yuan but not more than 30, 000 yuan:

(1)Splitting or merging without approval;

(2)Changing its shareholders or partners without approval;

(3)Changing its organizational form, registered capital or capital contributions; or

(4)Changing its equity structure or proportions of capital contributions without approval.

Article 122 Where an insurance brokering institution is under any of the following circumstances, the CIRC shall order it to get right and give it a fine of not less than 50, 000 yuan but not more than 300, 000 yuan. If the circumstance is serious, the CIRC may limit its business scope or order it to stop accepting new business. The CIRC shall give the directly liable senior person-in-charge and other directly liable persons a warning and shall give them a fine of not less than 10, 000 yuan but not more than 30, 000 yuan:

(1)Failing to deposit the security as required;

(2)Drawing on the security without approval.

Article 123 Where an insurance brokering institution is under any of the following circumstances, the CIRC shall order it to get right and give it a fine of 30, 000 yuan. The CIRC shall give a warning to the directly liable senior manager and other directly liable persons of this insurance brokering institution and shall give them a fine of not less than 10, 000 yuan but not more than 30, 000 yuan.

(1)Setting up an insurance brokering branch without approval; or

(2)Appointing any senior manager without approval.

Article 124 Where an insurance brokering institution or branch is under any of the following circumstances, the CIRC shall order it to get right and give it a fine of 20, 000 yuan; if there are no illegal gains, the CIRC shall give it a fine of 10, 000 yuan. The CIRC shall give a warning to the directly liable senior manager and other directly liable persons of this insurance brokering institution and shall give them a fine of 5, 000 yuan.

(1)Forging, altering, renting, lending or transferring a license; or

(2)Using an expired or invalidated license.



Article 125 Where an insurance brokering institution or branch or any of its operating personnel is under any of the circumstances as described in Article 95 of the present Provisions, the CIRC shall order it (him) to get right and impose on it (him) a fine of not less than 50, 000 yuan but not more than 300, 000 yuan. If the circumstance is serious, the CIRC shall revoke its license. The CIRC shall give a warning to the directly liable senior manager and other directly liable persons of this insurance brokering institution and shall give them a fine of not more than 30, 000 yuan.

Article 126 Where an insurance brokering institution or branch conducts insurance brokering business with any entity or individual which/who illegally engages in the insurance business or insurance intermediary business, it shall be given a warning and be fined 30, 000 yuan by the CIRC. If it has no illegal gains, or if its illegal gains are less than 10, 000 yuan, it shall be fined 20, 000 yuan.

Article 127 Where an insurance brokering institution or branch or any of its operating personnel is under any of the circumstances as described in Article 96 of the present Provisions, it shall be ordered to get right and be fined not more than 10, 000 but less than 30, 000 yuan by the CIRC. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and be fined 10, 000 yuan.

Article 128 Where an insurance brokering institution or branch issues or uses any invoice, receipt, insurance document or any other business voucher inconformity with the actual circumstance, it shall be given a warning, shall be ordered to get right and shall be fined not more than 30, 000 yuan by the CIRC.

Article 129 Where an insurance brokering institution or branch is under any of the following circumstances, it shall be ordered to get right, shall be given a warning and shall be fined less than 10, 000 yuan by the CIRC. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and be fined 5, 000 yuan:

(1)Failing to establish special account books or business archives;

(2)Failing to open an independent bank account for the exclusive use of clients’ funds;

(3)Investing abroad or offering foreign-related guaranty in violation of the present Provisions; or

(4)Concluding or changing an insurance contract without the written entrustment of the applicant or insurant.

Article 130 Where an insurance brokering institution and branch impinges upon the legitimate rights and interests of an applicant, insurant or beneficiary by going beyond the entrustment scope, the CIRC shall give it a warning and fine it less than 30, 000 yuan.

Article 131 Where an insurance brokering institution or branch violates Article 86 of the present Provisions, it shall be ordered to get right and shall be fined less than 30, 000 yuan by the CIRC. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and shall be fined 5, 000 yuan.

Article 132 Where an insurance brokering institution or branch fails to submit relevant reports, statements, documents or materials under the present Provisions, it shall be ordered to get right by the CIRC. If it fails to do so within a time limit, it shall be fined not less than 10, 000 yuan but not more than 100, 000 yuan. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and shall be fined 5, 000 yuan.

Article 133 Where an insurance brokering institution or branch is under any of the following circumstances, it shall be ordered to get right and shall be fined not less than 100, 000 yuan but not more than 500, 000 yuan by the CIRC. If the circumstance is serious, it shall be punished by the CIRC under the relevant laws and administrative regulations. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and shall fined less than 30, 000 yuan:

(1)Providing any false report, statement, document or material; or

(2)Rejecting or obstructing the lawful inspection and supervision



Article 134 Where an insurance brokering institution or branch is under any of the following circumstances, it shall be ordered to get right and shall be fined 30, 000 yuan by the CIRC. The directly liable senior manager and other directly liable persons of this institution shall be given a warning and shall fined 5, 000 yuan:

(1)Failing to pay the supervision fee pursuant to relevant provisions;

(2)During the process of liquidation, it fails to submit a liquidation report, or any important fact is intentionally concealed or any significant matter is omitted in the liquidation report; or

(3) Refusing to return the license in violation of the present Provisions.

Article 135 Where an insurance brokering institution or branch is under any of the following circumstances, it shall be ordered to get right, be given a warning and shall be fined less than 10, 000 yuan by the CIRC:

(1) Failing to provide its operating personnel training and education relating to insurance law, practices and professional ethics under relevant provisions;

(2) Failing to manage the business archives or special account books under relevant provisions;

(3)The actual term of office of a temporary person-in-charge exceeds the prescribed time period;

(4)Failing to go through the formalities of modifying the registration of license;

(5)Failing to fulfill the obligation of telling the truth to the applicants, insurants and the general public; or

(6)Failing to fulfill the duties relating to the management of practicing licenses.

Chapter VII Supplementary Provisions

Article 136 The present Provisions shall apply to the foreign-funded insurance brokering institutions set up upon approval of the CIRC unless it is otherwise provided for in any international treaty signed by China, or otherwise provided for by the CIRC.

Article 137 The insurance intermediaries as mentioned in the present Provisions refer to the insurance agencies, insurance brokering institutions and insurance public evaluation institutions as well as their branches.

The insurance companies as mentioned in the present Provisions refer to the insurance companies and their branches.

Article 138 As to the materials as required for submission to the CIRC, the Chinese version shall prevail and they shall be submitted according to the formats as required by the CIRC. Where necessary, the CIRC may demand an applicant to forward the electronic documents for the relevant materials.

Article 139 All formats of the forms as required for submission by the present Provisions shall be formulated by the CIRC.

Article 140 The time limits as mentioned in the present Provisions shall, except for those expressed by the year or month, be computed on the basis of working days, excluding the legal holidays.

Article 141 The power to interpret and revise the present Provisions shall remain with the CIRC.

Article 142 The present Provisions shall be implemented as of January 1, 2005. The Provisions on the Administration of Insurance Brokering Companies (Order No. 5 [2001] of the China Insurance Regulatory Commission) issued by the CIRC on November 16, 2001 shall be simultaneously abolished.