{0> （一）保险公司的可投资总额，不得超过公司上年末外汇资金余额的80％，保险公司出现本办法第八条规定情形的，其可投资总额不得超过其上年末外汇资金余额与增加资金合计的80％； <}0{>(1) The total investable amount of an insurance company shall not exceed 80% of the balance of its foreign exchange funds at the end of the previous year. In any of the circumstances specified in Article 8 hereof, the total investable amount shall not exceed 80% of the aggregate of the balance of foreign exchange funds at the end of the previous year and increased funds; <0}

{0> （二）保险公司的实际投资总额，不得超过国家外汇局核准的投资付汇额度; <}0{>(2) The total amount of actual investment of the insurance company shall not exceed the amount of foreign exchange payment for investment approved by the SAFE; <0}

{0> （三）保险公司在同一银行的存款，不得超过国家外汇局核准投资付汇额度的30%，其在境外外汇资金运用结算账户的资金余额不受本项规定限制； <}0{>(3) The deposits of an insurance company in the same bank shall not exceed 30% of the amount of foreign exchange payment for investment approved by the SAFE. The fund balance of its overseas settlement account for overseas use of foreign exchange funds shall not be restricted by this provision; <0}

{0> （四）除中国的政府或者企业在境外发行的债券外，保险公司投资信用评级在A级的所有债券余额，按成本价格计算，不得超过国家外汇局核准投资付汇额度的30%; <}0{>(4) The balance of all bonds with credit rating of A in which an insurance company invests, except the bonds that the Chinese government and Chinese enterprises issue overseas, shall be calculated at cost and not exceed 30% of the amount of foreign exchange payment for investment approved by the SAFE; <0}

{0> （五）除中国的政府或者企业在境外发行的债券外，保险公司投资信用评级在AA级以下的所有债券余额，按成本价格计算，不得超过国家外汇局核准投资付汇额度的70%; <}0{>(5) The balance of all bonds with credit rating of below AA in which an insurance company invests, except the bonds that the Chinese government and Chinese enterprises issue overseas, shall be calculated at cost and not exceed 70% of the amount of foreign exchange payment for investment approved by the SAFE; <0}

{0> （六）保险公司投资同一公司或者企业发行债券的余额，按成本价格计算，不得超过国家外汇局核准投资付汇额度的10%； <}0{>(6) The balance of the bonds issued by the same company or enterprise in which an insurance company invests shall be calculated at cost and not exceed 10% of the amount of foreign exchange payment for investment approved by the SAFE; <0}

{0> （七）保险公司投资中国的政府或者企业在境外发行债券的余额，按成本价格计算，不得超过国家外汇局核准的投资付汇额度。 <}0{>(7) Where an insurance company invests in the bonds that the Chinese government or Chinese enterprises issue overseas, the balance of these bonds shall be calculated at cost and not exceed the amount of foreign exchange payment for investment approved by the SAFE. <0}

{0> 第四章 投资管理 <}0{>Chapter IV Investment Management <0}

{0> 第十一条 保险外汇资金的境外运用业务应当由总公司统一进行资产战略配置，内设的专业资金运用部门或者相关保险资产管理公司负责业务管理。 <}0{>Article 11 The parent insurance company shall centrally allocate assets in respect of overseas use of foreign exchange insurance funds. The internal specialized fund use department or the relevant insurance asset management company shall be responsible for business management. <0}

{0> 保险公司分支机构不得从事外汇资金的境外运用业务。 <}0{>Branches of an insurance company shall not be engaged in overseas use of foreign exchange funds. <0}

{0> 第十二条 保险外汇资金的境外运用必须依据《保险资金运用风险控制指引》，建立完善的风险控制制度。 <}0{>Article 12 A sound risk control system in respect of overseas use of foreign exchange insurance funds must be established in accordance with the Risk Control Guidelines for Use of Insurance Funds. <0}

{0> 风险控制制度至少应当包括投资决策流程、投资授权制度、研究报告制度、风险评估和绩效考核指标体系。 <}0{>The risk control system shall at least include an investment decision-making process, an investment authorization system, a research and report system, a risk assessment and performance evaluation indicator system. <0}

{0> 第十三条 保险公司从事外汇资金境外运用，可以委托符合本办法第十四条规定条件的境外专业投资机构进行投资管理。 <}0{>Article 13 An insurance company engaged in overseas use of foreign exchange funds may entrust overseas specialized investment institutions that satisfy the requirements specified in Article 14 hereof to conduct investment management. <0}

{0> 第十四条 受托管理保险外汇资金的境外专业投资机构，应当具备下列条件： <}0{>Article 14 An overseas specialized investment institution entrusted to manage foreign exchange insurance funds shall satisfy the following requirements: <0}

{0> （一）依照所在国家或者地区的法律，可以经营资产管理业务； <}0{>(1) It shall be permitted to conduct asset management business according to the law of the country or region where it is located; <0}

{0> （二）风险监控指标符合所在国家或者地区的法律和监管部门的相关规定； <}0{>(2) Its risk control indexes shall comply with the law of the country or region where it is located and with relevant regulations of its supervisory authority; <0}

{0> （三）实收资本和净资产均不低于6000万美元或者其等值的自由兑换货币，管理资产规模不低于500亿美元或者其等值的自由兑换货币； <}0{>(3) Neither its paid-up capital nor its net assets shall be less than USD 60 million or equivalent value in a freely convertible currency. The amount of assets under its management shall not be less than USD 50 billion or equivalent value in a freely convertible currency;

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