中华人民共和国外资保险公司管理条例实施细则

Detailed Rules for Implementation of Regulations of the People’s Republic of China on Administration of Foreign-funded Insurance Companies

    第一条　根据《中华人民共和国保险法》和《中华人民共和国外资保险公司管理条例》（以下简称《条例》），制定本细则。

Article 1 These Rules are formulated in accordance with the Insurance Law of the People’s Republic of China and the Regulations of the People’s Republic of China on Administration of Foreign-funded Insurance Companies (hereinafter referred to as “the Regulations”).

    第二条 《条例》所称外国保险公司，是指在中国境外注册、经营保险业务的保险公司。

Article 2 A foreign insurance company under the Regulations refers to an insurance company registered and conducting insurance business outside the territory of China.

    第三条  外国保险公司与中国的公司、企业合资在中国境内设立经营人身保险业务的合资保险公司（以下简称合资寿险公司），其中外资比例不得超过公司总股本的50％。

Article 3 The proportion of foreign equity in an insurance company incorporated within the territory of China by a foreign insurance company with a Chinese company or enterprise that conducts life insurance business (hereinafter referred to as “joint-equity life insurance company”) shall be no more than 50% of the total equity of the company.

 外国保险公司直接或者间接持有的合资寿险公司股份，不得超过前款规定的比例限制。

The shares of a joint-equity life insurance company directly or indirectly held by a foreign insurance company shall not exceed the limit of proportion as stipulated in the preceding paragraph.

    第四条  《条例》生效前在中国境内设立的外资保险公司，其注册资本或者营运资金不足2亿元人民币或者其等值的自由兑换货币的，应当在本细则生效后2年内缴足；

Article 4 For a foreign-funded insurance company established within the territory of China before the Regulations became effective with registered capital or working capital of less than RMB 200 million or an equivalent amount in a freely convertible currency, its registered capital or working capital shall be fully paid within 2 years after these Rules become effective.

未缴足注册资本或者营运资金的，对于其开展新业务的申请，中国保监会不予批准。

 For those who fail to fully pay the registered capital or working capital, China Insurance Regulatory Commission shall not grant approval to their application for operation of new business.

    第五条  外资保险公司的注册资本或者营运资金应当为实缴货币。

Article 5 The registered capital or working capital of a foreign-funded insurance company shall be the actually paid-up currency.

    第六条  外国保险公司分公司成立后，外国保险公司不得以任何形式抽回营运资金。

Article 6 After establishing a branch, the foreign insurance company shall not withdraw the working capital in any form.

    第七条  《条例》第八条第一项所称经营保险业务30年以上，是指外国保险公司持续经营保险业务30年以上，外国保险公司吸收合并其他机构或者与其他机构合并设立新保险公司的，不影响其经营保险业务年限的计算。

Article 7 The period of operation of insurance business being more than 30 years, which is mentioned in Item 1 of Article 8 of the Regulations, means that the foreign insurance company shall have continuously been running insurance business for more than 30 years, and the foreign insurance company’s acquisition of another institution or merger with another institution to establish a new insurance company, shall not affect the calculation of the business operation period.

外国保险公司子公司的经营保险业务年限，从该子公司设立时开始计算。

The business operation period of a subsidiary of a foreign insurance company shall start from the date of establishment of the subsidiary.

    第八条 《条例》第八条第二项所称代表机构，是指经中国保险监督管理委员会（以下简称中国保监会）批准的下列代表机构：

Article 8 The representative office mentioned in Item 2 of Article 8 of the Regulations refers to the following representative offices approved by China Insurance Regulatory Commission (hereinafter referred to as “CIRC”):

   （一）外国保险公司设立的代表机构；

(1) The representative office established by a foreign insurance company;

   （二）外国保险公司所在的集团公司设立的代表机构。

(2) The representative office established by a group to which a foreign insurance company belongs.

   第九条  外国保险公司或者其所在的集团公司设立的代表机构，只能适用于申请设立一家外资保险公司。

Article 9 The representative office established by a foreign insurance company or its group to which the insurance company belongs is only applicable to application for establishing one foreign-funded insurance company.

   第十条  《条例》第八条第三项所称设立申请前1年年末，是指申请日的上一个会计年度末。

Article 10 The end of the year prior to the application for the establishment mentioned in Item 3 of Article 8 of the Regulations refers to the end of the previous fiscal year before the date of application.

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