目录 Contents
- 银行保险机构公司治理监管评估办法
Measures on Supervisory Assessment of Corporate Governance of Banking and Insurance Institutions
2. 人身保险产品信息披露管理办法
Administrative Measures for Information Disclosure of Life Insurance Products
3. 绿色保险业务统计制度的通知
Notice on the Statistical Rules for Green Insurance Business
4. 商业银行和理财公司个人养老金业务管理暂行办法
Administrative Measures on Personal Pension Business of Commercial Banks and Wealth Management Companies
5. 企业集团财务公司管理办法
Administrative Measures for Finance Companies of Enterprise Groups
6. 财产保险灾害事故分级处置办法
Measures for Leveled Response to Property Insurance Disasters and Accidents
1、银行保险机构公司治理监管评估办法
Measures on Supervisory Assessment of Corporate Governance of Banking and Insurance Institutions
2022年11月28日，银保监会发布了《银行保险机构公司治理监管评估办法》。办法自发布之日生效并取代2019年11月25日发布的《银行保险机构公司治理监管评估办法（试行）》。办法适用于中华人民共和国境内依法设立的商业银行、商业保险机构和其他非银行金融机构（法人机构），包括：国有大型商业银行、股份制商业银行、城市商业银行、民营银行、农村商业银行、农村合作银行、外资银行、保险集团（控股）公司、财产保险公司、再保险公司、人身保险公司、相互保险社、自保公司、金融资产管理公司、金融租赁公司、企业集团财务公司、汽车金融公司、消费金融公司及货币经纪公司。此外，银保监会机构监管部门和银保监局（合称“监管机构”）可以参照本办法，对未纳入公司治理监管评估的银行保险机构开展试评估。
On November 28, 2022, CBIRC promulgated the Measures on Supervisory Assessment of Corporate Governance of Banking and Insurance Institutions (the “Measures”), which took effect on the same date and superseded the Measures on Supervisory Assessment of Corporate Governance of Banking and Insurance Institutions (Trial) promulgated on November 25, 2019. The Measures apply to commercial banks, commercial insurance institutions and other non-banking financial institutions (legal person institutions) established within the PRC, including: large state-owned commercial banks, commercial banks limited by shares, urban commercial banks, privately-owned banks, rural commercial banks, rural cooperation banks, foreign-invested banks, insurance group (holding) companies, P&C insurance companies, reinsurance companies, life insurance companies, mutual insurance companies, self-insured companies, financial asset management companies, financial lease companies, enterprise group finance companies, auto-mobile finance companies, consumer finance companies and money brokerage companies. In addition, the institution regulatory department of CBIRC and the local bureaus of CBIRC (collectively, the “Regulators”) may, by reference to the Measures, conduct trial assessment on those banking and insurance institutions that are not covered by the Measures.
公司治理监管评估包括合规性评价、有效性评价、重大事项调降评级三个步骤。合规性评价主要针对公司治理是否符合法律法规及监管规定；有效性评价则重点针对公司治理机制的实际效果、主要关注存在的突出问题和风险；如机构存在公司治理重大缺陷甚至失灵情况时，机构评估等级将被调降。试行办法将具体的评估指标及分值附于文后，而新办法则建立指标动态调整机制，评估指标不再直接附于文后，而是根据最新监管制度和工作需要，及时更新调整。
The corporate governance supervisory assessment includes three steps: compliance assessment, effectiveness assessment, and rating downgrading for major events. Compliance assessment mainly aims at the corporate governance’s compliance with laws, regulations and regulatory rules; effectiveness assessment mainly aims at the actual effect of the corporate governance and focuses on the outstanding issues and risks; if an institution has material flaws in its corporate governance or even a corporate governance failure, its assessment ranking will be downgraded. While the trial measures have the detailed assessment indicators attached as their exhibits, the new Measures have established a dynamic adjustment mechanism for the assessment indicators, whereby the assessment indicators are no longer attached as exhibits but will be updated and adjusted from time to time according to the latest regulatory rules and work needs.
合规性指标或有效性指标存在问题持续得不到整改的，监管机构可以视情况加大扣分力度。第二年未整改的，可按该指标分值两倍扣分；第三年未整改的，可按该指标分值四倍扣分；第四年未整改的，可按该指标分值八倍扣分，以此类推。
If an issue in relation to a compliance or effectiveness indicator is not timely rectified, the Regulators may, depending on the actual circumstances, deduct more points. If rectification is not made in the second year, twice the points assigned to such indicator may be deducted; if rectification is not made in the third year, four times the points assigned to such indicator may be deducted; if rectification is not made in the fourth year, eight times the points assigned to such indicator may be deducted, and so on and so forth.
评估频率及覆盖时间段。评估原则上每年开展一次，对评估结果为B级及以上的机构可适当降低评估频率，但至少每2年开展一次。评估主要评估上一年度公司治理状况，可适当向前追溯或向后延伸。
Assessment frequency and time periods. The assessment should be conducted once a year in principle. Institutions with Grade B or higher may be assessed less frequently, but at least once every two years. The assessment will mainly assess the corporate governance status in the preceding year, but can be expanded to cover a preceding or succeeding time period as appropriate.
评估流程。评估流程主要包括年度评估方案制定、机构自评、监管评估、监管复核、结果分析与反馈、督促整改等环节。
Assessment process. The assessment process consists mainly of annual assessment plan formulation, self-assessment, regulatory assessment, regulatory verification, analysis and delivery of the results, and supervision and rectification.
年度评估方案制定：银保监会每年根据宏观经济金融形势、行业公司治理风险特征、监管规则和关注重点等因素的变化情况，制定年度公司治理监管评估方案，明确当年评估对象、评估要点、评分标准和具体安排。
Annual assessment plan formulation: CBIRC should, based on the changes to factors such as macroeconomic and financial trends, risk characteristics of corporate governance in the industry, regulatory rules and focuses, formulate the annual plan for corporate governance assessment, specify the assessment targets, focuses, rating standards and specific arrangements for the current year.
自评估：银行保险机构应当根据相关规定开展公司治理自评估，并在2月底前将自评估报告及相关证明材料报送监管机构。
Self-assessment: the banking and insurance institutions should conduct self-assessment in accordance with relevant rules, and submit the self-assessment report and relevant evidence materials to the Regulators by the end of February.
监管评估：监管评估采取现场评估和非现场评估相结合的方式。现场评估采取现场调阅材料、查询系统，以及与董事、监事和高管人员谈话等方式，结合日常非现场监管、前期现场检查等掌握的情况开展。现场评估应每3年对所监管机构实现全覆盖。监管评估应于每年5月底前完成。
Regulatory assessment: the regulatory assessment will be conducted by way of a combination of off-site and on-site assessment. The on-site assessment should be conducted by way of onsite document review, system search, talk with directors, supervisors and senior management personnel and etc., taking into account the information obtained from day-to-day off-site supervision, earlier on-site inspection, etc. The Regulators should conduct on-site assessment of each and every institution under its supervision every three years. The regulatory assessment should be completed by the end of each May.
监管复核。银保监会将根据日常监管信息、机构风险状况等情况，对银保监局形成的评估结果进行监管复核。监管复核应当于每年6月底前完成。公司治理监管评估工作办公室可以联合相关监管机构，在评估过程中或评估结束后，选取一定比例的被评估机构，进行监管评估抽查。
Regulatory verification: The regulatory assessment results from CBIRC local bureaus will be verified by CBIRC against the information from day-to-day supervision, the risk status of the institutions and etc. The regulatory verification should be completed by the end of each June. During or after the assessment process, the corporate governance supervisory assessment working office may, together with the relevant Regulators, conduct a sampling check on a certain percentage of institutions being assessed.
评估结果的分析：监管部门对年度评估开展情况和评估结果进行分析，总结评估发现的风险问题，报告公司治理监管评估工作办公室。
Assessment result analysis: the Regulators should analyze the conduct and results of the annual assessment, summarize the risk exposures identified in the assessment, and report the same to the corporate governance supervisory assessment working office.
评估分析的反馈：反馈采取“一对一”的形式，内容包括公司治理监管评估结果、公司治理存在的主要问题及整改要求。评估结果反馈原则上应当于每年7月底前完成。
Delivery of assessment results: the assessment results will be delivered on a “one on one” basis, which will include not only the corporate governance assessment results, but also the main corporate governance issues identified and the rectification requirements. The assessment results should be delivered by the end of each July.
评估等级及后果。评估等级分为A（优秀）、B（良好）、C（合格）、D（较弱）、E（差）五级。监管机构根据公司治理监管评估结果，对银行保险机构依法采取不同监管措施。
Assessment grading results and consequences. Assessment grading results are divided into Grade A (outstanding), Grade B (good), Grade C (pass), Grade D (weak) and Grade E (bad). The Regulators can adopt different regulatory measures for the institutions receiving different assessment grading results.
存在如下情况，可直接评定为E级：（1）拒绝或者阻碍公司治理监管评估；（2）股东虚假出资；（3）通过提供虚假材料等方式隐瞒公司治理重要事实、资产质量等方面的重大风险；（4）与银行保险机构开展违规关联交易，严重影响银行保险机构资本充足率、偿付能力充足率真实性等；（5）股东通过隐藏实际控制人、隐瞒关联关系或通过代持等方式规避监管审查，控制或操纵银行保险机构。
The institutions under one of the following circumstances can be directly graded as Grade E: (1) refusal or obstruction of corporate governance supervisory assessment, (2) shareholders making fake capital contributions; (3) concealing important facts about corporate governance or major risks in asset quality, etc., by providing false materials or otherwise; (4) incompliant affiliated transactions with the banking or insurance institution, seriously affecting the authenticity of the capital adequacy ratio and the solvency adequacy ratio of the banking or insurance institution; (5) shareholders, through concealing actual controller, affiliated relationship, entrustment of shareholding and etc., evading regulatory supervision and controlling or manipulating the banking and insurance institution.
对D级和E级机构，监管机构可以采取包括但不限于以下措施：依法采取责令调整相关责任人、责令暂停部分业务、停止批准开办新业务、停止批准增设分支机构、限制分配红利和其他收入等监管措施；对E级机构，监管机构还可以对机构及责任人进行处罚等。
For Grade D and Grade E institutions, the Regulators may adopt the measures including without limitation the following: ordering removal of relevant responsible persons, ordering a suspension of certain business, ceasing to approve the launch of new business, ceasing to approve the establishment of additional branches, restricting the share dividends and other distributions; and for Grade E institutions, the Regulators may also impose administrative penalties on the institutions and relevant responsible persons.
公司内通报。银行保险机构在收到监管机构的反馈结果后，应当及时将有关情况通报给董事会、监事会和高级管理层，通报内容包括但不限于：评估结果、监管机构反馈的主要问题、整改要求等，并按监管要求及时进行整改。
Internal reporting. After receiving the assessment results from the Regulators, the banking or insurance institution should promptly notify its board of directors, board of supervisors and senior management of the relevant information, including but not limited to: assessment results, major issues identified by the Regulators, and rectification requirements, and should make rectification in accordance with the regulatory requirements in a timely manner.
2、人身保险产品信息披露管理办法
Administrative Measures for Information Disclosure of Life Insurance Products
2022年11月11日，银保监会发布《人身保险产品信息披露管理办法》，将于2023年6月30日生效并取代《人身保险新型产品信息披露管理办法》、《关于执行〈人身保险产品信息披露管理办法〉有关事项的通知》以及《关于〈人身保险新型产品信息披露管理办法〉有关条文解释的通知》。该办法将适用于各类型、功能及期限的个人人身保险产品，不适用于团体保险产品。
On November 11, 2022, 2022, CBIRC promulgated the Administrative Measures for Information Disclosure of Life Insurance Products (the “Measures”), which will take effect on June 30, 2023 and supersede the Administrative Measures for the Information Disclosure of Innovative Life Insurance Products, the Notice on Matters Concerning the Implementation of the Administrative Measures for the Information Disclosure of Life Insurance Products and the Notice on the Interpretation of the Provisions of the Administrative Measures for the Information Disclosure of Innovative Life Insurance Products. The Measures will apply to individual life insurance products of various types, functions and terms, but do not apply to group products.
根据该办法，保险公司是信息披露的主体，保险公司保险销售人员、保险中介机构及其从业人员应当按照保险公司提供的材料，向投保人、被保险人、受益人及社会公众进行披露。保险公司可以通过官方网站、官方公众服务号等自营平台，中国保险行业协会平台等公共信息披露渠道，其授权或委托的合作机构和第三方媒体，产品说明会等方式进行披露。
According to the Measures, insurance companies are the disclosing entity; salespersons of insurance companies, insurance intermediaries and their practitioners should disclose product information to policyholders, insureds, beneficiaries and the public based on the materials provided by insurance companies. Insurance companies can disclose information via self-operated platforms such as official websites and official public service accounts, the platform of the Insurance Association of China and other public disclosing channels, authorized cooperation agencies and third-party media and product briefing sessions.
披露信息范围。保险公司应当披露产品目录、产品条款、产品费率表以及一年期以上的产品的现金价值全表和说明书等信息。保险公司应在官方网站披露前述产品信息，并在变更之日起10个工作日内更新。
Scope of information disclosure. Insurance companies should disclose, among other things, product catalogs, product terms, premium rates and, for products with 1-year or longer terms, cash value full charts and prospectuses. Insurance companies should disclose the aforesaid product information on their official websites, and update such information within 10 working days after a change of such information.
承保后的保单查询内容。保险公司应为投保人提供电话、互联网等方式的保单查询服务。查询内容包括但不限于：产品名称，产品条款，保单号，投保人、被保险人及受益人信息，保险销售人员、保险服务人员信息，保险费，交费方式，保险金额，保险期间，保险责任，责任免除，等待期，保单生效日，销售渠道，查询服务电话等。
Policy inquiries after underwriting. Insurance companies should provide policyholders with policy inquiry services by telephone, Internet or other means. Such inquiries should cover, among other things, product name, product term, policy number, policyholder, insured, beneficiary, insurance salesperson and insurance service personnel, premium, payment method, sum insured, insurance period, insurance liability, exclusion, waiting period, effective date of insurance policy, sales channels, and inquiry service hotline, etc.
应披露的理赔信息。保险公司应当通过公司官方网站、应用程序、公众服务号、客户服务电话等方式向客户提供理赔流程、理赔时效、理赔文件要求等信息，包括但不限于：（1）理赔服务的咨询电话等信息；（2）理赔报案、申请办理渠道、所需材料清单以及服务时效承诺；（3）理赔进度、处理依据、处理结果以及理赔金额计算方法等信息。保险公司应当在产品或服务合约中，提供投诉电话或其他投诉渠道信息。
Information to be disclosed for claims handling. Insurance companies should provide customers with information, such as the claims handling process, claim payment period, and documents required for filing claims, through their official websites, Apps, public service accounts, customer service hotlines, etc., including but not limited to: (1) telephone number of claim services; (2) claim filing and application channel, list of required materials and promised service time limit; and (3) progress, basis and results of claim payment and calculation method of claim payment amount. Insurance companies should, in the product or service contracts, provide the telephone numbers or other complaint channel information.
应披露的停售信息。保险公司决定停止销售保险产品的，应当自作出停售的决定后10个工作日内，披露停售产品名称、停止销售的时间、停止销售的原因，以及后续服务措施等相关信息。保险公司应在官方网站披露前述产品信息。
Information to be disclosed for sales suspension. Insurance companies should, within ten working days after deciding to suspend sales of certain insurance products, disclose the name of such products, the date of and reason for such suspension and follow-up services and other relevant information. Insurance companies should disclose the aforesaid information on their official websites.
转保一年期以上产品的额外告知。对购买一年期以上的人身保险产品且有转保需求的客户，保险公司应确认客户知悉：（1）客户需承担退保或保单失效而产生的利益损失；（2）可能因年龄、健康状况等变化导致转保后新产品保障范围的调整；（3）可能因年龄、健康状况、职业等变化导致转保后相关费用的调整；（4）转保后产品的保险责任、责任免除、保单利益等产品信息；（5）转保后新的产品中的等待期等期限或需重新计算。
Additional notification for the transfer of insurance policies with 1-year or longer terms. Insurance companies should ensure that customers who have purchased life insurance products with 1-year or longer terms and need to switch to other insurance products are made aware: (1) customers will be responsible for the benefit losses arising from policy surrender or invalidation; (2) possible adjustment of coverage of the new product after the switch due to changes in age, health, etc.; (3) possible adjustment of relevant expenses after the switch due to changes in age, health, occupation, etc.; (4) insurance liability, exclusion, policy benefits and other information of the new insurance product after the switch; and (5) the term of the new product may be recalculated after the switch.
信息披露管理。保险公司应建立产品信息披露内部管理办法，指定公司高级管理人员负责管理产品信息披露事务。信息披露材料应当由保险公司总公司统一负责管理。经总公司批准，省级分公司可设计或修改信息披露材料，除此之外，其他保险公司分支机构、保险销售人员、保险中介机构及其从业人员不得修改信息披露材料。保险公司应当建立客户信息保护机制。
Information disclosure management. Insurance companies should formulate internal administrative measures for product information disclosure and designate their senior management personnel to take charge of product information disclosure affairs. The headquarters of insurance companies should be responsible for uniformly managing disclosure materials; upon authorization by the headquarters, provincial branches can design or revise disclosure materials. Any other branches of insurance companies, insurance salespersons, insurance intermediaries or their practitioners should not revise disclosure materials of insurance products. Insurance companies should establish customer information protection systems.
监管措施。银保监会及其派出机构通过采取包括但不限于非现场监管、现场检查、举报调查等手段，监管谈话、责令限期整改、下发风险提示函等监管措施，督促保险机构落实产品信息披露的各项要求。
Regulatory measures. CBIRC and its local offices should supervise insurance institutions’ compliance with various product information disclosure requirements by adopting regulatory measures including without limitation off-site supervision, on-site inspection, whistleblowing investigation, regulatory conversation, rectification order with a specified time limit, and risk reminder letter.
行政处罚。保险机构有下列行为之一的，由银保监会及其派出机构按照《保险法》等予以处罚：（1）未按照新办法规定披露产品信息且限期未改正；（2）编制或者提供虚假信息；（3）拒绝或者妨碍监督检查。保险机构未按照新办法规定设计、修改、使用产品信息披露材料的，由银保监会责令限期改正；逾期不改正的，银保监会可对保险机构处以一万元以上十万元以下的罚款，对其直接负责的主管人员和其他直接责任人员给予警告，并处一万元以上十万元以下的罚款。
Administrative penalties. CBIRC and its local offices should impose penalties in accordance with the PRC Insurance Law and etc. on insurance institutions that: (1) fail to disclose product information pursuant to the provisions of the new measures and fail to rectify within a specific time limit; (2) prepare or provide false information; or (3) refuse or hinder supervision and inspection. If any insurance institution fails to design, revise or use product information disclosure materials in accordance with the new measures, CBIRC should require it to rectify within a specific time limit; if it fails to rectify within such time limit, CBIRC may impose a fine ranging from RMB10,000 to RMB100,000 on such insurance institution, give a warning to the person(s) directly in charge and other directly responsible persons, and impose a fine ranging from RMB10,000 to RMB100,000 on such persons.
3、绿色保险业务统计制度的通知
Notice on the Statistical Rules for Green Insurance Business
根据《银行业保险业绿色金融指引的通知》（银保监发〔2022〕15号）等文件要求，2022年11月10日，中国银保监会发布《绿色保险业务统计制度的通知》。
According to the requirements of the Notice on the Guidelines for Green Finance in the Banking and Insurance Industries (Yin Bao Jian Fa〔2022〕No. 15) and other documents, on November 10, 2022, CBIRC published the Notice on the Statistical Rules for Green Insurance Business.
根据《通知》，绿色保险是指保险业在环境资源保护与社会治理、绿色产业运行和绿色生活消费等方面提供风险保障和资金支持等经济行为的统称。负债端包括保险机构围绕绿色低碳、可持续发展提供的保险产品和服务；资产端包括保险资金在绿色产业进行的投资。《统计制度》仅统计绿色保险负债端业务。
According to the Statistical Rules, green insurance is a general term for the economic activities in the insurance industry that provide risk protection and funding support in respect of environmental and resource protection, social governance, green industry operation and green lifestyle consumption, etc. On the liability end are those insurance products and services provided by insurance institutions that center around green, low-carbon and sustainable development, and on the asset end are those investments of insurance funds in green industries. The Statistical Rules only include the liability end of green insurance business within the statistical scope.
根据《通知》，各保险公司应于2022年12月起按月开展试报送，试报送阶段报送《绿色保险业务统计表》的全国数据。自2023年7月起，各公司正式报送《绿色保险业务统计表》的全国及各省（自治区、直辖市、计划单列市）数据。各保险公司要加强绿色保险能力建设，强化绿色保险业务数据治理，优化信息系统建设，建立健全对绿色保险产品、绿色产业客户和绿色保险标的的识别及管理机制。自2023年1月起各公司应对服务绿色产业客户的保险业务进行标识。各公司应明确绿色保险业务统计工作归口部门和责任人，并指定一名联系人。
According to the Statistical Rules, from December 2022 through June 2023, each insurance company should each month submit, on a trial basis, the nationwide data required by the Green Insurance Business Statistics Table attached to the Statistical Rules. Starting from July 2023, each insurance company should each month submit, on a formal basis, both the nationwide and the respective provincial (provinces, autonomous regions, municipalities directly under the Chinese central government, and municipalities with independent planning status) data required by the Green Insurance Business Statistics Table. Insurance companies should strengthen green insurance capability building, enhance green insurance business data governance, improve IT system construction, and establish a mechanism for identifying and managing green insurance products, green industry customers and green insurance subject matters. Starting from January 2023, each insurance company should separately identify the insurance business that serves green industry customers. Each insurance company should specify the responsible department and responsible person for green insurance business statistics, and designate a contact person.
根据《绿色保险业务统计表》，绿色保险统计内容分为三个部分：（1）环境、社会、治理风险（ESG）风险保险业务，具体包括气候变化风险类保险（巨灾保险、碳保险等）、环境风险类保险（环境污染责任保险、船舶污染责任保险等）、社会治理风险类保险（安全生产责任保险）等；（2）绿色产业保险业务，具体包括生态环境产业（生态农业、生态保护和生态修复）、清洁能源（太阳能产业、风能产业、水力发电产业、核能产业等）、基础设施绿色升级（建筑节能与绿色建筑、绿色交通、园林绿化、环境能源基础设施）、节能环保产业、清洁生产产业、绿色服务等。绿色产业分类标准参照《绿色产业指导目录（2019年版）》《节能环保清洁产业统计分类（2021）》《国民经济行业分类（GB/T4754-2017）》等国家标准执行；（3）绿色生活保险业务，具体包括新能源汽车保险、非机动车保险等。
According to the Green Insurance Business Statistics Table, the statistical scope of green insurance is divided into three parts: (1) ESG insurance, covering climate change risk (catastrophe insurance, carbon insurance, etc.), environmental risk (environmental pollution liability insurance, vessel pollution liability insurance, etc.), social governance risk (production safety liability insurance), etc.; (2) green industry insurance, covering ecological environment industries (ecological agriculture, ecological protection and ecological restoration), clean energy (solar, wind, hydropower, nuclear, etc.), green upgrading of infrastructure (building energy conservation and green buildings, green transportation, landscaping, environmental energy infrastructure), energy conservation and environmental protection industry, clean production industry, green services, etc. The classification of green industries should be implemented in accordance with relevant national standards such as the Guiding Catalogue of Green Industry (2019), the Statistical Classification of Energy Conservation, Environmental Protection and Clean Industry (2021), and the Industrial Classification of National Economic Activities (GB/T4754-2017); (3) green lifestyle insurance, including new energy vehicle insurance, non-motor vehicle insurance, etc.
4、商业银行和理财公司个人养老金业务管理暂行办法
Administrative Measures on Personal Pension Business of Commercial Banks and Wealth Management Companies
2022年11月17日，银保监会发布《商业银行和理财公司个人养老金业务管理暂行办法》（“《办法》”），同日生效。根据银保监会发布《办法》的通知，截至2022年三季度末，一级资本净额超过1000亿元、主要审慎监管指标符合监管规定的全国性商业银行和具有较强跨区域服务能力的城市商业银行，可以开办个人养老金业务。截至2022年三季度末已纳入养老理财产品试点范围的理财公司，可以开办个人养老金业务。
On November 17, 2022, CBIRC promulgated the Administrative Measures on Personal Pension Business of Commercial Banks and Wealth Management Companies (the “Measures”), effective immediately. According to the Notice of CBIRC on the promulgation of the Measures, as of the end of the third quarter of 2022, national commercial banks whose net tier-1 capital exceed RMB100 billion and whose main prudential regulatory indicators were in compliance with regulatory requirements and city commercial banks with relatively strong cross-regional service capabilities can launch personal pension business. As of the end of the third quarter of 2022, wealth management companies that have been included within the scope of the pension wealth management product pilot project can launch personal pension business. Commercial banks and wealth management companies should fulfill their responsibilities, complete business preparations as soon as possible, and ensure that system establishment, staffing, and system integration meet the needs of personal pension business.
个人养老金业务及产品。《办法》所规定的个人养老金业务，是指商业银行和理财公司按照国家有关规定开展的，市场化运营，政府提供政策支持，实现养老保险补充功能的业务。《办法》所规定的个人养老金产品，是指符合金融监管机构要求，运作安全、成熟稳定、标的规范、侧重长期保值的金融产品，包括个人养老储蓄、个人养老金理财产品、个人养老金保险产品、个人养老金公募基金产品等。
Personal pension business and products. Personal pension business as defined in the Measures refers to the market-oriented, government-supported pension business that is carried out by commercial banks and wealth management companies in accordance with relevant regulations, and intended to supplement the functions of the national pension scheme. Personal pension products as defined in the Measures refer to the financial products that meet the requirements of financial regulators, operate in a safe, mature and stable manner, with standardized underlying assets and with a focus on long-term value preservation, including personal pension savings, personal pension wealth management products, personal pension insurance products, personal pension mutual fund products, etc.
商业银行个人养老金业务范围。商业银行个人养老金业务包括：（1）资金账户业务；（2）个人养老储蓄业务；（3）个人养老金产品代销业务，包括代销个人养老金理财产品、个人养老金保险产品、个人养老金公募基金产品等，国务院金融监管机构另有规定的除外；（4）个人养老金咨询业务；（5）银保监会规定的其他个人养老金业务。
Scope of personal pension business of commercial banks. Personal pension business of commercial banks includes: (1) account services; (2) personal pension savings services; (3) sales agency of personal pension products, including sales agency of personal pension wealth management products, personal pension insurance products and personal pension mutual fund products, unless otherwise provided by the financial regulators of the Chinese central government; (4) personal pension consulting services; and (5) other personal pension services as provided by CBIRC.
系统对接及方案报送。开办个人养老金业务的商业银行应当建立个人养老金业务管理系统，与人社信息平台、银保行业平台、理财行业平台对接，取得验收合格意见或符合相关要求。理财公司应当按照《办法》要求制定开办个人养老金业务方案，对拟参与个人养老金运行的理财产品开展可行性评估，并将业务方案报送银保监会。
System docking and plan reporting. Commercial banks launching personal pension business should establish a personal pension business management system, which should be docked with the human resources and social security platform, the banking and insurance industry platform and the wealth management industry platform, and should pass an acceptance inspection or meet the relevant requirements. Wealth management companies should, in accordance with the requirements of the Measures, formulate plans for launching personal pension business, conduct a feasibility assessment of the wealth management products to be included in personal pension business, and report the business plans to CBIRC.
信息报送。商业银行、理财公司应当在正式开办个人养老金业务后10日内向其直接监管责任单位报告制度建设、人员配备、系统对接、产品管理等情况。个人养老储蓄、个人养老金保险产品的信息交互和数据交换通过银保行业平台进行。个人养老金理财产品信息交互和数据交换通过理财行业平台进行。商业银行为参加人开立资金账户后，应当及时将以下信息报送至银保行业平台：（1）个人基本信息，包括个人身份信息、资金账户信息等；（2）产品投资信息，包括产品交易信息、资产信息等；（3）资金信息，包括缴费信息、资金划转信息、相关资产转移信息、领取信息、资金余额信息、缴纳个人所得税信息等。涉及个人养老金理财产品的，商业银行或理财公司应当及时将以下信息报送至理财行业平台：（1）由商业银行和直接销售个人养老金理财产品的理财公司报送个人基本信息；（2）由商业银行报送资金信息，包括缴费信息、资金划转信息、相关资产转移信息、领取信息、资金余额信息、缴纳个人所得税信息等；（3）由提供托管服务的商业银行报送产品托管信息；（4）由理财公司报送产品投资信息，包括产品交易信息、资产信息、投资者交易明细和持仓情况等。
Information filing. Commercial banks and wealth management companies should report the rule establishment, staffing, system docking, product management, etc. to their direct regulators within 10 days after the personal pension business is officially launched. CBIRC and its local offices should continuously monitor the operation and risk status of the personal pension business, and cause commercial banks and wealth management companies to carry out the personal pension business in a safe and orderly manner. The information interaction and data exchange of the personal pension savings and the personal pension insurance products should be conducted through the banking and insurance industrial platform. The information interaction and data exchange of personal pension wealth management products should be conducted through the wealth management industrial platform. Commercial banks should timely file the following information with the banking and insurance industrial platform after opening accounts for buyers: (1) basic personal information, including personal identity and account information, etc.; (2) product investment information, including product transaction and asset information; (3) funds information, including payment of fees, funds transfer, transfer and receipt of relevant assets, the balance of funds and payment of individual income tax. Commercial banks or wealth management companies should timely file the following information involving personal pension wealth management products with the wealth management industrial platform: (1) basic personal information to be filed by commercial banks and wealth management companies that directly sell personal pension wealth management products; (2) funds information to be filed by commercial banks, including payment of fees, funds transfer, transfer and receipt of relevant assets, the balance of funds and payment of individual income tax, etc.; and (3) product custody information to be filed by commercial banks that provide custody services; and (4) product investment information to be filed by wealth management companies, including product transactions, asset, investors’ transaction details, positions, etc.
5、企业集团财务公司管理办法
Administrative Measures for Finance Companies of Enterprise Groups
2022年10月13日，银保监会发布修订后的《企业集团财务公司管理办法》（“《办法》”），自2022年11月13日起实施。
On October 13, 2022， CBIRC promulgated the amended Administrative Measures for Finance Companies of Enterprise Groups (the “Measures”), which came into force on November 13, 2022.
财务公司的定义。财务公司是以加强企业集团资金集中管理和提高企业集团资金使用效率为目的，为企业集团成员单位（以下简称“成员单位”）提供金融服务的非银行金融机构。《办法》规定，外资跨国集团或外资投资性公司为其在中国境内的成员单位提供金融服务而设立的外资财务公司适用本办法的相关规定。
Definition of finance company. A finance company as defined in the Measures refers to a non-banking institution that provides financial services to members of an enterprise group (the “members”) for the purpose of strengthening the centralized management of the enterprise group’s funds and improving the efficiency of the enterprise group’s fund usage. The Measures provide that the relevant provisions of the Measures will apply to the establishment of a foreign-invested finance company by a multinational enterprise group registered outside of China or a foreign-invested investment company registered in China for the purpose of providing financial services to their members in China.
财务公司的设立及变更。《办法》要求，财务公司的设立应当报经银保监会批准。一家企业集团只能设立一家财务公司。《办法》还规定了所设立的财务公司应当具备的条件，申请设立财务公司的企业集团应当具备的条件，外资跨国集团设立财务公司的条件，成员单位作为财务公司出资人应当具备的条件，成员单位以外的投资者作为财务公司出资人应当具备的条件，以及不得作为财务公司的出资人的情形。此外，《办法》还规定了财务公司须经银保监会或其派出机构批准的变更事项。
Establishment and changes of finance companies. The Measures provide that the establishment of a finance company should be subject to CBIRC approval. An enterprise group can only establish one finance company. The Measures set out the various detailed conditions and qualifications that should be met for the finance company itself, and for an enterprise group to establish a finance company, for an overseas multinational group to establish a finance company, for the members to invest in a finance company and for the non-member investors to invest in a finance company, and also the circumstances under which the relevant entities are disqualified for investing in a finance company. The Measures also set out the various changes to finance companies that will be subject to approval by CBIRC or its local offices.
根据《办法》，财务注册资本为一次性实缴货币资本，最低限额为10亿元人民币或等值的可自由兑换货币。财务公司的出资人主要应为企业集团成员单位，成员单位以外的单个投资者及其关联方（非成员单位）向财务公司投资入股比例不得超过20%。《办法》对作为投资人的企业集团规定了一系列资质条件，例如，最近1个会计年度末总资产不低于300亿元人民币，净资产不低于总资产的30%，最近2个会计年度营业收入总额每年不低于200亿元人民币，税前利润总额每年不低于10亿元人民币，最近2个会计年度末的货币资金余额不低于50亿元人民币，权益性投资余额原则上不得超过本企业净资产的50%，正常经营的成员单位数量不低于50家，母公司最近1个会计年度末的实收资本不低于50亿元人民币。
According to the Measures, a finance company should have at least RMB1 billion of registered capital, which must be fully-paid in cash. The shareholders of a finance company should mainly be the members of the enterprise group, and a single non-member investor and its affiliated parties should not own more than 20% of the finance company. The Measures set out various qualification requirements for an enterprise group to establish a finance company, including for example, having total assets of no less than RMB30 billion, net assets of no less than 30% of total assets, as of last year end; having revenues of no less than RMB20 billion and pre-tax profits of no less than RMB1 billion during each of last two years; having monetary funds of no less than RMB5 billion as of each of the last two year ends; having equity investments of no more than 50% of its net assets; having no less than 50 members operating normally; and having paid-in capital of no less than RMB5 billion as of last year end.
财务公司的业务范围。财务公司可以从事成员单位的存款、贷款、票据贴现、资金结算与收付，以及向成员单位提供委托贷款、债券承销、非融资性保函、财务顾问、信用鉴证及咨询代理业务。经银保监会批准，财务公司可以从事同业拆借、办理成员单位票据承兑、成员单位产品买方信贷和消费信贷、从事固定收益类有价证券投资以及从事套期保值类衍生产品交易等业务。
Business scope of finance companies. Finance companies can conduct the following business: handling deposits, loans, bill discounting, fund settlement and payment for their members, and providing entrusted loans, bond underwriting, non-financing guarantees, financial consulting, credit verification and consulting agency services to members. Subject to CBIRC approval, finance companies can engage in inter-bank lending, bill acceptance for members, buyer credit and consumer credit for members’ products, fixed-income securities investment, and hedging derivative transactions.
其他内容。《办法》还对财务公司的公司治理、监督管理、风险处置和市场退出等作出了规定。
Other provisions. The Measures also include provisions on finance companies’ corporate governance, supervision, risk resolution, market exit and etc.
6、财产保险灾害事故分级处置办法
Measures for Leveled Response to Property Insurance Disasters and Accidents
2022年10月28日，银保监会发布了《财产保险灾害事故分级处置办法》（“《办法》”），自发布之日起实施。
On October 28, 2022, CBIRC promulgated the Measures for Leveled Response to Property Insurance Disasters and Accidents (the “Measures”), effective immediately.
财产保险灾害事故的等级划分。（1） 特别重大财产保险灾害事故, 包括因自然灾害或事故灾难造成或可能造成财产保险损失赔付10亿元以上或人身伤亡赔付2000万元以上或被保险人死亡30人以上或对财险公司业务产生特别重大影响的事故等。（2） 重大财产保险灾害事故，包括因前述灾害事故造成或可能造成财产保险损失赔付5000万元以上、低于10亿元或人身伤亡赔付1000万元以上、低于2000万元或被保险人死亡10人以上、低于30人或对财险公司业务产生重大影响的事故等。（3）较大财产保险灾害事故，包括因前述灾害事故造成或可能造成财产保险损失赔付1000万元以上、低于5000万元或人身伤亡赔付500万元以上、低于1000万元或被保险人死亡5人以上、低于10人或对财险公司业务产生较大影响的事故等。
Severity levels of property insurance disasters and accidents. (1) Extraordinary property insurance disasters and accidents: including natural disasters or accidents that cause or may cause a P&C insurance indemnity payment of no less than RMB1 billion, a personal injury or death compensation of no less than RMB20 million or the death of no less than 30 insureds, or that otherwise have a particularly significant impact on the business of the P&C insurance company. (2) Major property insurance disasters and accidents: including natural disasters or accidents that cause or may cause a P&C insurance indemnity payment of RMB50 million or more but less than RMB1 billion, a personal injury or death compensation of RMB10 million or more but less than RMB20 million, or the death of 10 or more but less than 30 insureds, or that otherwise have a significant impact on the business of the P&C insurance company. (3) Relatively major property insurance disasters and accidents: including natural disasters or accidents that cause or may cause a P&C insurance indemnity payment of RMB10 million or more but less than RMB50 million, a personal injury or death compensation of RMB5 million or more but less than RMB10 million, or the death of 5 or more but less than 10 insureds, or that otherwise have a relatively significant impact on the business of the P&C insurance company.
财产保险灾害事故的分级处置措施。特别重大财产保险灾害事故启动Ⅰ级响应，由银保监会强化统筹指导、加强上下联动和落实报告制度。重大财产保险灾害事故、较大财产保险灾害事故分别启动Ⅱ级、Ⅲ级响应。在Ⅰ、Ⅱ、Ⅲ级响应中，相关银保监局及分局应当落实属地管理责任，立即启动响应、积极应对处置、迅速开展摸排、优化理赔服务并落实报告制度。
Leveled response to insurance disasters and accidents. Level I response will be initiated for extraordinary property insurance disasters and accidents, with CBIRC providing enhanced coordination and guidance, strengthening top-down and bottom-up interactions and implementing the reporting system. Level II and Level III responses will be initiated for major and relatively major property insurance disasters and accidents, respectively. In Level I, II and III responses, the relevant CBIRC branches and sub-branches should assume the responsibility for local supervision, initiate and handle responses promptly and actively, conduct investigation and screening promptly, optimize claims handling services and implement the reporting system.
财险公司的义务。（1）财险公司应当建立健全灾害处置机制，细化事前防范预警、事中应对处置、事后服务保障措施；总公司应当视情况派出工作组进行现场指导支援。（2）财险公司应当及时向投保单位和被保险人发布防灾提醒，必要时对重点区域和标的展开事前风险隐患排查；适时展开灾害事故处置应对演练。（3）财险公司应当建立财产保险灾害事故处置联络工作机制，明确各级责任人员及联系方式，重要岗位应设置AB角，确保紧急状态下不空岗。（4）对各级响应，财产保险公司应当成立灾害事故处置工作小组，统筹调配理赔资源；鼓励财险公司结合实际为抢险救援提供人力、物资等方面的支持；应当开通理赔绿色通道、简化理赔流程、减免理赔材料，积极运用科技手段进行查勘工作；如有大额赔付，需做好资金准备，结合实际采取预付赔款等方式，做到应赔尽赔快赔等。
Obligations of P&C insurance companies.
(1) P&C insurance companies should establish and improve their disaster response and resolution mechanisms, detailing measures for ex-ante prevention and early warning, in-process response and resolution, and ex-post service support. The head office of the P&C insurance company should dispatch working groups to provide on-site guidance and support if needed. (2) P&C insurance companies should timely publish disaster prevention reminders to their policyholders and insureds, conduct ex-ante risk screening on key areas and insured subjects when necessary, and conduct necessary drills of disaster response and resolution. (3) P&C insurance companies should establish a working communication mechanism for property insurance disaster response, and specify responsible persons at all levels and their contact information, with alternate roles available for important posts to ensure no vacancy exists in case of emergencies. (4) For each level of response, P&C insurance companies should form a disaster response working team, responsible for coordinating and allocating claims handling resources. P&C insurance companies are encouraged to provide manpower, materials and other support for emergency rescue and relief work based on their actual situations. P&C insurance companies should open green channels, simplify procedures, and lessen documentation requirements for claims handling, and should actively adopt technological measures in loss assessment. If a large amount of insurance indemnity is necessary, P&C insurance companies should make the funds readily available, and make advance payments or otherwise achieve a full and past payment of insurance indemnity in light of their actual circumstances.
