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Notice by the General Office of the China Banking and Insurance Regulatory Commission Concerning Conducting Special Self-Inspection of the Credit Insurance and Surety Bond Business [Effective]
中国银保监会办公厅关于开展信用保证保险业务专项自查工作的通知 [现行有效]
【法宝引证码】

Notice by the General Office of the China Banking and Insurance Regulatory Commission Concerning Conducting Special Self-Inspection of the Credit Insurance and Surety Bond Business 

中国银保监会办公厅关于开展信用保证保险业务专项自查工作的通知

(No. 62 [2018] of the General Office of the China Banking and Insurance Regulatory Commission) (银保监办发〔2018〕62号)

All local offices of the China Insurance Regulatory Commission (“CIRC”) and all property insurance companies: 各保监局、各财产保险公司:
For the purposes of implementing important decisions and arrangements of the CPC Central Committee and the State Council for strengthening the financial risk prevention and control, guarding against and defusing risks from credit insurance and guarantee insurance business, strengthening the key responsibilities of insurance companies, and assessing the implementation of the Interim Measures for Regulating the Credit Guarantee Insurance (No. 180 [2017] of the China Insurance Regulatory Commission, hereinafter referred to as the Measures), you are hereby notified of the special self-inspection of the credit guarantee insurance business as follows: 为贯彻落实党中央、国务院关于加强金融风险防控工作的重要决策部署,防范化解信用保险和保证保险业务(以下简称信保业务)风险,强化保险公司主体责任,评估《信用保证保险业务监管暂行办法》(保监财险〔2017〕180号,以下简称《办法》)执行效果,现就组织开展信保业务专项自查工作通知如下:
I. Work objectives   一、工作目标
With strengthening lawful operation, guarding against and defusing risks, and improving internal control management as the overall objective, relevant departments shall, by carrying out special self-inspection, focus on cracking down on insurance companies' violations of laws or regulations, such as failure to strictly implement the requirements of the Measures or attempts to avoid regulation, when conducting credit insurance and guarantee insurance business, so that potential risks can be discovered in a timely manner and credit and guarantee insurance risks can be prevented at their sources to reduce the existing risks, prevent new risks, and achieve the quality and sustainable development of credit insurance and guarantee insurance business. 以强化依法合规经营、防范化解风险、提升内控管理为总体目标,通过开展专项自查,重点整治保险公司在开展信保业务过程中存在的未严格执行《办法》要求、规避监管等违法违规行为,及时发现风险隐患,从源头上遏制信保业务风险,减少存量风险,严防增量风险,实现信用保证保险业务高质量、可持续发展。
II. Major content   二、主要内容
1. Scope of Self-inspection. (一)自查范围。
(1) Scope of self-inspection as prescribed in the Measures: all unearned credit insurance and guarantee insurance business and such business involving outstanding losses whose date of issued policies or date of inception of insurance policies spans from July 11, 2017 to July 10, 2018 (except export credit insurance business). 1.《办法》执行自查范围:签单日期或保险起期在2017年7月11日至2018年7月10日期间的所有未到期及未决赔款信保业务(出口信用保险业务除外,下同)。
(2) Scope of self-inspection for large-sum business: unearned financing credit insurance and guarantee insurance business and such business involving outstanding losses whose single performing obligor premium accounts to 20 million yuan or more during the period from the time of launching credit insurance and guarantee insurance business until July 10, 2018. 2.大额业务自查范围:自信保业务开展以来,至2018年7月10日止,单户履约义务人保险金额2000万元以上(含)的未到期及未决赔款融资性信保业务。
The financing credit insurance and guarantee insurance business shall be defined based on whether the performance contract covered by a policy is a loan contract. 融资性信保业务的界定标准,以保单承保的履约合同是否属于借贷合同为标准。
2. Key contents. (二)重点内容。
Self-inspection focuses on the implementation of the provisions of the Measures, and mainly includes the following: 自查重点为《办法》规定的执行情况,主要包括以下情形:
(1) Whether the credit insurance and guarantee insurance business exceeds the underwriting limits prescribed in Article 6 of the Measures; 1.信保业务是否存在.超过《办法》第六条承保限额的情况;
(2) Whether the credit insurance and guarantee insurance business covers the types of business prohibited by Article 8 of the Measures; 2.信保业务是否承保《办法》第八条所禁止的业务类型;
(3) Whether there is any business activity prohibited by Article 9-12 of the Measures; 3.是否存在《办法》第九条至第十二条所禁止的经营行为;
(4) Whether it is due to weak internal control management that the internal personnel fail to follow the existing operating procedures or regulations, and are faced with operational risks; 4.是否存在因内控管理薄弱导致内部人员未按现有操作流程或规章制度执行,面临操作风险的情况;
(5) Whether unsound risk control systems for organizational structure, personnel structure, system construction, underwriting experience, credit reference connection, data accumulation, and untimely settlement of claims result in excessive risk exposure; 5.是否存在因组织架构、人员结构、系统建设、承保经验、征信对接、数据积累、理赔不及时等风控体系不健全,导致风险敞口过大的情况;
(6) Whether there exist, among others, unearned premium reserves, reserves for outstanding claims that have occurred and have been reported, and reserves for unsettled claims that have occurred but have not been reported (including artificially adjusted reserve data, delayed filing of cases beyond the time limit, inadequately withdrawn outstanding claims that have occurred and have been reported, and other problems);
......
 6.是否存在未按规定提取未到期、已发生已报告未决、已发生未报告未决等相关准备金的情况(包括人为调整准备金数据、超时限延迟立案、未足额提取已发生已报告未决赔款等问题);
......

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