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Notice of the Ministry of Commerce and the China Insurance Regulatory Commission on Regulating the Business of Single-purpose Commercial Prepaid Card Performance Guarantee Insurance | | 商务部、中国保险监督管理委员会关于规范单用途商业预付卡履约保证保险业务的通知 |
| (Letter No. 881 [2013] of the Ministry of Commerce) | | （商秩函[2013]881号） |
| The competent departments of commerce of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning and Xinjiang Production and Construction Corps; the local CIRC offices in all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; all property insurance companies; and the Insurance Association of China: | | 各省、自治区、直辖市、计划单列市及新疆生产建设兵团商务主管部门，各省、自治区、直辖市、计划单列市保监局，各财产保险公司，中国保险行业协会： |
| In order to further regulate the business of single-purpose commercial prepaid card performance guarantee insurance, and promote the sound development of the prepaid card market, you are hereby notified of relevant issues as follows: | | 为进一步规范单用途商业预付卡履约保证保险业务，促进预付卡市场健康发展，现就有关事项通知如下： |
| I. Strengthening the compliance review | | 一、加强合规性审查 |
| To carry out the business of prepaid card performance guarantee insurance, a property insurance company shall meet the following conditions: | | 开展预付卡履约保证保险业务的财产保险公司应当具备以下条件： |
| (1) Its average net assets by the end of the recent three years are not less than RMB 2 billion yuan. | | （一）近三年末平均净资产不低于人民币20亿元； |
| (2) Its solvency adequacy ratio by the end of the previous year and in the latest four quarters is not less than 150%. | | （二）上一年度末及最近四个季度偿付能力充足率不低于150%； |
| (3) It has service network covering more than half of the provincial capital cities of the country and has three or more years of experience in guarantee insurance business. | | （三）拥有覆盖全国一半以上省会城市的服务网络以及三年以上从事保证保险业务的经验； |
| (4) It has sound business management and risk control rules for the single-purpose commercial prepaid card performance guarantee insurance, and underwriting and claim settlement systems commensurate with its business scale. | | （四）拥有完善的单用途商业预付卡履约保证保险业务管理、风险控制制度，以及与业务规模相适应的核保系统和理赔系统。 |
| Insurance companies meeting the above conditions shall, when submitting the product-related materials to the CIRC, provide their qualification explanatory materials. Insurance companies that have carried out the business before the issuance of this Notice are allowed to continue to execute the existing policies until the expiry of the insurance period. | | 符合以上条件的保险公司在向保监会报送产品相关材料的同时，应提供资质说明材料。本通知发布前已开展业务的保险公司可继续执行原有保单至保险期限届满时止。 |
| II. Implementing model clauses | | 二、推行示范性条款 |
For the single-purpose commercial prepaid card performance guarantee insurance products, the Insurance Association of China shall, in accordance with the Measures for the Administration of Single-purpose Commercial Prepaid Cards (for Trial Implementation) and the relevant business requirements of the Ministry of Commerce, organize the industry to develop model clauses to specify main contents such as insurance liabilities, insurance amount, insurance period, insurance proportion, claim processing, and liability exemption for reference by insurance companies.
．．．．．． | | 单用途商业预付卡履约保证保险产品由中国保险行业协会结合《单用途商业预付卡管理办法（试行）》和商务部有关业务要求，组织行业制订示范性条款，明确保险责任、保险金额、保险期限、投保比例、赔付处理、责任免除等主要内容，供保险公司参照使用。
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