| Notice of the China Insurance Regulatory Commission on Properly Granting Business Licensing to Professional Insurance Intermediaries | | 中国保监会关于做好保险专业中介业务许可工作的通知 |
| (Bao Jian Fa [2016] No.82) | | （保监发〔2016〕82号） |
| To all insurance regulatory bureaus, | | 各保监局： |
| With a view to effectively granting business licensing to insurance professional intermediaries, and promoting the healthy and stable development of the insurance intermediary market, relevant issues are hereby notified as follows: | | 为切实做好保险专业中介业务许可工作，促进保险中介市场健康稳定发展，现将有关事项通知如下： |
| 1. Shareholders shall make capital contribution to professional insurance intermediaries with proprietary, real and lawful funds. | | 一、股东出资自有真实合法 |
| To invest in a professional insurance intermediary, a shareholder shall make capital contribution with proprietary, real and lawful funds, and shall not make investment with bank loans and other forms of non-proprietary funds. To make such an investment, a legal person shareholder shall ensure that its net assets as at the end of the preceding year (or as at the end of the month immediately preceding the date of capital contribution if established less than one year ago) is not negative. | | 股东投资保险专业中介机构，出资资金应自有、真实、合法，不得用银行贷款及其他形式的非自有资金投资。法人股东投资的，其上一年末（设立时间不满一年的，出资日上一月末）净资产应不为负数。 |
| Where it is funded by a legal person shareholder, a professional insurance intermediary that applies for business licensing shall submit the following materials to the relevant insurance regulatory authority: (1) Descriptions on funding sources and relevant supporting evidences; (2) The financial and accounting reports of the legal person shareholder as at the end of the preceding year (or as at the end of the month immediately preceding the date of capital contribution if established less than one year ago); (3) The enterprise's bank account reconciliation statements prior to the date of capital contribution and other materials that serve to prove that the amount of monetary funds held by the enterprise exceeds its capital contribution; and, (4) Other supporting materials required by the insurance regulatory authority. | | 法人股东出资的，申请业务许可的保险专业中介机构应向保险监管部门提交下列材料：（一）出资来源说明及相关证明材料；（二）法人股东上一年末（设立时间不满一年的，出资日上一月末）的财务会计报告；（三）法人股东出资前银行账户对账单等能证明其货币资金大于出资额的材料；（四）保险监管部门要求的其他证明材料。 |
| Where it is funded by a shareholder who is a natural person, a professional insurance intermediary that applies for business licensing shall submit the following materials to the relevant insurance regulatory authority: (1) Descriptions on funding sources and relevant supporting evidences; (2) The shareholder's detailed bank account transaction lists prior to the date of capital contribution and other materials that serve to prove that the amount of monetary funds held by the natural person exceeds his/her capital contribution; (3) Personal credit reports of the shareholder; and, (4) Other supporting materials required by the insurance regulatory authority. | | 自然人股东出资的，申请业务许可的保险专业中介机构应向保险监管部门提交下列材料：（一）出资来源说明及相关证明材料；（二）自然人股东出资前银行账户交易明细清单等能证明其货币资金大于出资额的材料；（三）个人信用报告；（四）保险监管部门要求的其他证明材料。 |
| Where a professional insurance intermediary intends to change its registered capital, shareholders or other matters, its shareholders and capital contribution shall comply with the above requirements. | | 保险专业中介机构变更注册资本、股东等事项的，股东及出资应符合上述要求。 |
| 2. The registered capital of a professional insurance intermediary shall be placed under custody. | | 二、注册资本实施托管 |
| A professional insurance intermediary that applies for licensing for insurance agency or brokerage business shall select one bank from the major commercial banks or joint-stock commercial banks or other banks with the experiences of custody to sign a custody agreement, open a custody account, and deposit the full amount of its registered capital in the custody account. The said intermediary shall also submit the photocopies of the custody agreement when submitting business licensing application materials to the relevant insurance regulatory authority. | | 申请保险代理、经纪业务许可的保险专业中介机构应在大型商业银行或股份制商业银行等具有托管经验的银行中选择1家，签订托管协议，开立托管账户，将全部注册资本存入托管账户。保险专业中介机构在向保险监管部门提交业务许可申请材料时，应一并提交托管协议复印件。 |
A professional insurance intermediary shall not use its registered capital before obtaining the relevant permit. After the said intermediary obtains the permit, its registered capital shall be under continuous custody within the validity period of the permit, and may be used for any of the following purposes: (1) To be used for investing in large agreement deposits or fixed deposits, provided that such funds shall not be less than 10% of the registered capital and shall not be pledged; (2) To be used for real estate purchase, provided that the total expenditure shall not exceed 40% of the registered capital; (3) To be used for fund transfers to its basic account with the relevant bank for daily operations and other expenses that are related to its business and consistent with its business scale; or, (4) To be used for other fund purposes. The registered capital shall not be illegally withdrawn by falsifying creditor-debtor relationships or any other means.
．．．．．． | | 在取得许可证前，保险专业中介机构不得动用注册资本。取得许可证后，注册资本应在许可证有效期间处于持续托管状态，用途如下：（一）投资大额协议存款、定期存款的资金不少于注册资本的10%，且不得质押；（二）购置不动产，支出总额不高于注册资本的40%；（三）向基本户转账，用于与业务相关、经营规模相符的日常运营等开支；（四）其他资金运用。注册资本不得以虚构债权债务关系等任何手段抽逃。
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