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| PROVISIONAL REGULATIONS GOVERNING THE ADMINISTRATION OF INSURANCE ENTERPRISES | | 保险企业管理暂行条例 |
(Promulgated on March 3, 1985 by the State Council) | |
（一九八五年三月三日国务院发布） |
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| CHAPTER I GENERAL PROVISIONS | | 第一章 总 则 |
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| Article 1. These Regulations have been formulated to strengthen the State's management of insurance enterprises, to promote the development of the insurance industry, to protect the interests of insured parties (called the "insured person" in insurance forms and certificates), to allow full use of insurance for economic compensation, and to benefit socialist modernisation and the security of the people's livelihood. | | 第一条 为了加强国家对保险企业的管理，促进保险事业的发展，维护被保险方（在保险单或保险凭证中称被保险人）的利益，发挥保险的经济补偿作用，以利于社会主义现代化建设和人民生活的安定，特制定本条例。 |
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| Article 2. These Regulations apply to all enterprises which operate any type of insurance business. | | 第二条 本条例适用于经营各种保险业务的企业。 |
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| Article 3. All State, co-operative and individual assets within China which require insurance must be insured with an insurance enterprise within China. | | 第三条 凡在中华人民共和国境内的国家、集体和个人的财产如需保险，应向中国境内的保险企业投保。 |
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| Article 4. The People's Bank of China shall be the State body in charge of insurance management. | | 第四条 国家保险管理机关是中国人民银行。 |
The responsibilities of the State's body in charge of insurance management are: to formulate insurance industry policy and guidelines; to approve the establishment of insurance enterprises; to direct and supervise the business activities of insurance enterprises; to examine and decide on basic insurance clauses and insurance rates; to examine the accounting books and statements of insurance enterprises; and to levy economic penalties including ordering a cessation of business on those insurance enterprises which during their operation take actions which violate the State's laws, regulations and policies, or harm the legal interests of insured parties. | |
国家保险管理机关的职责是：拟定保险事业的方针、政策，批准保险企业的设立，指导、监督保险企业的业务活动，审定基本保险条款和保险费率，检查保险企业的会计帐册和报表单据，并对保险企业在经营业务中违反国家法律、法规、政策、或者损害被保险方的合法利益的行为，给予经济制裁，直至责令其停业。 |
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| Article 5. The State encourages insurance enterprises to develop rural business and to provide insurance services for the peasants. Insurance enterprises must support peasants in establishing, on a voluntary basis, mutual help insurance co-operatives. The scope of business of these and their management methods shall be determined separately. | | 第五条 国家鼓励保险企业发展农村业务，为农民提供保险服务。保险企业应支持农民在自愿的基础上集股设立农村互助保险合作社，其业务范围和管理办法另行制定。 |
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| CHAPTER II THE ESTABLISHMENT OF INSURANCE ENTERPRISES | | 第二章 保险企业的设立 |
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| Article 6. The establishment of insurance enterprises and the operation of insurance business must be approved by the State body in charge of insurance management, and application for a business licence must be made to the Administration for Industry and Commerce. The State body in charge of insurance management and the Administration for Industry and Commerce shall investigate and handle cases of insurance enterprises operating without a business licence. | | 第六条 设立保险企业，经营保险业务，必须得到国家保险管理机关的批准并向工商行政管理机关申请营业执照。无营业执照擅自经营保险业务的，由国家保险管理机关会同工商行政管理机关予以查处。 |
When applying to the State body in charge of insurance management to establish an insurance enterprise the applicant shall provide the following documents: | |
申请设立保险企业应向国家保险管理机关提交下列文件： |
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| (1) The articles of association of the enterprise (which must state clearly: the enterprise name, the types of business operation, source of funds, the organizational structure); | | （一） 企业章程（必须订明：企业名称、经营业务种类、资金来源、组织机构）； |
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| (2) Proof of sufficient capital funds; | | （二） 收足资本金额的证明； |
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| (3) List of names of senior people in the enterprise. | | （三） 企业领导人名单。 |
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| Article 7. Any alteration to the articles of association of the insurance enterprise or of its capital funds or in its senior personnel must be approved by the State body in charge of insurance management. | | 第七条 保险企业章程、资本金额及领导人的变更须经国家保险管理机关批准。 |
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| Article 8. The capital funds which must be held by insurance enterprises are: | | 第八条 保险企业必须具备的资本金额为： |
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| (1) Insurance enterprises offering personal insurance shall have actual cash capital of not less than RMB 20 million; | | （一） 经营人身保险业务的保险企业，其实收现金资本不得少于人民币二千万元; |
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| (2) Insurance enterprises offering insurance in areas other than personal shall have actual cash capital of not less than RMB 30 million; | | （二） 经营人身保险业务以外的各种保险业务的保险企业，其实收现金资本不得少于人民币三千万元； |
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(3) Insurance enterprises offering the two types of insurance mentioned in 1 and 2 above shall have actual cash capital of not less than RMB 50 million.
．．．．．． | | （三） 同时经营本条 （一）、（二） 两项保险业务的企业，其实收现金资本不得少于人民币五千万元。
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