| Letter of the General Office of the China Insurance Regulatory Commission on Requesting Public Comments on the Measures for the Supervision of Insurance Asset and Liability Management (Consultation Paper) | | 中国保监会办公厅关于征求《保险资产负债管理监管办法（征求意见稿）》意见的函 |
| (Letter No. 446 [2017] of the General Office of the China Insurance Regulatory Commission) | | （保监厅函〔2017〕446号） |
| All local offices of the China Insurance Regulatory Commission (“CIRC”); and all insurance group (holding) companies, insurance companies, insurance asset management companies and mutual insurance companies: | | 各保监局，各保险集团（控股）公司、保险公司、保险资产管理公司、相互保险公司： |
| For the purposes of implementing the spirit of the National Financial Work Conference and the requirements of the “1 + 4” series of documents of the CIRC, further preventing the asset-liability mismatch risk in the insurance industry, strengthening the supervision of the asset and liability management, and enhancing the capacity of insurance companies for asset and liability management, the CIRC has developed the Measures for the Supervision of Insurance Asset and Liability Management (Consultation Paper) and hereby requests the comments of all entities. Please send your written comments by e-mail to the CIRC before December 31, 2017 (e-mail: alm@circ.gov.cn. ). | | 为贯彻落实全国金融工作会议精神和保监会“1＋4”系列文件要求，进一步防范保险业资产负债错配风险，加强资产负债管理监管，提升保险公司资产负债管理能力，我会制定了《保险资产负债管理监管办法（征求意见稿）》，现征求各单位意见。请于2017年12月31日前将书面意见通过电子邮件的形式反馈我会（电子邮箱：alm@circ.gov.cn）。 |
| Contact persons: Yu Cheng and Yao Jianting | | 联 系 人：余诚 姚健婷 |
| Contact number: 010-66288832 | | 联系电话：010－66288832 |
| Annex: Measures for the Supervision of Insurance Asset and Liability Management (Consultation Paper) | | 附件：保险资产负债管理监管办法（征求意见稿） |
| General Office of the China Insurance Regulatory Commission | | 中国保监会办公厅 |
| December 11, 2017 | | 2017年12月11日 |
| Annex: | | 附件 |
| Measures for the Supervision of Insurance Asset and Liability Management | | 保险资产负债管理监管办法 |
| (Consultation Paper) | | （征求意见稿） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 (Objectives and basis) For the purposes of further preventing the asset-liability mismatch risk in the insurance industry, strengthening the supervision of the asset and liability management, and enhancing the capacity of insurance companies for asset and liability management, these Measures are developed according to the Insurance Law of the People's Republic of China and other relevant provisions. | | 第一条 （目标与依据）为进一步防范保险业资产负债错配风险，加强资产负债管理监管，提升保险公司资产负债管理能力，根据《中华人民共和国保险法》及有关规定，制定本办法。 |
| Article 2 (Insurance companies) For the purpose of these Measures, “insurance companies” means personal insurance companies and property insurance companies (hereinafter referred to as “insurance companies”) legally formed within the territory of China. | | 第二条 （保险公司）本办法所称保险公司是指于中国境内依法设立的人身保险公司和财产保险公司（以下简称“保险公司”）。 |
| Article 3 (Insurance asset and liability management) For the purpose of these Measures, “insurance asset and liability management” means the process that insurance companies continuously develop, implement, monitor and improve the relevant strategies on assets and liabilities under risk preference and other constraint conditions. | | 第三条 （保险资产负债管理）本办法所称保险资产负债管理，是指保险公司在风险偏好和其他约束条件下，持续对资产和负债相关策略进行制订、执行、监控和完善的过程。 |
| Article 4 (Supporting rules on the supervision of the asset and liability management) The China Insurance Regulatory Commission (“CIRC”) shall develop the supporting rules on the supervision of the asset and liability management according to the law, including the rules on the capacity assessment of the asset and liability management and the rules on the quantitative assessment of the asset and liability management, among others, and the CIRC may, in light of the actual circumstances, adjust the relevant rules. | | 第四条 （资产负债管理监管配套制度）中国保险监督管理委员会（以下简称“中国保监会”）依法建立资产负债管理监管配套制度，包括资产负债管理能力评估规则和资产负债管理量化评估规则等，中国保监会可以根据实际情况对相关规则进行调整。 |
| Article 5 (The Insurance Asset and Liability Management Supervision Committee) The CIRC shall establish the Insurance Asset and Liability Management Supervision Committee, to be responsible for coordinating with the relevant work on the supervision of the asset and liability management, establishing a regular analysis mechanism, examining and finalizing the comprehensive rating results, and developing and implementing the differentiated supervision policies and measures. | | 第五条 （保险资产负债管理监管委员会）中国保监会设立保险资产负债管理监管委员会，负责统筹协调资产负债管理监管相关工作，建立定期分析机制，审定综合评级结果，制定实施差别化的监管政策和措施。 |
| Article 6 (Supervision assessment) The CIRC and its dispatched institutions shall conduct assessment, supervision and inspection of the asset and liability management capability and the asset-liability matching status of insurance companies according to the law. | | 第六条 （监管评估）中国保监会及其派出机构依法对保险公司资产负债管理能力和资产负债匹配状况进行评估和监督检查。 |
| Article 7 (Supervision functions of the dispatched institutions) The dispatched institutions of the CIRC shall fulfill the following asset and liability management supervision functions: | | 第七条 （派出机构监管职责）中国保监会派出机构履行以下资产负债管理监管职责： |
| (1) They shall participate in the supervision assessment of the asset and liability management capacity. | | （一） 参与保险公司资产负债管理能力的监管评估； |
| (2) They shall participate in the off-site inspection and on-site inspection of the authenticity, compliance and completeness of the asset and liability management data of insurance companies. | | （二） 参与对保险公司资产负债管理数据真实性、合规性和完整性等情况的非现场核查和现场检查； |
| (3) Other asset and liability management supervision functions granted by the CIRC. | | （三） 中国保监会授予的其他资产负债管理监管职责。 |
| Chapter II Asset and Liability Management of Insurance Companies | | 第二章 保险公司资产负债管理 |
| Article 8 (Establishment and improvement of the management system) An insurance company shall establish and improve the asset and liability management system, constantly improve the asset and liability management level, monitor the asset-liability matching status in a timely manner, and prevent asset-liability mismatch risk. | | 第八条 （建立健全管理体系）保险公司应当建立健全资产负债管理体系，不断提升资产负债管理水平，及时监测资产负债匹配状况，防范资产负债错配风险。 |
| Article 9 (Data authenticity) Insurance companies shall establish the data management rules and mechanisms for asset and liability management, to ensure the authenticity, compliance and completeness of the basic data of asset-liability management. | | 第九条 （数据真实性）保险公司应当建立资产负债管理数据管理制度和机制，确保资产负债管理基础数据的真实性、合规性和完整性。 |
| Article 10 (Separate account management) Insurance companies shall, according to the characteristics of insurance business and funds, divide “general accounts” and “independent accounts” to conduct asset and liability management and asset allocation management in separate accounts. | | 第十条 （分账户管理）保险公司应当根据保险业务和资金特点，划分“普通账户”和“独立账户”，实行分账户的资产负债管理和资产配置管理。 |
| “General account” means the capital account for which an insurance company assumes investment risk in whole or in part. The capital of an insurance company shall be managed as that in general accounts. | | 普通账户，是指由保险公司部分或全部承担投资风险的资金账户。保险公司资本金参照普通账户管理。 |
| “Independent account” means the capital account that is independent from a general account and in which insurance applicant or beneficiary directly enjoys the total return on investment. | | 独立账户，是指独立于普通账户，由投保人或受益人直接享有全部投资收益的资金账户。 |
| Article 11 (Establishment and improvement of the organizational system) An insurance company shall establish and improve the asset and liability management organizational system, set up an asset and liability management committee under the board of directors (or a committee with corresponding functions) to specify the asset and liability management functions of the board of directors, the asset and liability management committee and the senior management, and set up or designate a leading department for the asset and liability management. | | 第十一条 （建立健全组织体系）保险公司应当建立健全资产负债管理组织体系，在董事会下设立资产负债管理委员会（或具有相应职能的委员会），明确董事会、资产负债管理委员会和高级管理层的资产负债管理职责，成立或指定资产负债管理工作的牵头部门。 |
| Article 12 (Functions of the board of directors) The board of directors of an insurance company shall assume the ultimate responsibility for the asset and liability management, and fulfill the following functions: | | 第十二条 （董事会职责）保险公司董事会对资产负债管理承担最终责任，应当履行以下职责： |
(1) It shall examine and finalize the overall objectives and strategies for the asset and liability management.
．．．．．． | | （一）审定资产负债管理的总体目标和战略；
．．．．．． |
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