| Provisions on the Supervision and Administration of Insurance Adjustment Institutions | | 保险公估机构监管规定 |
| (Issued by Order No. 7 [2009] of the China Insurance Regulatory Commission on September 25, 2009; amended for the first time in accordance with the Decision on Amending the Provisions on the Supervision and Administration of Insurance Adjustment Institutions issued by Order No. 10 [2013] of the China Insurance Regulatory Commission on September 29, 2013; and amended for the second time in accordance with the Decision on Amending Eight Sets of Administrative Rules Including the Measures for the Administration of the Formation of Overseas Insurance Institutions by Insurance Companies issued by Order No. 3 [2015] of the China Insurance Regulatory Commission on October 19, 2015) | | （2009年9月25日中国保险监督管理委员会令2009年第7号发布 根据2013年9月29日中国保险监督管理委员会令2013年第10号《关于修改〈保险公估机构监管规定〉的决定》第一次修订 根据2015年10月19日中国保险监督管理委员会令2015年第3号《关于修改＜保险公司设立境外保险类机构管理办法＞等八部规章的决定》第二次修订） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 To regulate the operations of insurance adjustment institutions, protect the lawful rights and interests of the parties to insurance activities, maintain the market order, and promote the sound development of the insurance sector, these Provisions are developed in accordance with the Insurance Law of the People's Republic of China (hereinafter referred to as the “Insurance Law”) and other laws and administrative regulations. | | 第一条 为了规范保险公估机构的经营行为，保护保险活动当事人的合法权益，维护市场秩序，促进保险业健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）等法律、行政法规，制定本规定。 |
| Article 2 For the purposes of these Provisions, “insurance adjustment institutions” means institutions which specially engage in the assessment, survey, identification, and loss adjustment, among others, of the subject matters of insurance or insurance accidents as authorized by clients and receive remuneration as agreed on. | | 第二条 本规定所称保险公估机构是指接受委托，专门从事保险标的或者保险事故评估、勘验、鉴定、估损理算等业务，并按约定收取报酬的机构。 |
| An insurance adjustment institution to be formed within the territory of the People's Republic of China shall satisfy the qualification requirements prescribed by the China Insurance Regulatory Commission (“CIRC”) and obtain an insurance adjustment business permit (hereinafter referred to as the “permit”). | | 在中华人民共和国境内设立保险公估机构，应当符合中国保险监督管理委员会（以下简称中国保监会）规定的资格条件，取得经营保险公估业务许可证（以下简称许可证）。 |
| Article 3 Insurance adjustment institutions shall comply with laws, administrative regulations, and the relevant provisions issued by the CIRC, and follow the principles of independence, objectiveness, fairness, and impartiality. | | 第三条 保险公估机构应当遵守法律、行政法规和中国保监会有关规定，遵循独立、客观、公平、公正的原则。 |
| Article 4 The insurance adjustment business legally conducted by insurance adjustment institutions shall be protected by the law, and no entity or individual may interfere with it. | | 第四条 保险公估机构依法从事保险公估业务受法律保护，任何单位和个人不得干涉。 |
| Article 5 Where an insurance company or the insured sustains any damage for the fault of an insurance adjustment institution in the process of adjustment, the insurance adjustment institution shall assume compensatory liability according to the law. | | 第五条 保险公估机构在办理保险公估业务过程中因过错给保险公司或者被保险人造成损害的，应当依法承担赔偿责任。 |
| Article 6 The CIRC shall perform the duty of supervising and administering insurance adjustment institutions as authorized by the State Council. | | 第六条 中国保监会根据国务院授权，对保险公估机构履行监管职责。 |
| The local offices of the CIRC shall perform their regulatory duties as authorized by the CIRC. | | 中国保监会派出机构，在中国保监会授权范围内履行监管职责。 |
| Chapter II Market Access | | 第二章 市场准入 |
| Section 1 Formation of Institutions | | 第一节 机构设立 |
| Article 7 An insurance adjustment institution shall adopt one of the following forms of organization: | | 第七条 保险公估机构应当采取下列组织形式： |
| (1) Limited liability company. | | （一）有限责任公司； |
| (2) Joint-stock limited company. | | （二）股份有限公司； |
| (3) Partnership. | | （三）合伙企业。 |
| Article 8 For the formation of an insurance adjustment institution, the following conditions shall be met: | | 第八条 设立保险公估机构，应当具备下列条件： |
| (1) Its shareholders, promoters, or partners are of good credit standing and have no record of any major violation of laws in the last three years. | | （一）股东、发起人或者合伙人信誉良好，最近3年无重大违法记录； |
| (2) Its company bylaws or the partnership agreement is in compliance with the relevant provisions. | | （二）公司章程或者合伙协议符合有关规定； |
| (3) Its chairman of the board of directors or executive director and senior executives meet the prescribed conditions. | | （三）董事长、执行董事和高级管理人员符合规定的条件； |
| (4) It has a sound organizational structure and adequate and effective management rules. | | （四）具备健全的组织机构和管理制度； |
| (5) It has a fixed domicile suitable for its scale of business. | | （五）有与业务规模相适应的固定住所； |
| (6) It has business, financial, and other computer software and hardware facilities suitable for its business development. | | （六）有与开展业务相适应的业务、财务等计算机软硬件设施； |
| (7) Other conditions as set out in laws, administrative regulations, and the provisions issued by the CIRC. | | （七）法律、行政法规和中国保监会规定的其他条件。 |
| Article 9 The registered capital of an insurance adjustment institution shall be the amount of capital contribution subscribed by all shareholders, as registered with the company registration authority. | | 第九条 保险公估机构的注册资本为在公司登记机关登记的全体股东认缴的出资额。 |
| Article 10 An entity or individual prohibited by any law or administrative regulation from investing in enterprises may not be a promoter, shareholder, or partner of an insurance adjustment institution. | | 第十条 依据法律、行政法规规定不能投资企业的单位或者个人，不得成为保险公估机构的发起人、股东或者合伙人。 |
| Where any employee of an insurance company invests in an insurance adjustment institution, the employee shall inform the insurance company in writing of the investment; and where a director or senior executive of an insurance company or an insurance intermediary institution invests in an insurance adjustment institution, such investment shall be subject to the consent of the shareholders' meeting in accordance with the relevant provisions of the Company Law of the People's Republic of China (hereinafter referred to as the “Company Law”). | | 保险公司员工投资保险公估机构的，应当书面告知所在保险公司；保险公司、保险中介公司的董事、高级管理人员投资保险公估机构的，应当根据《中华人民共和国公司法》（以下简称《公司法》）有关规定取得股东会或者股东大会的同意。 |
| Article 11 The names of an insurance adjustment institution and its branch offices shall include the words “insurance adjustment,” and its trade name shall not be the same as that of any existing insurance adjustment institution, except as otherwise specified by the CIRC. | | 第十一条 保险公估机构及其分支机构的名称中应当包含“保险公估”字样，且字号不得与现有的保险公估机构相同，中国保监会另有规定除外。 |
| Article 12 To apply for formation of an insurance adjustment institution, all the shareholders, all the promoters, or all the partners shall designate a representative or jointly authorize an agent to handle matters related to the application with the CIRC. | | 第十二条 申请设立保险公估机构，全体股东、全体发起人或者全体合伙人应当指定代表或者共同委托代理人，向中国保监会办理申请事宜。 |
| Article 13 Insurance adjustment institutions may apply for formation of branches and business departments. To apply for formation of a branch office, an insurance adjustment institution shall meet the following conditions: | | 第十三条 保险公估机构可以申请设立分公司、营业部。保险公估机构申请设立分支机构应当具备下列条件： |
| (1) Its internal control rules are adequate and effective. | | （一）内控制度健全； |
| (2) Its existing organizational structure is in normal operation, and it has committed no major violation of laws in the last year. | | （二）现有机构运转正常，且申请前1年内无重大违法行为； |
| (3) The proposed primary person in charge meets the prescribed conditions. | | （三）拟任主要负责人符合规定的条件； |
| (4) The branch office to be formed has business premises satisfying the prescribed requirements and other facilities related to its operations. | | （四）拟设分支机构具备符合要求的营业场所和与经营业务有关的其它设施。 |
| Article 14 After receiving an application for formation of an insurance adjustment institution, the CIRC may alert the applicant to risks and conduct interviews on issues related to the formation to learn the market development strategy, business development plan, development of internal control rules, personnel structure, and other relevant matters of the institution to be formed. | | 第十四条 中国保监会收到保险公估机构设立申请后，可以对申请人进行风险提示，就申请设立事宜进行谈话，询问、了解拟设机构的市场发展战略、业务发展计划、内控制度建设、人员结构等有关事项。 |
| The CIRC may, as actually needed, organize an on-site check. | | 中国保监会可以根据实际需要组织现场验收。 |
| Article 15 After approving the formation of an insurance adjustment institution or a branch office thereof according to the law, the CIRC shall issue a permit to the applicant. | | 第十五条 中国保监会依法批准设立保险公估机构、保险公估分支机构的，应当向申请人颁发许可证。 |
| Article 16 Under any of the following circumstances, an insurance adjustment institution shall report it to the CIRC in writing within five days after the modification resolution is adopted: | | 第十六条 保险公估机构有下列情形之一的，应当自变更决议作出之日起5日内，书面报告中国保监会： |
| (1) Modification of the name of the institution or any branch office thereof. | | （一）变更名称或者分支机构名称； |
| (2) Modification of the domicile of the institution or the business premises of any branch office thereof. | | （二）变更住所或者分支机构营业场所； |
| (3) Modification of the name of any promoter, principal shareholder, or investor of the institution. | | （三）发起人、主要股东或者出资人变更姓名或者名称； |
| (4) Modification of any principal shareholder or investor. | | （四）变更主要股东或者出资人； |
| (5) Material modification of the equity structure or capital contribution proportion of the institution. | | （五）股权结构或者出资比例重大变更； |
| (6) Modification of the registered capital or the contributed capital of the institution. | | （六）变更注册资本或者出资； |
| (7) Amendment of the company bylaws or the partnership agreement. | | （七）修改公司章程或者合伙协议； |
| (8) Division, combination, dissolution, or modification of the form of organization of the institution. | | （八）分立、合并、解散或者变更组织形式； |
| (9) Abolition of any branch office of the institution. | | （九）撤销分支机构。 |
| Article 17 Where any modification of an insurance adjustment institution involves any matter recorded in the permit, it shall surrender the original permit, obtain a new one, and issue an announcement in accordance with the relevant provisions of the Measures for the Administration of Insurance Permits. | | 第十七条 保险公估机构及其分支机构变更事项涉及许可证记载内容的，应当交回原许可证，领取新许可证，并按照《保险许可证管理办法》有关规定进行公告。 |
| Article 18 The permit of an insurance adjustment institution shall be valid for three years, and an insurance adjustment institution shall apply to the CIRC for renewal 30 days before its permit expires. | | 第十八条 保险公估机构许可证的有效期为3年，保险公估机构应当在有效期届满30日前，向中国保监会申请延续。 |
| Where an insurance adjustment institution applies for renewal of its permit, the CIRC shall, before the expiration of the permit, comprehensively review and assess the insurance adjustment institution's operations in the last three years and make a decision to approve or disapprove the renewal. In the case of disapproval, it shall provide a written explanation of the reasons for the disapproval. | | 保险公估机构申请延续许可证有效期的，中国保监会在许可证有效期届满前对保险公估机构前3年的经营情况进行全面审查和综合评价，并作出是否批准延续许可证有效期的决定。决定不予延续的，应当书面说明理由。 |
| The insurance adjustment institution shall surrender the original permit to the CIRC within ten days of receiving the decision; or in the case of approval, obtain a new permit. | | 保险公估机构应当自收到决定之日起10日内向中国保监会缴回原证；准予延续有效期的，应当领取新许可证。 |
| Section 2 Office Qualifications | | 第二节 任职条件 |
| Article 19 For the purposes of these Provisions, “senior executive” of an insurance adjustment institution means the following person: | | 第十九条 本规定所称保险公估机构高级管理人员是指下列人员： |
| (1) The general manager, a deputy general manager, or an executive with the same power of the institution which is a company. | | （一）公司制保险公估机构的总经理、副总经理或者具有相同职权的管理人员； |
| (2) The executive partner or a manager with the same power of the institution which is a partnership. | | （二）合伙制保险公估机构执行合伙企业事务的合伙人或者具有相同职权的管理人员； |
| (3) The primary person in charge of a branch office of the institution. | | （三）保险公估分支机构的主要负责人。 |
| Article 20 The proposed chairman of the board of directors or executive director and senior executives of an insurance adjustment institution shall meet the following conditions: | | 第二十条 保险公估机构拟任董事长、执行董事和高级管理人员应当具备下列条件： |
| (1) Having an educational background of junior college or above. | | （一）大学专科以上学历； |
| (2) Having two years or more of economic work experience. | | （二）从事经济工作2年以上； |
| (3) Having the management capability required for performing his or her duties and being familiar with insurance laws and administrative regulations and the relevant provisions of the CIRC. | | （三）具有履行职责所需的经营管理能力，熟悉保险法律、行政法规及中国保监会的相关规定； |
| (4) Being honest and trustworthy and having good conduct. | | （四）诚实守信，品行良好； |
| (5) Other conditions as set out by the CIRC. | | （五）中国保监会规定的其他条件。 |
| One with ten years or more of financial or assessment work experience may be exempt from the condition in item (1) of the preceding paragraph. | | 从事金融或者评估工作10年以上，可以不受前款第（一）项限制。 |
| Article 21 A person who falls under any of the circumstances as set out in Article 146 of the Company Law or falls under any of the following circumstances shall not serve as the chairman of the board of directors or executive director or a senior executive of an insurance adjustment institution: | | 第二十一条 有《公司法》第一百四十六条规定的情形或者下列情形之一的，不得担任保险公估机构董事长、执行董事和高级管理人员： |
| (1) The person as a former director, supervisor, or senior executive of an insurance company or insurance intermediary institution whose permit has been revoked for any violation of laws was personally liable or was directly liable as a leader for the revocation of permit, and it has not been more than three years since the date of revocation. | | （一）担任因违法被吊销许可证的保险公司、保险中介机构的董事、监事或者高级管理人员，并对被吊销许可证负有个人责任或者直接领导责任的，自许可证被吊销之日起未逾3年； |
| (2) The person as a former director, supervisor, or senior executive of a financial institution has been disqualified for the office by the financial regulatory authority for his or her violation of laws or discipline, and it has not been more than five years since the disqualification. | | （二）因违法行为或者违纪行为被金融监管机构取消任职资格的金融机构的董事、监事或者高级管理人员，自被取消任职资格之日起未逾5年； |
| (3) The person has been prohibited from access to the financial sector during a certain period as decided by the financial regulatory authority, and the period has not expired. | | （三）被金融监管机构决定在一定期限内禁止进入金融行业的，期限未满； |
| (4) The practicing qualification of the person as a former professional of an institution such as an asset appraisal institution or verification institution has been revoked for his or her violation of laws or discipline, and it has not been more than five years since the revocation. | | （四）因违法行为或者违纪行为被吊销执业资格的资产评估机构、验证机构等机构的专业人员，自被吊销执业资格之日起未逾5年； |
| (5) It has not been more than two years since the person was issued a warning or fined by the financial regulatory authority. | | （五）受金融监管机构警告或者罚款未逾2年； |
| (6) The person is under investigation by the judicial authority, the disciplinary inspection and supervision department, or the financial regulatory authority. | | （六）正在接受司法机关、纪检监察部门或者金融监管机构调查； |
| (7) Other circumstances as set out by the CIRC. | | （七）中国保监会规定的其他情形。 |
| Article 22 Without the consent of the shareholders' meeting, a director or senior executive of an insurance adjustment company may not concurrently hold any position in an institution with any conflict of interest. | | 第二十二条 未经股东会或者股东大会同意，保险公估公司的董事和高级管理人员不得在存在利益冲突的机构中兼任职务。 |
| A partner of an insurance adjustment institution may not, independently or by cooperation with others, engage in any business in competition with the institution. | | 保险公估机构的合伙人不得自营或者同他人合作经营与本机构相竞争的业务。 |
| Article 23 To appoint or remove the chairman of the board of director or executive director or a senior executive, an insurance adjustment institution shall submit a written report on it to the CIRC within five days of making the decision. | | 第二十三条 保险公估机构任免董事长、执行董事和高级管理人员，应当自决定作出之日起5日内，书面报告中国保监会。 |
| The CIRC may require an insurance adjustment institution to replace its chairman of the board of directors or executive director or any of its senior executive who fails to meet the prescribed conditions. | | 中国保监会可以要求保险公估机构撤换不符合规定条件的董事长、执行董事和高级管理人员。 |
| Article 24 Where the chairman of the board of directors or executive director or a senior executive of an insurance adjustment institution is prosecuted for any suspected economic crime, the insurance adjustment institution shall submit a written report to the CIRC within five days after the prosecution is instituted and within five days after the case is closed. | | 第二十四条 保险公估机构的董事长、执行董事和高级管理人员因涉嫌经济犯罪被起诉的，保险公估机构应当自其被起诉之日起5日内和结案之日起5日内，书面报告中国保监会。 |
Article 25 Where an insurance adjustment institution appoints anyone the temporary person in charge under special circumstances, it shall submit a written report to the CIRC within five days after the appointment decision is made. The term of office of the temporary person in charge shall not exceed three months.
．．．．．． | | 第二十五条 保险公估机构在特殊情况下任命临时负责人的，应当自任命决定作出之日起5日内，书面报告中国保监会。临时负责人任职时间最长不得超过3个月。
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