| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Issuing the Measures for Regulating the Credit Insurance and Surety Bond | | 中国银保监会办公厅关于印发信用保险和保证保险业务监管办法的通知 |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”) and all property insurance companies: | | 各银保监局，各财产保险公司： |
| The Measures for Regulating the Credit Insurance and Surety Bond (hereinafter referred to as the "Measures") are hereby issued for your compliance and implementation. | | 现将《信用保险和保证保险业务监管办法》（以下简称《办法》）印发给你们，请遵照执行。 |
| Where, after these Measures come into force, an insurance company fails to satisfy the requirements of Articles 4 and 5, the balance of outstanding liabilities of financing credit insurance and surety bond shall be gradually reduced during the transitional period, the stock business shall be handled in an appropriate and orderly manner, and the balance of total outstanding liabilities of financing credit insurance and surety bond shall not exceed the balance on the date of issuance of these Measures. The transitional period shall be six months from the date of issuance of these Measures. Where an insurance company still fails to satisfy the requirements of Articles 4 and 5 upon expiry of the transitional period, financing credit insurance and surety bond shall not be carried out. | | 《办法》实施后，保险公司如不符合第四条、第五条要求的，应于过渡期内逐步降低融资性信保业务的未了责任余额，妥善有序消化存量业务，融资性信保业务总体未了责任余额不得超过《办法》印发之日的余额。过渡期为《办法》印发之日起6个月。过渡期满后，保险公司仍不符合第四条、第五条要求的，不得开展融资性信保业务。 |
| May 8, 2020 | | 2020年5月8日 |
| Measures for Regulating the Credit Insurance and Surety Bond | | 信用保险和保证保险业务监管办法 |
| For the purposes of protecting the lawful rights and interests of insurance consumers, further strengthening the credit insurance and surety bond business (hereinafter referred to as the “credit insurance and surety bond”), regulating the business operation conducts, preventing and mitigating risks, and promoting the sustainable and sound development of the credit insurance and surety bond, these Measures are developed according to the Insurance Law of the People's Republic of China, the Contract Law of the People's Republic of China, and other laws and regulations. | | 为保护保险消费者合法权益，进一步加强信用保险和保证保险业务（以下简称信保业务）监管，规范经营行为，防范化解风险，促进信保业务持续健康发展，根据《中华人民共和国保险法》《中华人民共和国合同法》等法律法规，制定本办法。 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of these Measures, the credit insurance and surety bond means the insurance whose subject matter insured is performance credit risk. For credit insurance, the credit risk subject is the performance obligor, and the insurance applicant and the insured are the right holders; and for surety bond, the insurance applicant is the performance obligor and the insured is the right holder. | | 第一条 本办法所称信用保险和保证保险，是指以履约信用风险为保险标的的保险。信用保险的信用风险主体为履约义务人，投保人、被保险人为权利人；保证保险的投保人为履约义务人，被保险人为权利人。 |
| For the purposes of these Measures, an “insurance company” means a property insurance company formed with the approval of the CBIRC; and a “proprietary insurance company” means a property insurance company whose scope of direct insurance business approved by the CBIRC is limited to the credit insurance and surety bond. | | 本办法所称保险公司，是指经银保监会批准设立的财产保险公司；所称专营性保险公司，是指经银保监会批复的直保业务经营范围仅限信用保险、保证保险的财产保险公司。 |
| For the purposes of these Measures, financing credit insurance and surety bond means the credit insurance and surety bond that an insurance company provides insurance guarantee for the performance credit risk of loan, financial leasing, and other financing contracts. | | 本办法所称融资性信保业务，是指保险公司为借贷、融资租赁等融资合同的履约信用风险提供保险保障的信保业务。 |
| For the purposes of these Measures, a “cooperative institution” means an institution that cooperates with an insurance company in the relevant links during marketing, risk examination, collection and recovery, and other operating processes of the credit insurance and surety bond. | | 本办法所称合作机构，是指在营销获客、风险审核、催收追偿等信保业务经营过程中的相关环节，与保险公司开展合作的机构。 |
| Article 2 An insurance company shall provide credit insurance and surety bond services under the principles of compliance with laws and regulations, small-sum and decentralized business operation, and controllable risks. | | 第二条 保险公司经营信保业务，应当坚持依法合规、小额分散、风险可控的经营原则。 |
| Chapter II Business Rules | | 第二章 经营规则 |
| Article 3 To provide credit insurance and surety bond services, an insurance company shall satisfy the regulatory requirements for solvency, fully consider the capital constraints of the regulatory requirements for solvency on the credit insurance and surety bond, and ensure that the development of the credit insurance and surety bond matches the company's capital strength and risk management ability. | | 第三条 保险公司开展信保业务应当遵守偿付能力监管要求，充分考虑偿付能力监管要求对信保业务的资本约束，确保信保业务的发展与公司资本实力、风险管理能力相匹配。 |
| Article 4 To operate financing credit insurance and surety bond, an insurance company shall satisfy the following requirements: | | 第四条 保险公司经营融资性信保业务的，应当符合以下要求： |
| (1) Its core solvency adequacy ratio at the end of the most recent two quarters is not lower than 75%, and its comprehensive solvency adequacy ratio is not lower than 150%. | | （一）最近两个季度末核心偿付能力充足率不低于75%，且综合偿付能力充足率不低于150%。 |
| (2) Its head office has set up a management department specifically responsible for the credit insurance and surety bond, and formed a sound organizational structure and professional talent team. | | （二）总公司成立专门负责信保业务的管理部门，并建立完善的组织架构和专业的人才队伍。 |
| (3) It has established a business operating system that covers pre-insurance risk examination and post-insurance inspection and management; and it has a risk management and control system for independent examination of performance obligors which needs to be connected to the credit investigation system of the People's Bank of China. | | （三）建立覆盖保前风险审核、保后监测管理的业务操作系统；具备对履约义务人独立审核的风险管控系统，且需接入中国人民银行征信系统。 |
| It underwrites personal financing credit insurance and surety bond through the Internet, for which its head office conducts centralized underwriting and centralized management and control, and it realizes data docking with the business system of financial institutions with legal lending qualifications. | | 通过互联网承保个人融资性信保业务，由总公司集中核保、集中管控，且与具有合法放贷资质的金融机构的业务系统进行数据对接。 |
| (4) It has sound financing credit insurance and surety bond management rules and operating regulations. | | （四）具有健全的融资性信保业务管理制度和操作规程。 |
| (5) Other requirements prescribed by the CBIRC. | | （五）银保监会规定的其他要求。 |
| Article 5 The balance of the retained liability for the credit insurance and surety bond underwritten by an insurance company shall not exceed 10 times the net assets at the end of the previous quarter accumulatively. Except for proprietary insurance companies, the balance of the retained liability for financing credit insurance and surety bond underwritten by other insurance companies shall not exceed four times the net assets at the end of the previous quarter, and the upper limit of multiples underwritten may be increased to six times, when the balance of inclusive loans to micro and small enterprises underwritten in the financing credit insurance and surety bond reaches 30% or more. | | 第五条 保险公司承保的信保业务自留责任余额累计不得超过上一季度末净资产的10倍。除专营性保险公司外，其他保险公司承保的融资性信保业务自留责任余额累计不得超过上一季度末净资产的4倍，融资性信保业务中承保普惠型小微企业贷款余额占比达到30%以上时，承保倍数上限可提高至6倍。 |
| The balance of retained liability of a single performance obligor and its affiliated parties underwritten by an insurance company shall not exceed 5% of the net assets at the end of the previous quarter. Except for a proprietary insurance company, the balance of retained liability of a single performance obligor for financing credit insurance and surety bond and its affiliated parties underwritten by another insurance company shall not exceed 1% of the net assets at the end of the previous quarter. | | 保险公司承保单个履约义务人及其关联方的自留责任余额不得超过上一季度末净资产的5%。除专营性保险公司外，其他保险公司承保的融资性信保业务单个履约义务人及其关联方自留责任余额不得超过上一季度末净资产的1%。 |
| Article 6 An insurance company shall not underwrite the following credit insurance and surety bond: | | 第六条 保险公司不得承保以下信保业务： |
| (1) Non-publicly issued bonds, or publicly issued bonds with corporate credit rating or bond rating below AA+ (except for proprietary insurance companies). | | （一）非公开发行的债券业务、公开发行的主体信用评级或债项评级在AA＋以下的债券业务（专营性保险公司除外）； |
| (2) Transfer of creditor's rights for which the underlying performance obligor has been changed. | | （二）底层履约义务人已发生变更的债权转让业务； |
| (3) Asset securitization initiated by a non-bank institution. | | （三）非银行机构发起的资产证券化业务； |
| (4) Financial derivatives. | | （四）金融衍生产品的业务； |
| (5) Fund-raising by controlling shareholders, actual controllers, subsidiaries and other affiliated parties of the insurance company. | | （五）保险公司的控股股东、实际控制人、子公司以及其他关联方的资金融入业务； |
| (4) Other business prohibited by the CBIRC to be underwritten. | | （六）银保监会禁止承保的其他业务。 |
| Article 7 An insurance company that provides credit insurance and surety bond services shall not have any of the following business operation conducts: | | 第七条 保险公司开展信保业务，不得存在以下经营行为： |
| (1) Underwriting losses that will not actually occur or that have been determined. | | （一）承保不会实际发生的损失或损失已确定的业务； |
| (2) Underwriting financing credit insurance and surety bond for contracts with loan (lending) interest rate exceeding the ceiling prescribed by the state. | | （二）承保融资性信保业务贷（借）款利率超过国家规定上限的业务； |
| (3) The insured of the financing credit insurance and surety bond underwritten is a funder without legal financing service qualifications. | | （三）承保融资性信保业务的被保险人为不具有合法融资服务资质的资金方； |
| (4) Underwriting business that does not match the term or amount under the same financing contract by splitting the policy term or insured amount. | | （四）以拆分保单期限或保险金额的形式，承保与同一融资合同项下期限或金额不相匹配的业务； |
| (5) Substantively changing approved or recorded credit insurance and surety bond products by special agreement of an insurance policy, entering into a supplemental agreement, or other means. | | （五）通过保单特别约定或签订补充协议等形式，实质性改变经审批或备案的信保产品； |
| (6) Issuing a letter with the nature of guarantee and with legal effect similar to the insurance contract, for the same insurance liability of the same insured subject. | | （六）对同一承保主体的同一保险责任，出具与保险合同的法律效力类似且具有担保性质的函件； |
| (7) Having violations of laws and regulations in the collection and recovery carried out by itself or upon commission. | | （七）自行或委外开展催收追偿中存在违法违规行为； |
| (8) Other business operation conducts prohibited by the CBIRC. | | （八）银保监会禁止的其他经营行为。 |
Article 8 An insurance company providing financing credit insurance and surety bond services through the Internet shall, according to the regulatory provisions on online insurance, disclose insurance products, policy inquiry links, channels for customer complaint, information security guarantee, cooperative Internet institutions, and other contents at the conspicuous position on the official website; and concurrently require the cooperative Internet institutions to disclose the aforesaid contents at the conspicuous position on the business webpages.
．．．．．． | | 第八条 保险公司通过互联网开展融资性信保业务的，应当按照互联网保险业务监管规定，在官网显著位置对保险产品、保单查询链接、客户投诉渠道、信息安全保障、合作的互联网机构等内容进行披露；同时要求合作的互联网机构在业务网页显著位置对上述内容进行信息披露。
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