| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Strengthening the Management of Intermediary Channel Business of Insurance Companies | | 中国银保监会办公厅关于加强保险公司中介渠道业务管理的通知 |
| (No. 19 [2019] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发〔2019〕19号） |
| For the purposes of strengthening supervision, guarding against systemic financial risks, further regulating the order of the insurance market, and consolidating the bottom line for risk control, the matters regarding strengthening the management of intermediary channel business of insurance companies are hereby announced as follows: | | 为加强监管、防范系统性金融风险，进一步规范保险市场秩序，筑牢风险防控工作底线，现将加强保险公司中介渠道业务管理有关事项通知如下： |
| I. Insurance companies shall establish an intermediary channel business management system featuring clear rights and responsibility. | | 一、保险公司要建立权责明晰的中介渠道业务管理制度体系 |
| 1. If an insurance company conducts insurance business through such insurance intermediary channels as individual insurance agents, corporate insurance agents, insurance brokers, sideline insurance agents, insurance claims adjusters and the Internet, it shall strengthen the management of intermediary channel business. | | （一）保险公司通过个人保险代理人、保险专业代理机构、保险经纪机构、保险兼业代理机构、保险公估机构和互联网等保险中介渠道开展保险业务，应当加强中介渠道业务管理。 |
| 2. An insurance company shall set up a division and a special post for managing the business lines of intermediary channels at its head office, and the management from the head office shall designate a person responsible for the management of intermediary channel business and file such designation with the China Banking and Insurance Regulatory Commission (CBIRC). | | （二）保险公司应当在总部设置中介渠道业务条线管理部门和专岗，总部管理层应当设有中介渠道业务管理责任人，并向银保监会报备。 |
| 3. An insurance company shall have a legal, effective and robust intermediary channel management system, at least including a business management system, a financial management system and an information system control system, so as to ensure that its business conduct is in compliance with laws and regulations and that its business and financial data are authentic and transparent. | | （三）保险公司应当具备合法、有效、稳健的中介渠道管理制度，至少包括业务管理制度、财务管理制度、信息系统管控制度，确保经营行为依法合规、业务财务数据真实透明。 |
| 4. An insurance company shall have IT-based management means, so that its information systems for business management and financial management can cover the whole process of intermediary channel business in a truthful, accurate and complete manner. | | （四）保险公司应当具备信息化管理手段，业务管理信息系统、财务管理信息系统能够真实、准确、完整覆盖中介渠道业务全流程。 |
| 5. An insurance company shall establish a compliance audit system for intermediary channel business to improve the compliance audit of business segments and branches at all levels, thus creating a sound mechanism for punishing intermediary business activities in violation of laws and regulations. | | （五）保险公司应当建立中介渠道业务合规审计制度，健全对业务部门、各级分支机构的合规审计，形成完善的中介业务违法违规行为责任追究机制。 |
| II. Insurance companies shall strengthen the management of cooperating intermediary channel business entities | | 二、保险公司要加强对合作中介渠道主体的管理 |
| 6. An insurance company shall agree with a cooperating intermediary channel business entity on the relevant responsibilities in the entrustment contract, fulfill responsibility for regulation and control over the compliance of intermediary channel business, and require, in a timely manner, such intermediary channel business entity to correct violations of laws and regulations. | | （六）保险公司应当与合作中介渠道主体在委托合同中约定相关责任，落实对中介渠道业务合规性的管控责任，及时要求中介渠道业务主体纠正违法违规行为。 |
| 7. An insurance company shall establish a file for managing intermediary channel business entities. The file shall accurately record the business qualifications, personnel practice qualifications, shareholder risk assessment, training, business conditions and compliance evaluation, among others, of the cooperating parties. | | （七）保险公司应当建立中介渠道业务主体管理档案。准确记载合作主体的机构业务资质、人员执业资质、股东风险测评、培训、业务情况以及合规性评价等。 |
| 8. An insurance company shall strengthen the authenticity management of insurance policies sold through intermediary channels, and tighten internal control over the collection, recording, management and use of customer information. | | （八）保险公司应当加强中介渠道保单真实性管理，加强客户信息收集、记录、管理和使用的内部管控。 |
9. An insurance company shall establish a scientific and effective management system for individual insurance agents. The management of the practice registration for individual insurance agents shall be improved, and the management of the practice process shall be strengthened to ensure that the data on practice registration are truthful and accurate. A mechanism for regularly screening product sales shall be established to resolutely prohibit the illegal sale of non-insurance financial products.
．．．．．． | | （九）保险公司应当制定科学有效的个人保险代理人管理制度。完善个人保险代理人执业登记管理，加强执业过程管理，确保执业登记数据真实、准确。建立产品销售定期排查机制，坚决禁止违规销售非保险金融产品。
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