| Notice of the China Insurance Regulatory Commission on Issuing the Interim Measures for Regulating the Credit Guarantee Insurance | | 中国保监会关于印发《信用保证保险业务监管暂行办法》的通知 |
| (No. 180 [2017] of the China Insurance Regulatory Commission) | | （保监财险〔2017〕180号） |
| All local offices of the China Insurance Regulatory Commission (“CIRC”) and all property insurance companies: | | 各保监局、各财产保险公司： |
| For the purposes of further regulating the business operation of the credit guarantee insurance, strengthening the supervision of the credit guarantee insurance, preventing systemic financial risks, and promoting the sustained and sound development of the credit guarantee insurance, the China Insurance Regulatory Commission (“CIRC”) has developed the Interim Measures for Regulating the Credit Guarantee Insurance, which are hereby issued for your compliance and implementation. | | 为进一步规范信用保证保险业务（以下简称信保业务）经营行为，加强信保业务监管，防范系统性金融风险，促进信保业务持续健康发展，我会制定了《信用保证保险业务监管暂行办法》，现印发给你们，请遵照执行。 |
| China Insurance Regulatory Commission | | 中国保监会 |
| July 11, 2017 | | 2017年7月11日 |
| Interim Measures for Regulating the Credit Guarantee Insurance | | 信用保证保险业务监管暂行办法 |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 For the purposes of strengthening the supervision and administration of the credit guarantee insurance, regulating the business operation of the credit guarantee insurance, preventing financial cross-risks, promoting the continuous and sound development of the credit guarantee insurance, and protecting the lawful rights and interests of the parties to the insurance activities, these Measures are developed under the Insurance Law of the People's Republic of China and other laws and regulations. | | 第一条 为加强信用保证保险业务（以下简称信保业务）监督管理，规范信保业务经营行为，防范金融交叉风险，促进信保业务持续健康发展，保护保险活动当事人合法权益，根据《中华人民共和国保险法》等法律法规，制定本办法。 |
| Article 2 For the purposes of these Measures, credit guarantee insurance means the insurance whose subject matter insured is the credit insurance and that is divided into credit insurance (excluding export credit insurance) and guarantee insurance. The insurance applicant and the insured of credit insurance are the right holders; and the insurance applicant of guarantee insurance is the obligor and the insured is the right holder. | | 第二条 本办法所称信用保证保险，是指以信用风险为保险标的的保险，分为信用保险（出口信用保险除外）和保证保险。信用保险的投保人、被保险人为权利人；保证保险的投保人为义务人、被保险人为权利人。 |
| For the purposes of these Measures, performance obligor means the credit risk subject in the credit insurance and the insurance applicant in the guarantee insurance. | | 本办法所称履约义务人，是指信用保险中的信用风险主体以及保证保险中的投保人。 |
| For the purposes of these Measures, credit guarantee insurance on the online lending platform means the credit guarantee insurance provided by an insurance company for the debtor and creditor on the online lending platform through cooperation with a financial information intermediary company that is legally formed, that is recorded and registered with the local financial supervision department at the provincial level, and that is specialized in the intermediary activities of the online lending information (hereinafter referred to as the “online lending platform”). | | 本办法所称网贷平台信保业务，是指保险公司与依法设立并经省级地方金融监管部门备案登记、专门从事网络借贷信息中介业务活动的金融信息中介公司（以下简称网贷平台）合作，为网贷平台上的借贷双方提供的信保业务。 |
| For the purposes of these Measures, insurance company means a property insurance company. | | 本办法所称保险公司，是指财产保险公司。 |
| Article 3 An insurance company shall provide credit guarantee insurance services under the principles of law compliance, small-sum and decentralized business operation, solid and prudent business operation, and controllable risks. | | 第三条 保险公司经营信保业务，应当坚持依法合规、小额分散、稳健审慎、风险可控的经营原则。 |
| Article 4 An insurance company shall provide the credit guarantee insurance services under the supervision requirements for solvency, to ensure that the overall scale of the credit guarantee insurance matches with the the company's capital strength. When providing the credit guarantee insurance services, an insurance company shall be concerned about the underlying risks, fully assess the impact of the credit guarantee insurance on the company's liquidity, and effectively manage the liquidity risks. | | 第四条 保险公司开展信保业务应当遵守偿付能力监管要求，确保信保业务的整体规模与公司资本实力相匹配。保险公司开展信保业务，应当关注底层风险，充分评估信保业务对公司流动性的影响，做好流动性风险管理。 |
| Chapter II Operation Rules | | 第二章 经营规则 |
| Article 5 An insurance company providing the credit guarantee insurance services shall have a core solvency rate not lower than 75% in the previous quarter and a comprehensive solvency adequacy ratio not lower than 150%. | | 第五条 经营信保业务的保险公司，上一季度核心偿付能力充足率应当不低于75%，且综合偿付能力充足率不低于150%。 |
| An insurance company with solvency lower than the aforesaid requirements shall suspend the new credit guarantee insurance, and may resume the credit guarantee insurance after satisfying the requirements for solvency. | | 保险公司偿付能力低于上述要求的，应当暂停开展信保新业务，并可在偿付能力满足要求后恢复开展信保业务。 |
| Article 6 The balance of the retained liability for the credit guarantee insurance underwritten by an insurance company shall not exceed ten times of the net assets at the end of the previous quarter. The balance of the retained liability underwritten by a single performance obligor and its affiliated parties shall not exceed 5% of the net assets at the end of the previous quarter or 500 million yuan. Formalities of reinsurance shall be undergone for the part exceeding the requirements for the aforesaid balance of the retained liability; where the formalities of reinsurance are not undergone, it shall not be underwritten. | | 第六条 保险公司承保的信保业务自留责任余额不得超过上一季度末净资产的10倍。对单个履约义务人及其关联方承保的自留责任余额不得超过上一季度末净资产的5%，且不得超过5亿元。超过以上自留责任余额要求的部分，应当办理再保险；未办理再保险的，不得承保。 |
| An insurance company that underwrites the credit guarantee insurance for the financing of the pledge of the performance obligor's rights shall be governed, mutatis mutandis to, the provisions of this article on a single performance obligor, where the collateral of the rights is owned by the same entity. | | 保险公司承保履约义务人权利质押融资信保业务，对于权利质押物属于同一兑现主体的，参照本条对单个履约义务人的规定执行。 |
| Article 7 When providing the credit guarantee insurance services, an insurance company shall prudently assess the risks, accurately measure the risk loss rate, reasonably estimate the profit rate, and determine the basic rate matched with the risk underwritten. | | 第七条 保险公司经营信保业务，应当谨慎评估风险，准确测算风险损失率，合理预估利润率，基础费率的厘定应当与承保的风险相匹配。 |
| Article 8 An insurance company shall not provide credit guarantee insurance for the following financing activities: | | 第八条 保险公司不得为以下融资行为提供信保业务： |
| (1) asset securitization business and assignment of claims; | | （一）类资产证券化业务和债权转让行为； |
| (2) non-public issuance of bonds, as well as issuance of bonds to public investors by entities with corporate credit rating or debt rating below AA+; | | （二）非公开发行债券业务，以及主体信用评级或债项评级AA＋以下的公开发行债券业务； |
| (3) financing of the controlling shareholder, subsidiaries and other affiliated parties of the insurance company (excluding the financing of other affiliated parties); or | | （三）保险公司的控股股东、子公司以及其他关联方的融资行为（其他关联方的资金融出行为除外）； |
| (4) Other behaviors prohibited by the China Insurance Regulatory Commission (“CIRC”) to be underwritten. | | （四）中国保监会禁止承保的其他行为。 |
| Article 9 An insurance company shall provide credit guarantee insurance services without the following behaviors: | | 第九条 保险公司开展信保业务，不得存在以下行为： |
| (1) An insurance company shall not underwrite any illegal behaviors, avoidance of supervision and other behaviors; | | （一）承保投保人违法违规、规避监管等行为； |
| (2) An insurance company shall not underwrite any loss that will not actually occur or any undetermined loss. | | （二）承保不会实际发生的损失或已确定的损失； |
| (3) An insurance company shall not underwrite any credit guarantee insurance that does not match the financing period or financing amount under a same loan contract in the form of splitting the policy term or insured amount. | | （三）以拆分保单期限或保险金额的形式，承保与同一借贷合同项下融资期限或融资金额不相匹配的信保业务； |
| (4) An insurance company shall not substantially change any approved or recorded credit guarantee insurance product through the special agreement of a policy or by entering into a supplemental agreement and other forms. The substantive contents include but are not limited to the subject matter insured, insurance liability, liability exemption, insurance premium rate, compensation method, handling of compensation, etc.; | | （四）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。实质性内容包括但不限于保险标的、保险责任、责任免除、保险费率、赔付方式、赔偿处理等； |
| (5) An insurance company shall not underwrite any natural person, legal person or unincorporated organization whose loan interest (lending) rate exceeds the upper limit as prescribed by the state. | | （五）承保的自然人、法人或非法人组织贷（借）款利率超过国家规定上限； |
| (6) Other behaviors prohibited by the CIRC. | | （六）中国保监会禁止的其他行为。 |
Article 10 An insurance company providing credit guarantee insurance services on the online lending platform shall comply with the provisions of Article 9 and shall not have the following behaviors:
．．．．．． | | 第十条 保险公司开展网贷平台信保业务的，应当遵守第九条规定，并不得存在以下行为：
．．．．．． |
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