| Notice of the China Insurance Regulatory Commission on Conducting a Special Overhaul of the Recorded Products of Property Insurance Companies | | 中国保监会关于开展财产保险公司备案产品专项整治工作的通知 |
| (No. 163 [2017] of the China Insurance Regulatory Commission) | | （保监财险〔2017〕163号） |
| All property insurance companies: | | 各财产保险公司： |
| For the purpose of implementing the important decision and deployment of the CPC Central Committee and the State Council on reinforcing the prevention and control of financial risks, according to the relevant requirements of the Notice of the China Insurance Regulatory Commission on Enhancing Insurance Regulation, Cracking Down on Violations of Laws and Regulations and Addressing Market Irregularities (No. 40 [2017], CIRC), the China Insurance Regulatory Commission (“CIRC”) has decided to carry out a special overhaul of the recorded products of property insurance companies. You are hereby notified of the relevant matters as follows: | | 为贯彻落实党中央国务院关于加强金融风险防控工作的重要决策部署，根据《中国保监会关于强化保险监管 打击违法违规行为 整治市场乱象的通知》（保监发〔2017〕40号）的有关要求，我会决定开展财产保险公司备案产品专项整治工作。现将有关事项通知如下： |
| I. Work Objectives | | 一、工作目标 |
| Centering on the overall objectives of improving the general quality of products of property insurance companies and raising their product management and control capabilities, the special overhaul will, by a comprehensive review of the recorded products currently marketed by property insurance companies, vigorously address various problems in the product field, further accentuate the product management responsibility of companies, standardize the product development and management of companies, improve the product supply quality of companies, protect the lawful rights and interests of insurance consumers, create a market environment for orderly competition and encouraging innovation, and satisfy the overall requirement that “the insurance industry should focus on insurance.” | | 围绕提高财产保险公司产品整体质量、提升公司产品管控水平的总体目标，通过全面梳理财产保险公司在用备案产品，集中整治产品领域存在的各种问题，进一步强化公司产品管理的主体责任，规范公司产品开发管理行为，提升保险产品供给质量，保护保险消费者合法权益，营造竞争有序、鼓励创新的市场环境，落实“保险业姓保”的总体要求。 |
| II. Scope of the Overhaul | | 二、整治范围 |
| All the recorded products currently marketed by property insurance companies, including agricultural insurance, commercial property insurance, household property insurance, engineering insurance, liability insurance, credit insurance, guarantee insurance, hull insurance, cargo insurance, special risk insurance, accidental death and dismemberment insurance, short-term health insurance, and other recorded insurance products. | | 财产保险公司所有在用的备案产品，包括：农业保险、企业财产保险、家庭财产保险、工程保险、责任保险、信用保险、保证保险、船舶保险、货运险、特殊风险保险、意外伤害保险、短期健康保险以及其他保险备案产品。 |
| III. Basis for the Overhaul | | 三、整治依据 |
| The Insurance Law of the People's Republic of China, the Measures for the Administration of Insurance Clauses and Premium Rates of Property Insurance Companies, the Guidelines for the Development of Insurance Products of Property Insurance Companies, the Guidelines for the Rating of Products of Property Insurance Companies, and other laws, regulations, and regulatory rules. | | 《中华人民共和国保险法》《财产保险公司保险条款和保险费率管理办法》《财产保险公司保险产品开发指引》《财产保险公司产品费率厘定指引》等法律法规和监管规定。 |
| IV. Priorities in the Overhaul | | 四、整治重点 |
| 1. Whether the product development has complied with the Insurance Law of the People's Republic of China and relevant laws and regulations and whether there are any violations of insurance principles, violations public order and good morals, and damage to the public interest and the lawful rights and interests of insurance consumers. | | （一）产品开发是否符合《中华人民共和国保险法》及相关法律法规规定，是否存在违反保险原理、违背社会公序良俗、损害社会公共利益和保险消费者合法权益等情况。 |
| 2. Whether the product development has been in line with the principles of insurable interest, loss compensation, good faith, aleatory contract, and risk pricing, among others. | | （二）产品开发是否符合保险利益、损失补偿、诚实信用、射幸合同、风险定价等原则。 |
| 3. Whether comprehensive consideration has been given to the company's underwriting capacity, risk unit division, reinsurance support, and other factors in the process of product development, and whether there are any circumstances endangering its solvency and financial soundness. | | （三）产品开发是否综合考虑公司承保能力、危险单位划分、再保险支持等因素，是否存在危及公司偿付能力和财务稳健的情况。 |
4. Whether any product development is flawed, for example, there is any irregularity in innovation, conceptual hype or gimmick, deviation in design from the nature of insurance, or weakened coverage.
．．．．．． | | （四）产品开发是否存在创新不规范、炒作概念和制造噱头、设计偏离保险本源、保障功能弱化等问题。
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