| Notice of the China Insurance Regulatory Commission on Issues concerning Strengthening the Administration of Products under the Reform of the Policy on Personal Insurance Premium Rates | | 中国保监会关于加强人身保险费率政策改革产品管理有关事项的通知 |
| (No. 136 [2015] of the China Insurance Regulatory Commission) | | （保监寿险〔2015〕136号） |
| All personal insurance companies: | | 各人身保险公司： |
| For purposes of further promoting the reform of the policy on premium rates of personal insurance products, effectively performing the administration of products under the reform of the policy on premium rates, and promoting the sustained, stable, and sound development of the personal insurance market, you are hereby notified of the following issues: | | 为深入推进人身保险产品费率政策改革，做好费率政策改革产品管理工作，促进人身保险市场持续稳定健康发展，现将有关事项通知如下： |
| I. For the purpose of this Notice, “products subject to approval for the reform of the policy on premium rates” means the common type, participating, and universal personal insurance products required to be submitted to the China Insurance Regulatory Commission (“CIRC”) for approval, in accordance with relevant provisions of the CIRC on the reform of the policy on personal insurance premium rates. | | 一、本通知所称费率政策改革审批产品是指根据中国保监会人身保险费率政策改革相关规定，需要报送中国保监会审批的普通型、分红型和万能型人身保险产品。 |
| II. Insurance companies that develop products subject to approval for the reform of the policy on premium rates shall, in accordance with the relevant provisions of the Measures for the Administration of Insurance Clauses and Insurance Premium Rates of Personal Insurance Companies (Order No. 3 [2011], CIRC), submit them to the CIRC for approval and concurrently satisfy the following requirements: | | 二、保险公司开发费率政策改革审批产品的，应按照《人身保险公司保险条款和保险费率管理办法》（保监会令2011年第3号）的有关规定报送中国保监会审批，同时应满足以下要求： |
| 1. The solvency adequacy ratios at the end of the most recent two quarters are adequate class II. An insurance company whose solvency adequacy ratio is lower than adequate class II shall immediately stop selling the products subject to approval for the reform of the policy on premium rates. | | （一）公司最近两个季度末偿付能力充足率处于充足II类。保险公司偿付能力充足率低于充足II类时，应立即停止销售费率政策改革审批产品。 |
| 2. The company has not been subjected to any major administrative penalty by any regulatory authority in the last three years. | | （二）公司最近3年未受到监管部门重大行政处罚。 |
| 3. The company is not under investigation by any regulatory authority for being suspected of violating laws and regulations or is not during any period of risk disposal, rectification, or takeover. | | （三）公司没有因涉嫌违法违规行为正在被监管部门调查，或者正处于风险处置、整顿或接管期间。 |
4. The assumed interest rate and the minimum guaranteed interest rate of a product shall be prudently determined by the insurance company under the principle of sustainability and shall not exceed the average rate of return on investment of the company in the past five years. For a company that has not been operating for five years, the rate of return on investment of the insurance industry shall be adopted for its rate of return on investment before its start-up. Meanwhile, the company shall explain that the expected return on investment of the asset portfolio to be allocated for the product is able to cover the product's minimum guaranteed costs, relevant expenses, and other expenditures; and for participating insurance products, the company shall also consider the impact of future dividend distribution.
．．．．．． | | （四）产品预定利率和最低保证利率由保险公司按照可持续性原则审慎确定，应不超过公司过去5年平均投资收益率。对于开业时间不满5年的公司，其开业之前的投资收益率采用保险行业投资收益率。同时，公司应该说明产品拟配置资产组合的预期投资收益能够支持产品最低保证成本及相关费用等支出；对于分红保险产品，公司还应考虑未来红利分配的影响。
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