| Notice of the China Insurance Regulatory Commission on Strengthening the Supervision of Personal Insurance Products | | 中国保监会关于强化人身保险产品监管工作的通知 |
| (No. 199 [2016] of the China Insurance Regulatory Commission) | | （保监寿险〔2016〕199号） |
| All personal insurance companies: | | 各人身保险公司： |
| For the purposes of effectively conducting supervision over personal insurance products under the new situation, maximizing the role of the market in the allocation of resources, enhancing the core competitiveness of personal insurance products, preventing the risks of personal insurance products, and promoting the supply-side structural reform of personal insurance, the relevant matters are hereby announced as follows: | | 为做好新形势下人身保险产品监管工作，充分发挥市场配置资源的作用，提高人身保险产品核心竞争力，防范人身保险产品风险，推进人身保险供给侧结构性改革，现就有关事项通知如下： |
| I. The China Insurance Regulatory Commission (CIRC) shall manage personal insurance products by conducting ex post recordation and spot check. Unless prior approval is explicitly required, the personal insurance products developed and designed by an insurance company shall be subject to ex-post recordation, i.e. a report shall be made to the CIRC for recordation within ten days after the sale of products. | | 一、中国保监会对人身保险产品实行事后备案和事后抽查管理。保险公司开发设计的人身保险产品，除明确要求需事前审批的外，均实行事后备案，即在产品销售之后的10日内向中国保监会备案。 |
| The CIRC shall issue an acknowledgement of receipt (list of materials for recordation) to the insurance company after receiving the company's product materials for recordation. The acknowledgement of receipt received by the insurance company only represents the submission of complete materials required for recordation. The CIRC will conduct ex-post spot check of the products received in accordance with the law according to its regulatory functions. | | 中国保监会在收到保险公司产品备案材料后即反馈产品收文回执（备案材料清单表）。保险公司收到产品收文回执，仅代表相关备案材料报送齐全。中国保监会将根据监管职责，依法对已收到产品进行事后抽查。 |
| II. The CIRC shall establish an exit mechanism for personal insurance products. Where the CIRC discovers through spot check and determines that an insurance company's product for recordation is involved in any violation of law or regulation, it will order the insurance company to cease the use of the product involved in the violation and release to the public information on the suspension of the sales of the product. | | 二、中国保监会建立人身保险产品退出机制。中国保监会经抽查发现并认定保险公司备案产品存在违法违规情形的，将责令保险公司停止使用违规产品、公开披露产品停售信息。 |
| An insurance company shall strengthen its business management of products granted recordation, and actively withdraw those with low level of consumer recognition and/or poor sales from the market. Where a company finds in actual business operations that any product violates any law or regulation or falls under any unfair or irrational circumstance, it shall actively withdraw the product from the market and report to the CIRC. | | 保险公司应当加强对备案产品的经营管理，对于消费者认可度不高、销量不佳的产品，应当主动退出市场；对在实际经营过程中发现产品存在违法违规或不公平、不合理等情形的，应当主动退出市场，并向中国保监会报告。 |
| III. The CIRC shall establish an accountability mechanism for personal insurance products. Insurance companies shall assume the primary responsibility for products granted recordation. The general manager of an insurance company shall be responsible for leading product development and management, and be directly responsible for the examination, signature and issuance of product recordation reports submitted to the CIRC. The chief actuary of an insurance company shall be responsible for actuarial check of products, and be directly responsible for the rationality, sufficiency, appropriateness and fairness of the classification of product designs and the determination of fee rates. The person responsible for legal affairs of an insurance company shall be responsible for examining the lawfulness of products, and be directly responsible for the fairness, rationality and regulatory compliance of clauses, and the accuracy and preciseness of clause statements. | | 三、中国保监会建立人身保险产品问责机制。保险公司对备案产品负有主体责任。保险公司总经理对产品开发管理负有领导责任，并对向中国保监会报送产品备案报告审核、签发负有直接责任；保险公司总精算师对产品负有精算审核职责，并对产品设计分类和费率厘定的合理性、充足性、适当性和公平性等负有直接责任；保险公司法律责任人对产品负有法律审核职责，并对条款的公平性、合理性、合规性，条款表述的准确性、严谨性负有直接责任。 |
| Where an insurance company commits any of the following conduct, the CIRC shall, in light of the seriousness of circumstances, prohibit it from declaring new products with three months or one year as of the date of determination of the regulatory violation, and in light of the seriousness of circumstances, take such measures as holding interviews, circulating a notice of criticism, legally giving a warning, and withdrawing office qualifications against the general manager, the chief actuary, the person responsible for legal affairs and other relevant liable persons of the insurance company: | | 保险公司有下列行为之一的，中国保监会将视情节轻重自违规行为认定日起3个月至1年内禁止保险公司申报新的产品，并视情节轻重对保险公司总经理、总精算师、法律责任人等相关责任人进行约谈、通报，依法予以警告、撤销相关人员任职资格等： |
(1) Any product granted recordation violates any law or regulation or any other provisions of the CIRC.
．．．．．． | | （一）保险公司备案产品违反法律法规或者中国保监会其他规定的；
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