第一章 总则
Chapter I General Provisions

第一条 为了加强对外国保险机构驻华代表机构（以下简称“代表机构”）的管理，适应中国保险市场对外开放的需要，根据《中华人民共和国保险法》，制定本办法。
Article 1 These rules are formulated in accordance with the Insurance Law of the People’s Republic of China, and for the purpose of strengthening the administration of representative offices of foreign insurance institutions (hereinafter referred to as “representative offices”), and meeting the needs of the opening up of China’s insurance market to the outside world.

第二条 本办法所称外国保险机构，是指在中国境外注册的保险公司、再保险公司、保险中介机构、保险协会及其它保险组织。
Article 2 Foreign insurance institutions hereof referred to in these rules are those insurance companies, reinsurance companies, insurance intermediaries, insurance associations, and other insurance organizations incorporated outside the territory of the People’s Republic of China.

本办法所称代表机构，是指外国保险机构在中国境内获准设立并从事联络、市场调查等非经营性活动的代表处、总代表处。
Representative offices hereof referred to in these rules are both representative offices and general representative offices established by foreign insurance institutions within Chinese territory for the purpose of conducting such non-operational activities as liaison service and market research etc.

本办法所称首席代表，是指代表处的主要负责人；本办法所称总代表，是指总代表处的主要负责人。
Chief Representative hereof referred to in these rules is the principal responsible person of the representative office, and the general representative is the principal responsible person of the general representative office.

第三条 代表机构必须遵守中国法律、法规和中国保险监督管理委员会（以下简称“中国保监会”）的有关规定。代表机构的合法权益受中国法律保护。
Article 3 Representative offices shall abide by Chinese laws and regulations and related regulations made by China Insurance Regulatory Commission (hereinafter referred to as “CIRC”) and their legitimate rights and interests are protected by Chinese laws.

第四条 中国保监会根据法律和国务院授权，对代表机构履行监管职责。
Article 4 CIRC is authorized by law and the State Council to perform regulatory responsibilities over the representative offices.

中国保监会派出机构，在中国保监会授权范围内，代表中国保监会对本辖区的代表机构实施日常监管。
Under the authorization scope of CIRC, the local branch offices of CIRC take general regulation of those representative offices that are located in their jurisdictions on behalf of CIRC.

第二章 申请与设立
Chapter Ⅱ Application and Establishment

第五条 申请设立代表处的外国保险机构（以下简称“申请者”）应当具备下列条件：
Article 5 Foreign insurance institutions (hereinafter referred to as “the applicant”) applying to establish a representative office shall satisfy the following requirements:

（一）经营状况良好；
(1) Good business performance;

（二）申请之日前3年内无重大违法违规记录；
(2) No record of any major violation of laws and regulations within three years prior to the application date;

（三）中国保监会规定的其他审慎性条件。
(3) Other prudential requirements stipulated by CIRC.

第六条 拟设代表处的正式申请表由中国保监会提供。
Article 6 The formal application form for the establishment of representative office is provided by CIRC.

第七条 申请者应当提交下列材料：
Article 7 The applicant shall submit the following documents:

（一）正式申请表；
(1) The formal application form;

（二）由董事长或者总经理签署的致中国保监会主席的申请书；
(2) A letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;

（三）所在国家或者地区有关主管当局核发的营业执照或者合法开业证明或者注册登记证明的复印件；
(3) A photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate issued by the relevant regulatory authorities of its home country or territory;

（四）机构章程，董事会成员名单、管理层人员名单或者主要合伙人名单；
(4) Articles of association and the name list of the members of the Board of Directors, management personnel or principal partners;

（五）申请之日前3年的年报；
(5) Annual reports of the last three years prior to the application;

（六）所在国家或者地区有关主管当局出具的对申请者在中国境内设立代表处的意见书，或者由所在行业协会出具的推荐信，意见书或者推荐信应当陈述申请者在出具意见书或者推荐信之日前3年受处罚的记录；
(6) A letter of permit issued by the competent authority of its home country or territory allowing it to set up a representative office in China, or a letter of recommendation from the industrial association of which the applicant is a member, and both types of letters shall contain information about the penalty records of the applicant received within three years prior to the application;

（七）由董事长或者总经理签署的首席代表授权书；
(7) A power of attorney signed by the Chairman of the Board or General Manager for the chief representative designated;

（八）拟任首席代表的简历以及相关证明材料；
(8) The resume of the designated chief representative and other relevant supporting documents;

（九）中国保监会规定提交的其他资料。
(9) Other documents and materials required by CIRC.

“营业执照”、“合法开业证明”和 “注册登记证明”的复印件必须经其所在国家或者地区依法设立的公证机构公证或者经中国驻该国使、领馆认证。
The photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate shall be subject to notarization certified by the applicant’s home country or territory or verification by the resident Embassy or Consulate of the People’s Republic of China in the applicant’s home country or territory.

第八条 申请者应当向中国保监会提交申请材料。对拟设代表处的申请，中国保监会应当根据下列情况分别处理：
Article 8 The applicant shall submit its application documents to CIRC. CIRC shall handle all the applications according to the following conditions:

（一）申请材料存在可以当场更正的错误的，应当允许申请人当场更正；
(1) If the document has a mistake (mistakes) that can be corrected on the spot, the applicant shall be allowed to make the correction on the spot;

（二）申请材料不齐全或者不符合法定形式的，应当当场或者在5日内一次告知申请人需要补正的全部内容，逾期不告知的，自收到申请材料之日起即为受理；
(2) If the document is incomplete or does not comply with regulatory formats, the applicant shall be informed on the spot or within five days of all the required corrections at one time. If the applicant is not informed of such information in this period, then it is assumed that the application is accepted for review on the day it is received by CIRC;

（三）申请材料齐全、符合法定形式，或者申请人按照要求提交全部补正申请材料的，应当受理申请。
(3) If the document is complete and complies with regulatory formats, or after the applicant, upon request, has submitted additional documents and made necessary corrections, then the application shall be accepted for review.

中国保监会受理或者不予受理申请，应当出具加盖专用印章和注明日期的书面凭证。
Whether or not CIRC accepts the application for review, CIRC shall issue a written document with designated stamp and date indicated.

第九条 中国保监会应当自受理申请之日起20日内，作出批准或者不予批准的决定。
Article 9 Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve.

20日内不能作出决定的，经中国保监会主席批准，可以延长10日，并应当将延长期限的理由告知申请人。
If the decision can not be made in the said 20 days, at the approval of the Chairman of CIRC, the said period can be extended 10 more days and the applicant shall be informed of reasons for the extension.

决定批准的，颁发批准书；决定不予批准的，应当书面说明理由。
If CIRC decides to approve the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.

第十条 代表处领取批准书后，应当按有关规定办理工商登记。
Article 10 After a representative office receiving the official document of approval, it shall register with the State Administration of Industry and Commerce in line with relevant rules.

代表处应当自领取批准书之日起3个月内迁入固定的办公场所；
The representative office shall move into its official premises within three months from the date on which the approval document is issued;

超过3个月仍未迁入固定办公场所的，原批准书自动失效。
the approval document shall automatically become invalid if the said deadline is not observed.

第十一条 在中国境内已设立2个以上代表处的外国保险机构，可以向中国保监会提出申请，指定其中一个代表处为总代表处。
Article 11 Any foreign insurance institution that has already established no less than two representative offices in China shall be allowed to apply to CIRC to appoint one of its representative offices as a general representative office.

第十二条 外国保险机构申请指定总代表处，应当提交由董事长或者总经理签署的致中国保监会主席的申请书。
Article 12 In applying to appoint the general representative office, foreign insurance institutions shall submit a letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.

总代表处的设立程序与代表处的设立程序相同。
The application for setting up a general representative office is subject to the same rules governing the application of a representative office.

第三章 监督管理
Chapter Ⅲ Supervision and Administration

第十三条 代表处的名称应当依次由下列内容组成：“外国保险机构名称”、“所在城市名称”和“代表处”；
Article 13 The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + name of the city where the representative office is to be located + representative office;

总代表处的名称应当依次由下列内容组成：“外国保险机构名称”和“驻中国总代表处”。
The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + general representative office in China.

第十四条 代表机构除主要负责人外，其他主要工作人员应当称 “代表”、“副代表”。
Article 14 Except the principal responsible person, other major staff members shall be entitled “Representative” or “Deputy Representative”.

第十五条 代表机构工作人员应当遵守中国的法律法规，品行良好，无不良记录。
Article 15 Employees of representative office shall abide by Chinese laws and regulations, with high integrity and clean record.

第十六条 总代表应当具备8年以上工作经历、大学专科以上学历；
Article 16 A general representative shall have a work experience above 8 years and hold a junior college degree or a higher academic degree;

首席代表应当具备５年以上工作经历、大学专科以上学历。
a chief representative shall have a work experience above 5 years, and hold a junior college degree or a higher academic degree.

总代表和首席代表不具备大学专科以上学历的，应当具备10年以上保险从业经历。
Without a junior college degree, the general representative or chief representative shall have a work experience above 10 years in the insurance business.

第十七条 每个代表机构的外籍工作人员最多不得超过3人。
Article 17 A maximum of three employees of foreign nationality are allowed in each representative office.

第十八条 代表机构及其工作人员，不得与任何法人或者自然人签订可能给代表机构或者所代表的外国保险机构带来收入的协议或者契约，也不得参与任何经营性活动。
Article 18 A representative office and its employees shall not enter into any agreement or contract with any legal or natural persons, which might generate an income to the representative office or the foreign insurance institution it represents, and shall not be involved in business activities of any kind.

第十九条 代表机构应当有独立、固定的办公场所和专职的工作人员。
Article 19 A representative office shall have official premises, necessary office facilities and full-time staff.

第二十条 总代表或首席代表不得在2个以上代表机构中任职；也不得在中国境内任何经营性机构中任职。
Article 20 The General Representative or Chief Representative shall not work in two or more representative offices or any business institution in China.

第二十一条 总代表或者首席代表应当常驻代表机构主持日常工作，离开代表机构连续1个月以上的，应当指定专人代行其职，并书面报告当地中国保监会派出机构。
Article 21 The General Representative or Chief Representative shall attend to the daily activities of the representative office on a permanent basis. If he or she consecutively stays away from the representative office for a period or more than one month, he or she shall delegate his or her responsibility as the General Representative or Chief Representative to a person specially appointed, and submit a written report to the local branch office of CIRC.

第二十二条 代表机构应当在每年２月底前向当地中国保监会派出机构报送上一年度的工作报告一式两份，由中国保监会派出机构转报中国保监会。
Article 22 A representative office shall submit two copies of its annual work report of the previous year before the end of each February to the CIRC’s local branch office, who shall then forward the report to CIRC’s head office.

工作报告应当按中国保监会规定的格式填写。
The work report shall follow the format prescribed by CIRC.

第二十三条 代表机构每年在其代表的外国保险机构会计年度结束后的6个月内，应当分别向中国保监会和当地中国保监会派出机构报送其所代表的外国保险机构上一年度的年报。
Article 23 A representative office shall submit the annual report of the foreign insurance institution it represents to both CIRC and CIRC’s local branch office within six months after the end of each accounting year of the foreign insurance institution.

第二十四条 代表机构代表的外国保险机构有下列情形之一的，代表机构应当自事件发生之日起10日内，向中国保监会提交书面报告，同时抄报当地中国保监会派出机构：
Article 24 If any following major event occurs in an insurance institution that has maintained a representative office in China, the representative office shall, within 10 days after the occurrence of the event, submit a written report to CIRC and copy the report to CIRC’s local branch office.

（一）公司章程、注册资本或者注册地址变更；
(1) A change in its articles of association, register capital, and registered business address;

（二）分立、合并或者主要负责人变动；
(2) Division or merger or change of top management;

（三）经营严重亏损；
(3) Serious losses resulted in business operation;

（四）因违法、违规行为受到处罚；
(4) Penalties imposed for violations of laws and regulations;

（五）外国保险机构所在国家或者地区的有关主管当局对其实施重大监管措施；
(5) Major regulatory actions taken against it by the regulatory authorities of its home country or territory;

（六）对经营有重大影响的其他事项。
(6) Other matters which may seriously disrupt business operation of the foreign insurance institution.

第二十五条 代表机构更换总代表或者首席代表的，应当向中国保监会申请，并提交下列材料：
Article 25 In case of changing a General Representative or Chief Representative, the representative office shall apply to CIRC, and submit the following documents:

（一）由其代表的外国保险机构董事长或者总经理签署的致中国保监会主席的申请书；
(1) A letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;

（二）由其代表的外国保险机构董事长或者总经理签署的拟任总代表或者首席代表的授权书；
(2) Power of attorney of the proposed General Representative or chief representative signed by the Chairman of the Board of Directors or General Manager;

（三）拟任总代表或者首席代表的身份证明、学历证明和简历。
(3) Proof of personal identity certificates, certificate of academic degree and resume of the proposed General Representative or Chief Representative.

第二十六条 代表机构撤销的，应当由代表机构向中国保监会申请，并提交由其所代表的外国保险机构董事长或者总经理签署的致中国保监会主席的申请书。
Article 26 If a foreign insurance institution intends to terminate its representative office’s operation, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.

第二十七条 代表机构变更名称，应当向中国保监会申请，并提交由其所代表的外国保险机构董事长或者总经理签署的致中国保监会主席的申请书以及相关更名证明。
Article 27 If a foreign insurance institution intends to change the name of its representative office, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution, together with other relevant proving documents about the renaming.

第二十八条 代表机构出现本办法第二十五条、第二十六条、第二十七条规定情形向中国保监会提出申请的，中国保监会应当自收到完整申请材料之日起20日内，作出批准或者不予批准的决定。
Article 28 Under the situation stipulated in Article 25, Article 26, and Article 27, CIRC shall make a decision on whether to approve or disapprove of the application within 20 days from the date of receiving a complete set of application documents.

决定批准的，颁发批准书；决定不予批准的，应当书面说明理由。
If a decision of approval is made, it shall issue an approval document; if a decision of disapproval is made, it shall notify the applicant in writing and give the reasons.

第二十九条 代表机构只能在所在城市的行政辖区内变更办公地址。
Article 29 A representative office can change its office location within the same administrative area it resides only.

代表机构应当自变更办公地址之日起5日内向当地中国保监会派出机构报告，并提交新办公地址的电话和传真号码。
The concerned representative office shall submit CIRC’s local branch office of its new office address, telephone and fax numbers within 5 days from the date of changing.

第三十条 代表机构更换或者增减代表、副代表、外籍工作人员，应当自更换或者增减人员之日起5日内向当地中国保监会派出机构报告，并提交被任命人员的身份证明、学历证明和简历。
Article 30 In case of changing, increasing or reducing the number of Representatives, Deputy Representatives, or foreign employees, the concerned representative office shall report to CIRC’s local branch office within 5 days from the date of changing, and submit the proof of personal identity certificates, certificate of academic degree and resume of the nominated personnel.

第三十一条 代表处经批准变更为总代表处的，原代表处自动撤销，总代表处应当自中国保监会批准变更之日起1个月内办理代表处的工商注销手续。
Article 31 When a representative office is approved to be changed to a general representative office, the original representative office is cancelled automatically. The general representative office shall apply to the State Administration of the Industry and Commerce for cancellation of the registration of the representative office within one month from the date of CIRC’s approval within one month from the date of CIRC’s approval.

第三十二条 外国保险机构的代表处撤销后，总代表处是其惟一驻华代表机构的，总代表处应当将总代表处变更为代表处。
Article 32 If a general representative office is the only representative office in China after the insurance institution it represents withdraws all other representative offices, the general representative office shall be changed into a representative office.

总代表处应当向中国保监会提出变更申请，并提交由其所代表的外国保险机构董事长或者总经理签署的申请书。
The general representative office shall apply to CIRC by submitting an application letter regarding such change signed by the Chairman of the Board of Directors or General Manager of the concerned foreign insurance institution.

中国保监会应当自收到申请书之日起20日内，作出批准或者不予批准的决定。
Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve.

决定批准的颁发批准书；决定不予批准的应当书面说明理由。
If CIRC decides to accept the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.

总代表处经批准变更为代表处的，总代表处自动撤销，代表处应当自中国保监会批准变更之日起1个月内办理总代表处的工商注销手续。
When a general representative office is approved to be changed to a representative office, the original general representative office is cancelled automatically. The representative office shall apply to the State Administration of the Industry and Commerce for cancellation of its registration within one month from the date of CIRC’s approval.

第三十三条 代表处撤销后，其代表的外国保险机构设有总代表处的，由总代表处负责未了事宜；
Article 33 After a representative office of the foreign insurance institution is terminated by the CIRC, all the issues left unsettled shall be taken over and handled by its general representative office in China;

没有设立总代表处的，由其代表的外国保险机构的其他代表处负责未了事宜；
if there is no such a general representative office, responsibilities on all issues left unsettled shall be taken over and handled by the foreign insurance institution’s other representative offices in China;

其代表的外国保险机构的所有代表机构均已撤销的，由其代表的外国保险机构负责未了事宜。
if there is no any other representative office in China, responsibilities on all issues left unsettled shall be borne by the foreign insurance institution itself.

第三十四条 中国保监会及其派出机构依法对代表机构进行日常和年度检查。日常和年度检查的内容包括：
Article 34 CIRC and its local branch offices conduct general supervision and annual inspection over the representative offices of foreign institutions in regard to the following issues:

（一）代表机构变更事项的手续是否完备；
(1) The completeness of the procedures for the changes made by the representative office;

（二）各项申报材料的内容与实际情况是否相符；
(2) The truthfulness of the documents and materials submitted to CIRC;

（三）代表机构工作人员的任用或者变更手续是否完备；
(3) The completeness of the procedures for the appointments or changes of staff members of representative offices;

（四）代表机构是否从事经营性活动；
(4) Whether or not representative offices are conducting business activities;

（五）中国保监会及其派出机构认为需要检查的其他事项。
(5) Other items required by CIRC and its local branch offices.

第四章 法律责任
Chapter Ⅳ Legal Liability

第三十五条 违反本办法，未经批准擅自设立代表机构的，中国保监会依法予以取缔。
Article 35 Any representative office established without approval, in violation of certain provisions of these Rules, shall be banned by CIRC in accordance with law.

第三十六条 违反本办法规定从事保险经营活动的，由中国保监会按照有关法律、法规的规定予以处罚；
Article 36 If a representative office is engaged in financial business activities in violation of these Rules, it shall be punished by CIRC in line with relevant laws and regulations.

从事保险业以外经营性活动的，由中国保监会给予警告，情节严重的，处以3万元以下的罚款。
If a representative office is engaged in profit-seeking operational activities other than insurance business, it shall be imposed a disciplinary warning or a fine below RMB 300,000 yuan.

第三十七条 未按规定提交本办法第二十二条、第二十三条、第二十四条要求的报告或者材料的，由当地中国保监会派出机构给予警告，责令改正。
Article 37 If a representative office fails to submit relevant reports or documents as stipulated in Article 22, 23, 24 of these Rules to CIRC, it shall be imposed a warning and ordered to make correction by CIRC’s local branch office.

第三十八条 对违反本办法的行为负有直接责任的代表机构工作人员，由中国保监会根据情节轻重，处以警告，单处或者并处5000元以下的罚款。
Article 38 Employees of a representative office being with direct responsibility for activities violating these Rules shall be imposed by CIRC with a disciplinary warning and /or a fine below RMB 5000 yuan, according to the seriousness of the cases.

第三十九条 代表机构提供虚假信息或者隐瞒重要事实的，给予警告。
Article 39 CIRC may issue a disciplinary warning to a representative office involved in providing false information or concealing important facts.

第四十条 违反本办法其他规定的，责令改正；逾期未改正的，给予警告。
Article 40 CIRC may order the representative offices, found in violation of other provisions stipulated in these Rules, to make corrections; those who do not make corrections within a prescribed time period shall be issued a disciplinary warning.

第五章 附则
Chapter Ⅴ Supplementary Provisions

第四十一条 香港、澳门和台湾地区的保险机构在内地设立的代表机构，比照适用本办法。
Article 41 These Rules shall, mutatis mutandis, apply to the representative offices established in the mainland by insurance institutions from the Hong Kong Special Administrative Region, the Macao Special Administrative Region, and Taiwan region.

第四十二条 经中国保监会批准设立的外国保险机构驻华办事处，比照适用本办法。
Article 42 These Rules shall, mutatis mutandis, apply to the resident offices of foreign insurance institutions approved to establish in China by CIRC.

第四十三条 本办法所称“以上”、“以下”、“以内”，包括本数。
Article 43 The terms “above”, “below” and “within” used to indicate a threshold number shall include the number itself.

第四十四条 本办法有关批准、报告期间的规定是指工作日，不含节假日。
Article 44 The approval and reporting periods prescribed in these Rules concerning licensing and reporting periods refer to working days, which exclude weekends and public holidays.

第四十五条 本办法由中国保监会负责解释。
Article 45 CIRC shall be responsible for the interpretation of these Rules.

第四十六条 本办法自2004年3月1日起施行。中国保监会1999年11月26日发布的《外资保险机构驻华代表机构管理办法》同时废止。
Article 46 These Rules shall be effective as of March 1, 2004, and the Rules on Administration of Representative Offices of Foreign Insurance Institutions, issued by CIRC on November 26, 1999 shall be repealed simultaneously.