保险保障基金管理办法 Decree of the China Insurance Regulator_法律英语

保险保障基金管理办法 Decree of the China Insurance Regulator

文章来源：文章作者：发布时间：2007-07-07 03:10 字体： [大中小]　进入论坛

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保监会令[2004年]16号

颁布日期：20041230 　实施日期：20050101 　颁布单位：中国保险监督管理委员会

　　[2004] No. 16

　　The Measures for the Administration of Insurance Protection Fund， which were deliberated and adopted at the chairmen's executive meeting of the China Insurance Regulatory Commission on December 29， 2004， are hereby promulgated¹ and shall come into force as of January 1， 2005.

　　Chairman Wu Dingfu

　　December 30， 2004

　　Measures on Governing Insurance Protection Fund

　　Chapter I General Provisions

　　Article 1 With a view of regulating the payment， administration and use of insurance protection fund， guaranteeing the interests of policyholders， effectively dissolving financial risks and maintaining the financial stabilization²， the present Measures are formulated³ in accordance with Article 97 and other provisions of the Insurance Law of the People's Republic China （hereinafter referred to as the Insurance Law）。

　　Article 2 For the purpose of the present Measures， the “insurance companies” shall refer to the commercial insurance companies established upon approval of the insurance regulatory institution and registered according to law， including Chinese-funded insurance companies， Chinese-foreign joint⁴ venture insurance companies， solely⁵ foreign-funded insurance companies and branches of foreign insurance companies.

　　For the purpose of the present Measures， the “insurance protection fund” refers to the statutory fund paid by insurance companies in accordance with the Insurance Law and to be paid for providing relief to the policyholders or companies with ceded⁶ policies according to the principles of centralized management and planned use as a whole when an insurance company is revoked⁷， goes bankruptcy⁸ or is under any of circumstances as recognized by the China Insurance Regulatory Commission （hereinafter referred to as the CIRC） in accordance with Article 20 of the present Measures.

　　For the purpose of the present Measures， the “policyholders” shall refer to the parties of insurance contracts who have the power to claim for policy-related benefits when an insurance company is revoked or goes bankruptcy， including the applicants⁹ for insurance， the insured or the beneficiaries.

　　For the purpose of the present Measures， the “company with ceded policies”shall refer to a life insurance company that accepts the legally transferred life insurance contracts from an insurance company that is revoked or goes bankruptcy.

　　Article 3 The insurance protection fund shall be fallen into the protection fund of property insurance companies and the protection fund of life insurance companies.

　　The protection fund of property insurance companies shall be formed by the payments from property insurance companies， comprehensive reinsurance companies and property reinsurance companies.

　　The protection fund of life insurance companies shall be founded by the payments from life insurance companies， health insurance companies and life reinsurance companies.

　　Article 4 The administration and use of the insurance protection fund shall adhere to the principles of openness， reasonableness and effectiveness.

　　Article 5 The insurance protection fund shall be subject to the CIRC's centralized management and planned use as a whole.

　　Chapter II Payment

　　Article 6 In the case of insurance business under the scope of relief from the insurance protection fund， an insurance company shall pay the insurance protection fund according to the following proportions：

　　（1） 1% of self-retaining premiums¹⁰ for the property insurance， accidental injury insurance and short-term health insurance；

　　（2） 0.15% of self-retaining premiums for long-term life insurance with a guaranteed interest rate and long-term health insurance；

　　（3） 0.05% of self-retaining premiums for long-term life insurance without a guaranteed interest rate； and

　　（4） The payment proportion for other insurance business of insurance companies shall be separately prescribed by the CIRC.

　　Article 7 The CIRC shall open a special account for the insurance protection fund， which shall be assessed on the basis of different accounts of insurance companies.

　　Article 8 An insurance company shall in time and sufficiently¹¹ pay the insurance protection fund into the special account for the insurance protection fund， however if the insurer is under any of the following circumstances， its payment of the insurance protection fund can be paused：

　　（1） in case the insurance protection fund surplus of a property insurance company， comprehensive reinsurance company or property reinsurance company amounts to 6% of its total assets； or

　　（2） in case the insurance protection fund surplus of a life insurance company， health insurance company or life reinsurance company amounts to 1% of its total assets.

　　Where the insurance protection fund surplus of an insurer reduces or its total assets increase and thus the proportion of the insurance protection fund to the total assets cannot satisfy the requirements as provided for by the preceding Paragraph， its payment of the insurance protection fund shall be automatically resumed.

　　The insurance protection fund surplus of an insurance company equals to the accumulatively paid insurance protection fund plus the apportioned¹² investment incomes minus the various expenses.

　　Article 9 In case an insurance company is revoked or declared bankrupt and its insurance protection fund surplus is not enough for the relief that should be granted to policyholders or the company with ceded policies， the insufficient¹³ amount shall be the market share calculated upon the self-retaining premiums of other companies in the previous year， minus the insurance protection fund surplus.

　　Article 10 The insurance protection fund paid by an insurer shall be calculated on a yearly basis and be prepaid on a quarterly basis.

　　The insurance protection fund shall be prepaid by an insurer within 15 working days after the following quarter， and shall settle it within four months after the end of each year.

　　Article 11 The CIRC may adjust the payment proportion， the upper limit of scale and the payment methods of the insurance protection fund on the basis of the actual situations of insurance industry development and the risk.

　　Chapter III Administration and Supervision¹⁴

　　Article 12 The principles of safety， profitability and fluidity shall be adhered to in using the insurance protection fund， and the guarantee of asset safety is the precondition of the maintenance and increment¹⁵ of asset values.

　　The use of insurance protection fund shall be confined to the bank deposits， dealings of government bonds and other forms as prescribed by the CIRC for using the fund. No insurance protection fund may be used for the investments in equities¹⁶， real estate or other industries.

　　The CIRC may authorize¹⁷ a professional investment management institution for the use of insurance protection fund.

　　Article 13 The insurance protection fund council shall undertake the responsibility for supervising the administration and use of insurance protection fund.

　　Article 14 The insurance protection fund council consists of such institutions as the insurance companies， the Legislative¹⁸ Affairs Office of the State Council， the Ministry¹⁹ of Finance， the People's Bank of China and State Administration of Taxation²⁰.

　　The measures for the work of the insurance protection fund council shall be separately prescribed by the CIRC.

　　Article 15 The CIRC shall， within five months after the end of each fiscal²¹ year， complete the audited²² financial report about the insurance protection fund， and make it public to the council， member entities²³ and all insurance companies.

　　Chapter IV Use

　　Article 16 In case an insurance company is revoked or declared bankrupt， and its liquidation²⁴ properties are insufficient for paying the policy-related benefits， the insurance protection fund shall offer relief to the policyholders of non-life insurance contracts in accordance with the following principles：

　　（1） Policyholders' losses that are no more than 50，000 yuan will be fully²⁵ covered by the insurance protection fund；

　　（2） For individual policyholders， in the case of the losses in excess of 50，000 yuan， the insurance protection fund will cover 90 percent of the extra part； for corporate²⁶ policyholders， in the case of the losses in excess of 50，000 yuan， the insurance protection fund will cover 80 percent of the extra part.

　　The policyholders' losses as mentioned in the preceding Paragraph refer to the balance between the policyholders' policy-related benefits and the compensations recovered from the liquidation properties.

　　Article 17 In case a life insurance company is revoked or declared bankrupt， its life insurance contracts shall be transferred to another life insurance company. If it cannot reach an assignment agreement with other life insurance company， the CIRC will designate a life insurance company to take over the said life insurance contracts.

　　Article 18 In case the liquidation assets of an insurance company that is revoked or declared bankrupt are insufficient to reimburse²⁷ the policy-related benefits under life insurance contracts， the insurance protection fund shall offer relief to the companies with ceded policies in accordance with the following principles：

　　（1） For individual policyholders， relief from the policy-related benefits after the transfer shall not exceed 90 percent of policy-related benefits prior to the transfer； and

　　（2） For corporate policyholders， relief from the policy-related benefits after the transfer shall be no more than 80 percent of policy-related benefits prior to the transfer.

　　A company with ceded policies shall evaluate policyholders' policy-related benefits after the transfer in light of the standards as prescribed in the preceding Paragraph， and hereby revise life insurance contracts with the policyholders.

　　Article 19 In case an insurance company is revoked or declared bankrupt， the policyholders shall sign agreements for transferring debts and credits prior to the end of liquidation， the insurance protection fund shall offer relief to the policyholders and policyholders shall transfer debts and credits of the insurance company to the insurance protection fund.

　　After the liquidation， if the compensations obtained by the insurance protection fund exceed the paid relief， the insurance protection fund shall return the balance to policyholders.

　　Article 20 In the event of a significant crisis facing the insurance industry that may seriously endanger social public interests and financial stabilization， the CIRC can draw on the insurance protection fund.

　　Article 21 The insurance protection fund will not cover losses from any of the following businesses of an insurance company：

　　（1） insurance businesses that are directly undertaken overseas by an insurance company and inward transactions from abroad；

　　（2） policy insurance businesses of an insurance company； and

　　（3） any other insurance business as identified by the CIRC that is not under the scope of relief from the insurance protection fund.

　　Chapter V Legal Liabilities

　　Article 22 Any insurance company in violation²⁸ of this Measures shall be ordered to correct and be imposed upon a fine of 50，000 yuan up to 300，000 yuan； in case the circumstances are serious， its scope of businesses may be restricted and it may be ordered to stop undertaking²⁹ new businesses or its business permit for insurance businesses shall be withdrawn³⁰.

　　The senior management personnel and persons directly responsible for the illegal acts shall be given warnings or ordered to be dismissed or replaced and be imposed upon a fine of 20，000 yuan up to 100，000 yuan in light of the different circumstances.

　　Chapter VI Supplementary³¹ Articles

　　Article 23 The insurance companies shall， within three months as of the implementation³² day of this Measures， pay 50% of the submitted insurance protection fund into a special account for the insurance protection fund as opened by the CIRC， and the remaining part shall be paid off within one year as of the implementation day of this Measures.

　　Article 24 The power to interpret this Measures shall be vested in the CIRC.

　　Article 25 The present Measures shall be implemented³³ as of January 1， 2005.

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收听单词发音

1 promulgated
v.宣扬（某事物）( promulgate的过去式和过去分词 )；传播；公布；颁布（法令、新法律等）
参考例句：
Hence China has promulgated more than 30 relevant laws, statutes and regulations. 中国为此颁布的法律、法规和规章多达３０余项。来自汉英非文学 - 白皮书 The shipping industry promulgated a voluntary code. 航运业对自律守则进行了宣传。来自辞典例句

2 Stabilization
稳定化
参考例句：
The position of barycentre on plane directly impacts the stabilization and manipulation of plane. 飞机重心位置直接影响飞机的稳定和操纵特性。 With the higher olefins, stabilization of the energetic intermediates occurs more easily. 在较高的烯烃情况下，高能的中间物稳定作用更易出现。

3 formulated
v.构想出( formulate的过去式和过去分词 )；规划；确切地阐述；用公式表示
参考例句：
He claims that the writer never consciously formulated his own theoretical position. 他声称该作家从未有意识地阐明他自己的理论见解。来自《简明英汉词典》 This idea can be formulated in two different ways. 这个意思可以有两种说法。来自《现代汉英综合大词典》

4 joint
adj.联合的，共同的；n.关节，接合处；v.连接，贴合
参考例句：
I had a bad fall,which put my shoulder out of joint.我重重地摔了一跤，肩膀脫臼了。 We wrote a letter in joint names.我们联名写了封信。

5 solely
adv.仅仅，唯一地
参考例句：
Success should not be measured solely by educational achievement.成功与否不应只用学业成绩来衡量。 The town depends almost solely on the tourist trade.这座城市几乎完全靠旅游业维持。

6 ceded
v.让给，割让，放弃( cede的过去式 )
参考例句：
Cuba was ceded by Spain to the US in 1898. 古巴在1898年被西班牙割让给美国。 A third of the territory was ceded to France. 领土的三分之一割让给了法国。来自《简明英汉词典》

7 revoked
adj.[法]取消的v.撤销，取消，废除( revoke的过去式和过去分词 )
参考例句：
It may be revoked if the check is later dishonoured. 以后如支票被拒绝支付，结算可以撤销。来自辞典例句 A will is revoked expressly. 遗嘱可以通过明示推翻。来自辞典例句

8 bankruptcy
n.破产；无偿付能力
参考例句：
You will have to pull in if you want to escape bankruptcy.如果你想避免破产，就必须节省开支。 His firm is just on thin ice of bankruptcy.他的商号正面临破产的危险。

9 applicants
申请人，求职人( applicant的名词复数 )
参考例句：
There were over 500 applicants for the job. 有500多人申请这份工作。 He was impressed by the high calibre of applicants for the job. 求职人员出色的能力给他留下了深刻印象。

10 premiums
n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价
参考例句：
He paid premiums on his life insurance last year. 他去年付了人寿保险费。来自《现代英汉综合大词典》 Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。来自《简明英汉词典》

11 sufficiently
adv.足够地，充分地
参考例句：
It turned out he had not insured the house sufficiently.原来他没有给房屋投足保险。 The new policy was sufficiently elastic to accommodate both views.新政策充分灵活地适用两种观点。

12 apportioned
vt.分摊，分配（apportion的过去式与过去分词形式）
参考例句：
They apportioned the land among members of the family. 他们把土地分给了家中各人。 The group leader apportioned them the duties for the week. 组长给他们分派了这星期的任务。来自《现代汉英综合大词典》

13 insufficient
adj.(for，of)不足的，不够的
参考例句：
There was insufficient evidence to convict him.没有足够证据给他定罪。 In their day scientific knowledge was insufficient to settle the matter.在他们的时代，科学知识还不能足以解决这些问题。

14 supervision
n.监督，管理
参考例句：
The work was done under my supervision.这项工作是在我的监督之下完成的。 The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。

15 increment
n.增值，增价；提薪，增加工资
参考例句：
Each increment of knowledge tells us more of our world.知识的点滴增长都会增进我们对世界的认知。 She receives a salary increment each year.她每年得到加薪。

16 equities
普通股，股票
参考例句：
These are invested mainly in the OECD bonds and equities. 这些资产主要投资于经济合作及发展组织的债券与股票市场。 They are also advantage of the global rebound in equities. 它们还在利用全球股市反弹的机会。

17 authorize
v.授权，委任；批准，认可
参考例句：
He said that he needed to get his supervisor to authorize my refund.他说必须让主管人员批准我的退款。 Only the President could authorize the use of the atomic bomb.只有总统才能授权使用原子弹。

18 legislative
n.立法机构，立法权；adj.立法的，有立法权的
参考例句：
Congress is the legislative branch of the U.S. government.国会是美国政府的立法部门。 Today's hearing was just the first step in the legislative process.今天的听证会只是展开立法程序的第一步。

19 ministry
n.(政府的)部；牧师
参考例句：
They sent a deputation to the ministry to complain.他们派了一个代表团到部里投诉。 We probed the Air Ministry statements.我们调查了空军部的记录。

20 taxation
n.征税，税收，税金
参考例句：
He made a number of simplifications in the taxation system.他在税制上作了一些简化。 The increase of taxation is an important fiscal policy.增税是一项重要的财政政策。

21 fiscal
adj.财政的，会计的，国库的，国库岁入的
参考例句：
The increase of taxation is an important fiscal policy.增税是一项重要的财政政策。 The government has two basic strategies of fiscal policy available.政府有两个可行的财政政策基本战略。

22 audited
v.审计，查账( audit的过去式和过去分词 )
参考例句：
The accounts have to be audited by a firm of external auditors. 这些账目必须由一家外聘审计员的公司来稽查。来自《简明英汉词典》 E. g. few if any charities collection publishes audited accounts. 例如很少义款收集有公布经过查核的帐目。来自互联网

23 entities
实体对像；实体，独立存在体，实际存在物( entity的名词复数 )
参考例句：
Our newspaper and our printing business form separate corporate entities. 我们的报纸和印刷业形成相对独立的企业实体。 The North American continent is made up of three great structural entities. 北美大陆是由三个构造单元组成的。

24 liquidation
n.清算，停止营业
参考例句：
The bankrupt company went into liquidation.这家破产公司停业清盘。 He lost all he possessed when his company was put into liquidation.当公司被清算结业时他失去了拥有的一切。

25 fully
adv.完全地，全部地，彻底地；充分地
参考例句：
The doctor asked me to breathe in,then to breathe out fully.医生让我先吸气，然后全部呼出。 They soon became fully integrated into the local community.他们很快就完全融入了当地人的圈子。

26 corporate
adj.共同的，全体的；公司的，企业的
参考例句：
This is our corporate responsibility.这是我们共同的责任。 His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。

27 reimburse
v.补偿，付还
参考例句：
We'll reimburse you for your travelling expenses.我们将付还你旅费。 The funds are supposed to reimburse policyholders in the event of insurer failure.这项基金将在保险公司不能偿付的情况下对投保人进行赔付。

28 violation
n.违反(行为)，违背(行为)，侵犯
参考例句：
He roared that was a violation of the rules.他大声说，那是违反规则的。 He was fined 200 dollars for violation of traffic regulation.他因违反交通规则被罚款200美元。

29 undertaking
n.保证，许诺，事业
参考例句：
He gave her an undertaking that he would pay the money back with in a year.他向她做了一年内还钱的保证。 He is too timid to venture upon an undertaking.他太胆小，不敢从事任何事业。

30 withdrawn
vt.收回；使退出；vi.撤退，退出
参考例句：
Our force has been withdrawn from the danger area.我们的军队已从危险地区撤出。 All foreign troops should be withdrawn to their own countries.一切外国军队都应撤回本国去。

31 supplementary
adj.补充的，附加的
参考例句：
There is a supplementary water supply in case the rain supply fails.万一主水源断了，我们另外有供水的地方。 A supplementary volume has been published containing the index.附有索引的增补卷已经出版。

32 implementation
n.实施，贯彻
参考例句：
Implementation of the program is now well underway.这一项目的实施现在行情看好。

33 implemented
v.实现( implement的过去式和过去分词 )；执行；贯彻；使生效
参考例句：
This agreement, if not implemented, is a mere scrap of paper. 这个协定如不执行只不过是一纸空文。来自《现代汉英综合大词典》 The economy is in danger of collapse unless far-reaching reforms are implemented. 如果不实施影响深远的改革，经济就面临崩溃的危险。来自辞典例句

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