Measures for the Administration of Resident Representative Organizations in China of Foreign Insurance Institutions
中国保险监督管理委员会外国保险机构驻华代表机构管理办法
These measures impose further requirements on resident representative organizations in China of foreign insurance institutions, and facilitate the opening up of China's insurance market.
(Promulgated by the China Insurance Regulatory Commission on July 12 2006 and effective as of September 1 2006.)
Order of the CIRC No.5
(中国保险监督管理委员会于二零零六年七月十二日公布，自二零零六年九月一日起施行。)
PART ONE: GENERAL PROVISIONS
保监会令 [2006] 第5号
Article 1: These Measures have been formulated in accordance with the PRC Insurance Law, in order to strengthen the administration of resident representative organizations in China of foreign insurance institutions (Representative Organizations), and to accommodate the requirements of China's opening up of its insurance market.
Article 2: For the purposes of these Measures, the term “foreign insurance institution” means an insurance company, reinsurance company, insurance intermediary, insurance association or another insurance organization registered outside China.
第一章 总则
<For the purposes of these Measures, the term “Representative Organization” means a representative office or a general representative office of a foreign insurance institution approved to be established in China to conduct non-business activities such as liaison, market surveys and others.
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。
For the purposes of these Measures, the term “chief representative” means the principal responsible person of a representative office, and the term “general representative” means the principal responsible person of a general representative office.
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、保险协会及其他保险组织。
Article 3: A Representative Organization shall comply with the laws and regulations of China, and the relevant provisions of the China Insurance Regulatory Commission (CIRC).
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。
The lawful rights and interests of a Representative Organization are protected by the laws of China.
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。
Article 4: The CIRC is authorized by law and the State Council to perform regulatory duties in respect of Representative Organizations.
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。
Branch offices of the CIRC shall, within the scope authorized by the CIRC, carry out day-to-day regulation of Representative Organizations within their jurisdiction on behalf of the CIRC.
代表机构的合法权益受中国法律保护。
PART TWO: APPLICATION AND ESTABLISHMENT
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 5: A foreign insurance institution applying to establish a representative office (Applicant) shall meet the following conditions:
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。
(1) having good business performance;
第二章 申请与设立
(2) if the foreign insurance institution conducts insurance business, it shall have conducted such insurance business for at least 20 years; or if the foreign insurance institution does not conduct insurance business, it shall have been established for at least 20 years;
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：
(3) having no record of grave violations of laws or regulations in the three years prior to the application date; and
(一) 经营状况良好；
(4) other prudential conditions prescribed by the CIRC.
(二) 外国保险机构经营有保险业务的，应当经营保险业务20年以上，没有经营保险业务的，应当成立20年以上；
For the purposes of these Measures, the term “have conducted insurance business for at least 20 years” means that the foreign insurance institution has continuously conducted insurance business for at least 20 years. If the foreign insurance institution has acquired or merged with another organization, or established a new insurance institution with another organization, the calculation of the number of years conducting insurance business shall not be affected.
(三) 申请之日前3年内无重大违法违规记录；
The number of years of conducting insurance business by a subsidiary of a foreign insurance institution shall be counted starting from the date of establishment of such subsidiary.
(四) 中国保监会规定的其他审慎性条件。
The number of years of conducting insurance business by a foreign insurance group shall be counted starting from either of the following dates, whichever is the earlier:
本条所称经营保险业务20年以上，是指外国保险机构持续经营保险业务20年以上，外国保险机构吸收合并其他机构或者与其他机构合并设立新保险机构的，不影响其经营保险业务年限的计算。
(1) the date the group started to conduct insurance business; or
外国保险机构子公司经营保险业务的年限，自该子公司设立时开始计算。
(2) the date the subsidiary of the group that conducts insurance business started to conduct insurance business.
外国保险集团公司经营保险业务的年限，以下列两项时间中较早的一项时间开始计算：
Article 6: The applicant shall submit the following materials:
(一) 该集团开始经营保险业务的时间；
(1) the official application form;
(二) 该集团中经营保险业务的子公司开始经营保险业务的时间。
(2) an application letter addressed to the chairman of the CIRC and signed by the chairman of the board of directors or the general manager;
第六条 申请者应当提交下列材料：
(3) a photocopy of the business licence or proof of lawful commencement of business or proof of registration issued by the relevant competent authority of the applicant's domicile country or region;
(一) 正式申请表；
(4) the articles of association, and a list of members of the board of directors, management personnel or principal partners;
(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；
(5) annual reports of the three years prior to the date of application;
(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証明或者注册登记証明的复印件；
(6) an opinion issued by the relevant competent authority of the applicant's domicile country or region regarding the applicant's establishment of a representative office in China, or a letter of recommendation issued by its industry association. Such opinion or letter of recommendation shall mention the applicant's record of penalties received for the three years prior to the date of issue of the opinion or letter of recommendation;
(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；
(7) a feasibility and necessity study report regarding the establishment of the Representative Organization;
(五) 申请之日前3年的年报；
(8) a power of attorney of the chief representative signed by the chairman of the board of directors or the general manager;
(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；
(9) a declaration by the applicant that the proposed chief representative has not been subjected to penalties in his/her domicile country or region due to a grave violation of laws or regulations in the three years prior to the application date;
(七) 代表机构设立的可行性和必要性研究报告；
(10) the résumé of the proposed chief representative; and
(八) 由董事长或者总经理签署的首席代表授权书；
(11) other materials prescribed for submission by the CIRC.
(九) 申请者就拟任首席代表在申请日前3年没有因重大违法违规行为受到所在国家或者地区处罚的声明；
The photocopies of the business licence, proof of lawful commencement of business and proof of registration shall have been notarized by a lawfully established notary public of the applicant's domicile country or region, or authenticated by the Chinese embassy or consulate in such country or region.
(十) 拟任首席代表的简历；
Article 7: The applicant shall submit the application material to the CIRC. The CIRC shall handle the different applications for the proposed establishment of representative offices according to the following circumstances:
(十一) 中国保监会规定提交的其他资料。
(1) if a mistake that may be corrected at the time of submission is found in the application materials, the applicant shall be permitted to correct the mistake immediately;
“营业执照”、“合法开业証明”和 “注册登记証明”的复印件必须经其所在国家或者地区依法设立的公証机构公証或者经中国驻该国使、领馆认証。
(2) if the application materials are incomplete or do not comply with statutory formats, the applicant shall be notified once of all the required supplements and/or corrections at the time of submission or within five days. If the applicant has not been notified within the above period, the application shall be deemed accepted on the day the application materials are received; or
第七条 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：
(3) if the application materials are complete and comply with statutory formats, or if the applicant has supplemented and/or corrected all the application materials as required, the application shall be accepted.
(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；
The CIRC shall issue a written document, with its designated stamp affixed and date indicated, on whether or not the application is accepted.
(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；
Article 8: The CIRC shall review the application for establishment of a representative office in accordance with the principle of prudence and shall, within 20 days of acceptance of the application, render a decision on whether or not to approve the application. If the decision cannot be rendered within 20 days, with the approval of the chairman of the CIRC, the period may be extended for 10 days and the applicant shall be notified of the reason for the extension.
(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。
If the application is approved, an approval letter shall be issued. If the application is not approved, a written explanation shall be provided.
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証。
Article 9: Upon receipt of the approval letter, the representative office shall, in accordance with relevant provisions, carry out industry and commerce registration.
第八条 中国保监会根据审慎性原则对设立代表处的申请进行审查，并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。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。
The representative office shall, within three months of receipt of the approval letter, settle in permanent office premises, and shall submit to the CIRC a written report regarding the following matters:
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。
(1) proof of industry and commerce registration;
第九条 代表处领取批准书后，应当按有关规定办理工商登记。
(2) proof of the lawful right to use the office premises;
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，并向中国保监会书面报告下列事项：
(3) the telephone number, the facsimile number and the postal address of the office premises; and
(一) 工商登记注册証明；
(4) the mobile telephone number and the email address of the chief representative.
(二) 办公场所的合法使用权証明；
If the representative office has not submitted the written report to the CIRC within three months of the receipt of the approval letter, it shall be deemed that the representative office has not settled in permanent office premises and the approval letter shall automatically become void.
(三) 办公场所电话、传真、邮政通讯地址；
PART THREE: REGULATION
(四) 首席代表移动电话、电子邮箱。
Article 10: The name of a representative office shall contain, in order, the following: “name of the domicile country or region of the foreign insurance institution”, “name of the foreign insurance institution”, “name of the city where it is located” and “representative office”. The name of a general representative office shall contain, in order, the following: “name of the domicile country or region of the foreign insurance institution”, “name of the foreign insurance institution” and “general representative office in China”.
代表处自领取批准书之日起3个月内未向中国保监会提交书面报告的，视为未迁入固定办公场所，原批准书自动失效。
Article 11: Except for the principal responsible person, other major employees of a Representative Organization shall be known as “representatives” and “deputy representatives”.
第三章 监督管理
Article 12: Employees of a Representative Organization shall comply with the laws and regulations of China, be of good conduct, and have no record of grave violations of laws or regulations.
第十条 代表处的名称应当依次由下列内容组成：“外国保险机构所属国家或者地区名称”、“外国保险机构名称”、“所在城市名称”和“代表处”；总代表处的名称应当依次由下列内容组成：“外国保险机构所属国家或者地区名称”、“外国保险机构名称”和“驻中国总代表处”。
Article 13: A general representative and a chief representative shall have the academic qualifications, work experience and work ability necessary for the performance of their duties.
第十一条 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”。
The general representative shall have at least eight years of work experience and an associate's degree. A chief representative shall have at least five years of work experience and an associate's degree.
第十二条 代表机构工作人员应当遵守中国的法律法规，品行良好，无重大违法违规记录。
If the general representative or the chief representative does not hold at least an associate degree, he/she shall have at least ten years of work experience in the insurance industry.
第十三条 总代表和首席代表应当具备履行职责所需的学历、从业经历和工作能力。
Article 14: Each Representative Organization shall have no more than three foreign employees.
总代表应当具备8年以上工作经历、大学专科以上学历；首席代表应当具备5年以上工作经历、大学专科以上学历。
Article 15: A Representative Organization and its employees shall not, in any manner whatsoever, conduct or take part in any business activities.
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。
Article 16: A Representative Organization shall have independent and permanent office premises, and full-time employees.
第十四条 每个代表机构的外籍工作人员最多不得超过3人。
Article 17: A general representative or a chief representative may not be employed in two or more Representative Organizations, nor may they be employed by any business organizations in China.
第十五条 代表机构及其工作人员不得以任何方式从事或者参与经营性活动。
Article 18: A general representative or a chief representative shall be resident at the Representative Organization to take charge of day-to-day work, and such resident period shall be no less than 240 days in aggregate each year.
第十六条 代表机构应当有独立、固定的办公场所和专职的工作人员。
The general representative or the chief representative shall not be absent from the Representative Organization for a continuous period of more than 30 days each time. If the general representative or the chief representative is absent from the Representative Organization continuously for more than 14 days, he/she shall designate a particular person to carry out his/her duties and submit a written report to the local CIRC branch office.
第十七条 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 19: A Representative Organization shall, before the end of February each year, submit a work report of the previous year in duplicate to the local CIRC branch office. The CIRC branch office shall then submit the report to the CIRC.
第十八条 总代表或首席代表应当常驻代表机构主持日常工作，并且常驻时间每年累计不得少于240日。
The work report shall be filled in according to the format prescribed by the CIRC.
总代表或者首席代表离开代表机构的时间每次不得连续超过30日；离开代表机构连续超过14日的，应当指定专人代行其职，并向当地中国保监会派出机构书面报告。
Article 20: Each year, a Representative Organization shall, within six months after the end of the financial year of the foreign insurance institution that it represents, submit the annual report of the previous year of the foreign insurance institution that it represents to the CIRC and the local CIRC branch office separately.
第十九条 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 21: If any of the following circumstances applies to the foreign insurance institution that a Representative Organization represents, the Representative Organization shall, within 10 days of the occurrence of the event, submit a written report to the CIRC and at the same time copy such report to the local CIRC branch office:
工作报告应当按中国保监会规定的格式填写。
(1) changes to the company's articles of association, the registered capital or the registered address;
第二十条 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。
(2) a division or a merger, or changes to the principal responsible persons;
第二十一条 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：
(3) a serious business loss;
(一) 公司章程、注册资本或者注册地址变更；
(4) penalties imposed as a result of a violation of laws or regulations;
(二) 分立、合并或者主要负责人变动；
(5) serious regulatory measures imposed by the relevant competent authority of the foreign insurance institution's domicile country or region; or
(三) 经营严重亏损；
(6) other matters that will have a material impact on the business.
(四) 因违法、违规行为受到处罚；
Article 22: If a Representative Organization changes its general representative or chief representative, it shall submit an application to the CIRC, together with the following materials:
(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；
(1) an application letter addressed to the chairman of the CIRC and signed by the chairman of the board of directors or the general manager of the foreign insurance institution that the Representative Organization represents;
(六) 对经营有重大影响的其他事项。
(2) a power of attorney of the proposed general representative or chief representative signed by the chairman of the board of directors or the general manager of the foreign insurance institution that the Representative Organization represents;
第二十二条 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：
(3) proof of identification, proof of academic qualifications and r?um?of the proposed general representative or chief representative; and
(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；
(4) other materials prescribed by the CIRC.
(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；
Article 23: If a Representative Organization changes its name, it shall submit an application to the CIRC, together with the following materials:
(三) 拟任总代表或者首席代表的身份証明、学历証明和简历；
(1) an application form for the change of name;
(四) 中国保监会规定的其他材料。
(2) an application letter addressed to the chairman of the CIRC and signed by the chairman of the board of directors or the general manager of the foreign insurance institution that the Representative Organization represents; and
第二十三条 代表机构变更名称，应当向中国保监会申请，并提交下列材料：
(3) other materials prescribed by the CIRC.
(一) 名称变更申请表；
Article 24: A foreign insurance institution having two or more representative offices in China may designate one of these representative offices as its general representative office, but shall apply, in accordance with Article 23 hereof, to the CIRC to change the name of the representative office to general representative office.
(二) 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；
If the representative office has been approved to be changed to a general representative office, the general representative office shall, within one month from the date of the CIRC's approval of the change, amend the industry and commerce registration of the representative office in accordance with the law.
(三) 中国保监会规定的其他材料。
Article 25: If a Representative Organization changes its general representative or chief representative or changes its name and submits an application therefor to the CIRC in accordance with these Measures, the CIRC shall, within 20 days of acceptance of the application, render a decision on whether or not to approve the application.
第二十四条 在中国境内已设立2个以上代表处的外国保险机构，可以指定其中一个代表处为总代表处，但应当按照本办法第二十三条的规定，向中国保监会申请将代表处名称变更为总代表处。
If the application is approved, an approval letter shall be issued. If the application is not approved, a decision shall be made in writing and the reasons shall be explained.
代表处经批准变更为总代表处的，总代表处应当自中国保监会批准变更之日起1个月内依法办理代表处的工商变更登记。
Article 26: A Representative Organization may only change its office premises within the administrative region of the city in which it resides, and shall, within five days from the date of such change, submit to the CIRC and the local CIRC branch office a written report of the following matters:
第二十五条 代表机构变更总代表、首席代表或者变更名称，按照本办法规定向中国保监会提出申请的，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。
(1) proof of the lawful right to use the new office premises; and
决定批准的，颁发批准书；决定不予批准的，应当作出书面决定并说明理由。
(2) the telephone number, facsimile number and postal address of the new office premises.
第二十六条 代表机构只能在所在城市的行政辖区内变更办公场所，并应当自变更之日起5日内向中国保监会和当地中国保监会派出机构书面报告下列事项：
For the purposes of these Measures, the term “a change to office premises” includes the moving, expansion and reduction in size of the original office premises as well as the addition of new office premises.
(一) 新办公场所合法使用权証明；
Article 27: A Representative Organization that has been cancelled shall, within twenty days from the date of cancellation, submit to the CIRC a written report of the following matters:
(二) 新办公场所电话、传真、邮政通讯地址。
(1) an explanation of the cancellation of the Representative Organization; and
本条所称变更办公场所包括原有办公场所的搬迁、扩大、缩小或者新增办公场所等情形。
(2) a photocopy of the document from the foreign insurance institution cancelling the Representative Organization.
第二十七条 代表机构撤销的，应当自撤销之日起20日内，向中国保监会书面报告下列事项：
Article 28: If a Representative Organization replaces, or increases or reduces the number of, its representatives, deputy representatives or foreign employees, it shall, within five days from the date of replacement, addition or reduction, submit a report to the local CIRC branch office, together with the proof of identification, proof of academic qualifications and r?um? of the persons being appointed.
(一) 撤销代表机构的情况说明；
Article 29: If the general representative office of a foreign insurance institution becomes its only Representative Organization in China after the cancellation of its representative office, the general representative office shall, in accordance with Article 23 hereof, apply to the CIRC to change its name to representative office.
(二) 外国保险机构撤销代表机构文件的复印件。
If the general representative office has been approved to be changed to a representative office, the representative office shall, within one month from the date of the CIRC's approval of the change, amend its industry and commerce registration in accordance with the law.
第二十八条 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証明、学历証明和简历。
Article 30: After the cancellation of a representative office, if the foreign insurance institution that it represents has a general representative office in China, the general representative office shall be responsible for any uncompleted matters; if there is no general representative office, other representative office(s) of the foreign insurance institution shall be responsible for any uncompleted matters. If all of the Representative Organizations of the foreign insurance institution have been cancelled, the foreign insurance institution itself shall be responsible for any uncompleted matters.
第二十九条 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，总代表处应当按照本办法第二十三条的规定，向中国保监会申请将总代表处名称变更为代表处。
Article 31: The CIRC or its branch office at the locality may, for regulatory purposes, hold regulatory discussions with the general representative or the chief representative of a Representative Organization, point out the risks and request that an explanation be provided on relevant issues.
总代表处经批准变更为代表处的，代表处应当自中国保监会批准变更之日起1个月内依法办理工商变更登记。
Article 32: The CIRC and its branch offices shall, in accordance with the law, conduct day-to-day and annual inspections on Representative Organizations.
第三十条 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；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；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。
Day-to-day and annual inspections shall include:
第三十一条 中国保监会或者当地中国保监会派出机构根据监管需要，可以对代表机构的总代表或者首席代表进行监管谈话，提示风险，并要求其就有关问题作出说明。
(1) whether or not the procedures for changes in the Representative Organization have been completed;
第三十二条 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。
(2) whether or not the contents of various application materials conform to the actual circumstances;
日常和年度检查的内容包括：
(3) whether or not the procedures for the appointment or change of employees of the Representative Organization have been completed;
(一) 代表机构变更事项的手续是否完备；
(4) whether or not the Representative Organization engages in business activities; and
(二) 各项申报材料的内容与实际情况是否相符；
(5) other matters the inspection of which the CIRC or its branch office deems necessary..
(三) 代表机构工作人员的任用或者变更手续是否完备；
PART FOUR: LEGAL LIABILITY
(四) 代表机构是否从事经营性活动；
Article 33: If a Representative Organization is established without approval, in violation of these Measures, it shall be banned by the CIRC in accordance with the law.
(五) 中国保监会及其派出机构认为需要检查的其他事项。
Article 34: Those engaging in insurance business activities in violation of these Measures shall be punished by the CIRC in accordance with relevant laws and regulations.
第四章 MingLiu>法律责任
Article 35: If a Representative Organization fails to submit relevant reports or materials in accordance with these Measures, the CIRC or the local CIRC branch office shall order it to rectify the same within a prescribed time limit, give it a warning and, if the circumstances are serious, impose a fine of Rmb1,000.
第三十三条 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 36: For employees of a Representative Organization who are directly responsible for the insurance business activities of the Representative Organization that are in violation of these Measures, the CIRC shall give them a warning and, if the circumstances are serious, impose a fine of not more than Rmb5,000. For employees of a Representative Organization who are directly responsible for other non-business activities of the Representative Organization that are in violation of these Measures, the CIRC shall give them a warning and, if the circumstances are serious, impose a fine of not more than Rmb1,000.
第三十四条 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 37: If a Representative Organization provides false information or conceals material facts, it shall receive a warning.
第三十五条 未按照本办法规定提交有关报告或者材料的，由中国保监会或者当地中国保监会派出机构责令限期改正，予以警告，情节严重的，处以1000元罚款。
Article 38: If other provisions of these Measures are violated, rectification shall be ordered. If the rectification is not made within the prescribed time limit, a warning shall be given.
第三十六条 对代表机构违反本办法从事保险经营活动的行为负有直接责任的代表机构工作人员，由中国保监会予以警告，情节严重的，处以5000元以下罚款；对违反本办法的其他非经营行为负有直接责任的代表机构工作人员，由中国保监会予以警告，情节严重的，处以1000元以下罚款。
Article 39: Local CIRC branch offices shall report to the CIRC in a timely manner penalties imposed on Representative Organizations.
第三十七条 代表机构提供虚假信息或者隐瞒重要事实的，予以警告。
If a Representative Organization has been subjected to administrative penalties imposed by the CIRC or the local CIRC branch office three times or more, or the amount of its unlawful proceeds from conducting or taking part in business activities is significant, and there are grave consequences thereof, the CIRC may take such subjection to penalties into account when examining the prudential conditions required for the application to establish a foreign-invested insurance company in China made by the foreign insurance institution that the Representative Organization represents.
第三十八条 违反本办法其他规定的，责令改正；逾期未改正的，予以警告。
PART FIVE: SUPPLEMENTARY PROVISIONS
第三十九条 当地中国保监会派出机构应当及时将对代表机构处罚的情况向中国保监会报告。
Article 40: These Measures shall, mutatis mutandis, apply to the establishment of Representative Organizations on the mainland by insurance institutions from the Hong Kong, Macao and Taiwan regions.
代表机构受到中国保监会或者当地中国保监会派出机构3次以上行政处罚，或者从事、参与经营性活动违法所得数额巨大，危害严重的，中国保监会可以将其受处罚的情况作为其所代表的外国保险机构申请在中国设立外资保险公司的审慎性条件予以考虑。
Article 41: These Measures shall, mutatis mutandis, apply to resident offices in China of foreign insurance institutions approved to be established by the CIRC.
第五章 附则
Article 42: The official application form for the establishment of a representative office by a foreign insurance institution and the application form for a change to the name of a Representative Organization shall be provided by the CIRC.
第四十条 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 43: For the purposes of these Measures, the words “above”, “below” and “within” shall include the number itself.
第四十一条 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 44: Materials required to be submitted under these Measures shall be in Chinese. If the materials provided by the domicile country or region of a foreign insurance institution are in a foreign language, a Chinese translation shall be attached therewith. If there is inconsistency between the Chinese translation and the foreign language version, the Chinese translation shall prevail.
第四十二条 外国保险机构设立代表处的正式申请表和代表机构名称变更申请表由中国保监会提供。
Article 45: For the purposes of these Measures, the approval and reporting periods refer to working days and do not include public holidays.
第四十三条 本办法所称“以上”、“以下”、“以内”，包括本数。
Article 46: The CIRC is responsible for the interpretation of these Measures.
第四十四条 本办法规定提交的材料应当使用中文。外国保险机构所在国家或者地区提供的材料为外文的，应当附中文译本；中文译本与外文有歧义的，以中文译本为准。
Article 47: These Measures shall be effective as of
September 1 2006. The Measures for the Administration of Resident Representative Organizations in China of Foreign Insurance Institutions promulgated by the CIRC on January 15 2004 shall be simultaneously repealed.
第四十五条 本办法有关批准、报告期间的规定是指工作日，不含节假日。
* This is an edited version of the translation produced by Boss & Young, Attorneys at Law. ?Euromoney Institutional Investor (Jersey) Ltd 2007
第四十六条 本办法由中国保监会负责解释。
第四十七条 本办法自2006年8月1日起施行。中国保监会2004年1月15日发布的《外国保险机构驻华代表机构管理办法》同时废止。
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