Guidelines for Compliance Management by Insurance Companies

保险公司合规管理指引

These Guidelines aim to help insurance companies cope with compliance risks through specialized corporate governance stipulations.

Clp Reference: 3910/07.09.07 Promulgated: 2007-09-07 Effective: 2008-01-01

(Issued by the China Insurance Regulatory Commission on September 7 2007 and effective as of January 1 2008.)

(中国保险业监督管理委员会于二零零七年九月七日印发,自二零零八年一月一日起施行。)

Bao Jian Fa [2007] No.91

保监发 [2007] 91号

PART ONE: GENERAL PROVISIONS

第一章 总则

Article 1: These Guidelines have been formulated pursuant to such laws and regulations as the PRC Company Law, the Provisions for the Administration of Insurance Companies, and the Guiding Opinions on Regulating the Governance Structure of Insurance Companies (Trial Implementation) in order to regulate the governance structure of insurance companies and strengthen compliance management by insurance companies.

第一条 为了规范保险公司治理结构,加强保险公司合规管理,根据《中华人民共和国公司法》、《保险公司管理规定》、《关于规范保险公司治理结构的指导意见(试行)》等法律法规,制订本指引。

Article 2: For the purposes of these Guidelines, the term "compliance" means that the insurance business and management acts of an insurance company, its employees and its marketing personnel shall comply with laws and regulations, the provisions of the regulatory authority, the self-regulation rules of the industry, the company's internal management rules and the ethical standard of good faith.

第二条 本指引所称的合规是指保险公司及其员工和营销员的保险经营管理行为应当符合法律法规、监管机构规定、行业自律规则、公司内部管理制度以及诚实守信的道德准则。

For the purposes of these Guidelines, the term "compliance risk" means the risk of legal liability, regulatory penalties, financial losses or loss of reputation triggered by non-compliant insurance business and management acts by an insurance company, its employees or its marketing personnel.

本指引所称的合规风险是指保险公司及其员工和营销员因不合规的保险经营管理行为引发法律责任、监管处罚、财务损失或者声誉损失的风险。

Article 3: Compliance management is the act whereby an insurance company prevents, identifies, assesses, reports and counters compliance risks through measures such as the establishment of a compliance management department or compliance positions, formulating and implementing compliance policies, implementing compliance monitoring and providing compliance training. Compliance management is one of the core aspects of the comprehensive risk management of insurance companies and is one of the fundamental tasks in implementing effective internal controls.

第三条 合规管理是保险公司通过设置合规管理部门或者合规岗位,制定和执行合规政策,开展合规监测和合规培训等措施,预防、识别、评估、报告和应对合规风险的行为。合规管理是保险公司全面风险管理的一项核心内容,也是实施有效内部控制的一项基础性工作。

An insurance company shall, in accordance with the requirements hereof, formulate and improve compliance management rules, improve its compliance management organizational structure, clarify responsibilities for compliance management, establish a compliance management system and effectively identify and actively guard against and eliminate compliance risks so as to ensure the stable operations of the company.

保险公司应当按照本指引的要求,建立健全合规管理制度,完善合规管理组织架构,明确合规管理责任,构建合规管理体系,有效识别并积极主动防范化解合规风险,确保公司稳健运营。

Article 4: Everyone has a responsibility for compliance. An insurance company shall promote and foster a good compliance culture, endeavour to foster an awareness of compliance among all of its employees and marketing personnel and treat the creation of a compliance culture as an important integral part of the creation of the company culture.

第四条 合规人人有责。保险公司应当倡导和培育良好的合规文化,努力培育全体员工和营销员的合规意识,并将合规文化建设作为公司文化建设的一个重要组成部分。

Compliance shall commence from the top. The board of directors and the senior management personnel of an insurance company shall promote compliance concepts such as voluntary compliance and compliance creating value in the company's promotion of the ethical standard and values in respect of good faith so as to foster the effective interaction of the insurance company's internal compliance management and external regulation.

合规应当从高层做起。保险公司董事会和高级管理人员应当在公司倡导诚实守信的道德准则和价值观念,推行主动合规、合规创造价值等合规理念,促进保险公司内部合规管理与外部监管的有效互动。

Article 5: The China Insurance Regulatory Commission (the CIRC) and its agencies shall conduct monitoring inspections of the compliance management of insurance companies in accordance with the law.

第五条 中国保监会及其派出机构依法对保险公司合规管理实施监督检查。

PART TWO: COMPLIANCE DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY BOARD AND GENERAL MANAGER

第二章 董事会、监事会和总经理的合规职责

Article 6: The board of directors of an insurance company bears the ultimate responsibility for the company's compliance management and shall perform the following compliance duties:

第六条 保险公司董事会对公司的合规管理承担最终责任,履行以下合规职责:

(1) considering and approving compliance policies, monitoring the implementation of such policies and carrying out annual assessments of the implementation of such policies;

(一) 审议批准合规政策,监督合规政策的实施,并对实施情况进行年度评估;

(2) considering, approving and submitting to the CIRC the company's annual compliance reports and taking measures to solve the issues reflected in such reports;

(二) 审议批准并向中国保监会提交公司年度合规报告,对年度合规报告中反映出的问题,采取措施解决;

(3) deciding on the engagement, dismissal and remuneration of the compliance officer based on the recommendation of the general manager;

(三) 根据总经理提名决定合规负责人的聘任、解聘及报酬事项;

(4) deciding on the establishment of the company's compliance management department and its functions;

(四) 决定公司合规管理部门的设置及其职能;

(5) ensuring that the compliance officer can communicate independently with the board of directors, the audit committee of the board of directors or other special committee; and

(五) 保证合规负责人独立与董事会、董事会审计委员会或者其它专业委员会沟通;

(6) other compliance duties as specified in the company's articles of association.

(六) 公司章程规定的其它合规职责。

Article 7: The audit committee of the board of directors of an insurance company shall perform the following compliance duties:

第七条 保险公司董事会审计委员会履行以下合规职责:

(1) reviewing and submitting to the board of directors the company's annual compliance reports;

(一) 审核并向董事会提交公司年度合规报告;

(2) regularly examining the company's semi-annual compliance reports;

(二) 定期审查公司半年度合规报告;

(3) listening to reports on compliance matters by the compliance officer and compliance management department, and submitting comments and proposals to the board of directors; and

(三) 听取合规负责人和合规管理部门有关合规事项的报告,并向董事会提出意见和建议;

(4) other compliance duties as specified in the company's articles of association or determined by the board of directors.

(四) 公司章程规定、董事会确定的其它合规职责。

An insurance company may, based on its own particular circumstances, designate another special committee established by the board of directors to perform the compliance duties specified in the preceding paragraph.

保险公司可根据自身情况指定董事会设立的其它专业委员会履行前款规定的合规职责。

Article 8: If an insurance company has a supervisor or supervisory board, the supervisor or supervisory board shall perform the following compliance duties:

第八条 保险公司设立监事或者监事会的,监事或者监事会履行以下合规职责:

(1) monitoring the performance by the board of directors and senior management personnel of their compliance duties;

(一) 监督董事会和高级管理人员合规职责的履行情况;

(2) monitoring whether the decisions and decision-making process of the board of directors are compliant;

(二) 监督董事会的决策及决策流程是否合规;

(3) submitting recommendations to dismiss directors or senior management personnel who trigger major compliance risks;

(三) 对引发重大合规风险的董事、高级管理人员提出罢免的建议;

(4) submitting recommendations to the board of directors to replace the company's compliance officer;

(四) 向董事会提出撤换公司合规负责人的建议;

(5) investigating, in accordance with the law, irregularities in the company's operations and requiring the company's compliance officer and compliance management department to give their assistance; and

(五) 依法调查公司经营中的异常情况,并可要求公司合规负责人和合规管理部门协助;

(6) other compliance duties as specified in the company's articles of association.

(六) 公司章程规定的其它合规职责。

Article 9: The general manager of an insurance company shall perform the following compliance duties:

第九条 保险公司总经理履行以下合规职责:

(1) establishing and enhancing the company's compliance management organizational structure based on the decisions of the board of directors, recommending a compliance officer to the board of directors, establishing the compliance management department and providing it sufficient resources to perform its duties;

(一) 根据董事会的决定建立健全公司合规管理组织架构,向董事会提名合规负责人,设立合规管理部门,并为其履行职责提供充分条件;

(2) reviewing the company's compliance policies submitted by the compliance officer and implementing the same after consideration by the board of directors;

(二) 审核合规负责人提交的公司合规政策,报经董事会审议后执行;

(3) organizing an identification and assessment of the company's compliance risks at least once each year and reviewing the company's compliance risk management plan for the following year;

(三) 每年至少组织一次对公司合规风险的识别和评估,并审核下年度公司合规风险管理计划;

(4) reviewing and submitting to the audit committee of the board of directors the company's annual and semi-annual compliance reports;

(四) 审核并向董事会审计委员会提交公司年度、半年度合规报告;

(5) taking appropriate remedial measures in a timely manner if he/she discovers that the company has committed non-compliant business or management acts, pursuing the attendant liability of the persons responsible for compliance violations and making reports thereon in accordance with provisions; and

(五) 发现公司有不合规的经营管理行为的,及时采取适当的补救措施,追究违规责任人的相应责任,并按规定进行报告;

(6) other compliance duties as specified in the company's articles of association or determined by the board of directors.

(六) 公司章程规定或者董事会确定的其它合规职责。

The general managers of the branches and core sub-branches of an insurance company shall perform the compliance duties specified in Items (3) and (5) of the preceding paragraph.

保险公司分公司和中心支公司总经理应当履行前款第(三)和第(五)项规定的合规职责。

PART THREE: COMPLIANCE OFFICER AND COMPLIANCE MANAGEMENT DEPARTMENT

第三章 合规负责人和合规管理部门

Article 10: An insurance company shall have a compliance officer. The compliance officer shall be a member of the senior management personnel of the head office of the insurance company. The compliance officer may not concurrently manage a business department or the finance department of the company.

第十条 保险公司应当设立合规负责人。合规负责人是保险公司总公司的高级管理人员。合规负责人不得兼管公司的业务部门和财务部门。

When an insurance company is to appoint a compliance officer, it shall submit his/her name for approval in accordance with the Provisions for the Administration of the Qualifications of the Directors and Senior Management Personnel of Insurance Companies and the relevant provisions of the CIRC.

保险公司任命合规负责人,应当根据《保险公司董事和高级管理人员任职资格管理规定》和中国保监会的有关规定申报核准。

When an insurance company dismisses its compliance officer, it shall report the same and give a reason therefor to the CIRC within 10 days after the dismissal.

保险公司解聘合规负责人的,应当在解聘后10日内向中国保监会报告并说明原因。

Article 11: The compliance officer of an insurance company shall be accountable to the general manager and board of directors and perform the following duties:

第十一条 保险公司合规负责人对总经理和董事会负责,并履行以下职责:

(1) formulating and revising the company's compliance policies and submitting them to the general manager for review;

(一) 制订和修订公司合规政策并报总经理审核;

(2) transmitting compliance policies considered and approved by the board of directors to all of the company's employees and marketing personnel and arrange for their implementation;

(二) 将董事会审议批准后的合规政策传达给公司全体员工和营销员,并组织执行;

(3) formulating under the guidance of the board of directors and the general manager the company's annual compliance risk management plans, having full responsibility for the company's compliance management work and leading the compliance management department or compliance positions;

(三) 在董事会和总经理领导下,制定公司年度合规风险管理计划,全面负责公司的合规管理工作,并领导合规管理部门或者合规岗位;

(4) submitting proposals to the general manager and the audit committee of the board of directors on a regular basis for improving compliance, and reporting, in a timely manner, to the general manager and audit committee of the board of directors major compliance violations committed by the company or its senior management personnel;

(四) 定期向总经理和董事会审计委员会提出合规改进建议,及时向总经理和董事会审计委员会报告公司和高级管理人员的重大违规行为;

(5) reviewing and signing off on various compliance documents, such as compliance reports issued by the compliance management department; and

(五) 审核并签字认可合规管理部门出具的合规报告等各种合规文件;

(6) other compliance duties as specified in the company's articles of association or determined by the board of directors.

(六) 公司章程规定或者者董事会确定的其它合规职责。

Article 12: The head office of an insurance company shall establish a compliance management department. An insurance company shall, depending on the scale of its business, its organizational structure and the requirements of its risk management work, establish compliance management departments or compliance positions in its (sub-)branches.

第十二条 保险公司总公司应当设置合规管理部门。保险公司应当根据业务规模、组织架构和风险管理工作的需要,在分支机构设置合规管理部门或者合规岗位。

The compliance management departments, compliance positions and compliance personnel of the (sub-)branches of insurance companies shall be accountable to the person in charge of the relevant (sub-)branch and the compliance management department or compliance positions at the next higher level.

保险公司分支机构的合规管理部门、合规岗位及其合规人员,对其所在分支机构的负责人和上级合规管理部门或者合规岗位负责。

An insurance company shall determine the organizational structure, duties and rights of its compliance management department or compliance positions in the form of compliance policies or other formal document and specify measures to ensure the independence thereof.

保险公司应当以合规政策或者其它正式文件的形式,确立合规管理部门和合规岗位的组织结构、职责和权利,规定确保其独立性的措施。

Article 13: An insurance company must ensure the independence of its compliance management department or compliance positions and implement independent budgets and assessments therefor. The compliance management department or compliance positions shall be independent from the business departments, finance department and internal audit department.

第十三条 保险公司必须确保合规管理部门和合规岗位的独立性,并对其实行独立预算和考评。合规管理部门和合规岗位应当独立于业务部门、财务部门和内部审计部门。

Article 14: The compliance management department shall perform the following duties:

第十四条 合规管理部门履行以下职责:

(1) assisting the compliance officer in formulating and revising the company's compliance policies and annual compliance risk management plans and promoting their thorough implementation, and assisting the senior management personnel in fostering the company's compliance culture;

(一) 协助合规负责人制订、修订公司的合规政策和年度合规风险管理计划,并推动其贯彻落实,协助高级管理人员培育公司的合规文化;

(2) organizing and coordinating the company's departments and (sub-)branches in formulating and revising position compliance handbooks and other compliance management rules and regulations;

(二) 组织协调公司各部门和分支机构制订、修订公司的岗位合规手册和其它合规管理规章制度;

(3) implementing compliance risk monitoring, identification and assessment, and reporting compliance risks;

(三) 实施合规风险监测,识别、评估和报告合规风险;

(4) preparing annual, semi-annual and other compliance reports;

(四) 撰写年度、半年度及其它合规报告;

(5) participating in the development of new products and new business, identifying and assessing compliance risks and providing compliance support;

(五) 参与新产品和新业务的开发,识别、评估合规风险,提供合规支持;

(6) being responsible for formulating and implementing the company's anti-money laundering rules;

(六) 负责公司反洗钱制度的制订和实施;

(7) organizing compliance training, implementing codes of conduct for employees and marketing personnel and providing compliance advice to employees and marketing personnel;

(七) 组织合规培训,贯彻员工和营销员行为准则,并向员工和营销员提供合规咨询;

(8) reviewing the company's important internal rules and regulations and business procedures, and proposing the formulation or revision of the company's internal rules and regulations and business procedures based on changes in, and the development of, laws, regulations, regulatory provisions, and the self-regulation rules of the industry;

(八) 审查公司重要的内部规章制度和业务流程,并根据法律法规、监管规定和行业自律规则的变动和发展,提出制订或者修订公司内部规章制度和业务流程的建议;

(9) maintaining routine work contact with the regulatory authority, assessing on an ongoing basis regulatory measures and requirements and providing relevant opinions and suggestions thereon; and

(九) 保持与监管机构的日常工作联系,跟踪评估监管措施和要求,反馈相关意见和建议;

(10) other compliance management duties as determined by the board of directors.

(十) 董事会确定的其它合规管理职责。

The specific duties of compliance positions shall be determined by the company with reference to the provisions of the preceding paragraph.

合规岗位的具体职责,由公司参照前款规定确定。

Article 15: An insurance company shall secure the enjoyment of the following rights by its compliance officer, compliance management department and compliance positions through rules and regulations:

第十五条 保险公司应当以规章制度保障合规负责人、合规管理部门和合规岗位享有以下权利:

(1) obtaining the information necessary to perform their compliance management duties through means such as attending meetings, reviewing documents, interviewing relevant personnel, receiving reports on compliance matters, etc.;

(一) 为了履行合规管理职责,通过参加会议、查阅文件、与有关人员交谈、接受合规情况反映等方式获取必要的信息;

(2) conducting independent investigations of persons who committed or may have committed compliance violations and of the events and, when necessary, engaging professionals or professional organizations to assist them in their work;

(二) 对违规或者可能违规的人员和事件进行独立调查,必要时可外聘专业人员或者机构协助工作;

(3) enjoying an unobstructed reporting channel and submitting reports to the general manager, the audit committee of the board of directors or the board of directors through the chain of reporting determined by the board of directors; and

(三) 享有通畅的报告渠道,根据董事会确定的报告路线向总经理、董事会审计委员会或者董事会报告;

(4) other rights as determined by the board of directors.

(四) 董事会确定的其它权利。

Article 16: An insurance company shall employ a sufficient number of compliance personnel for the compliance management department or compliance positions. Compliance personnel shall have the appropriate qualifications and experience to perform their duties, have professional knowledge in law, insurance, accounting, finance, etc., and, in particular, have the ability to comprehend laws, regulations, regulatory provisions, the self-regulation rules of the industry and the company's internal management rules. An insurance company shall enhance the professional skills of its compliance personnel through regular and systematic education and training.

第十六条 保险公司应当为合规管理部门或者合规岗位配备足够的合规人员。合规人员应当具有与其履行职责相适应的资质和经验,具有法律、保险、财会、金融等方面的专业知识,特别是应当具有把握法律法规、监管规定、行业自律规则和公司内部管理制度的能力。保险公司应当通过定期和系统的教育培训提高合规人员的专业技能。

The board of directors and senior management personnel shall support the compliance management department, compliance positions and compliance personnel in the performance of their work duties and take measures to genuinely ensure that the compliance management department, compliance positions and compliance personnel do not suffer unfair treatment as a result of performing their duties.

董事会和高级管理人员应当支持合规管理部门、合规岗位和合规人员履行工作职责,并采取措施切实保障合规管理部门、合规岗位和合规人员不因履行职责遭受不公正的对待。

Article 17: An insurance company shall employ full-time compliance personnel for the compliance management department of its head office. Qualified insurance companies shall employ full-time compliance personnel for the compliance management departments or compliance positions of their (sub-)branches.

第十七条 保险公司应当为总公司的合规管理部门配备专职的合规人员。有条件的保险公司应当为分支机构的合规管理部门或者合规岗位配备专职的合规人员。

Article 18: Compliance is not the responsibility solely of the compliance management department, compliance positions and professional compliance personnel, but the responsibility of each employee and each member of the marketing personnel of an insurance company. The departments and (sub-)branches of an insurance company shall bear direct and primary responsibility for the compliance management that falls within the scope of their duties.

第十八条 合规不仅是合规管理部门、合规岗位以及专业合规人员的责任,更是保险公司每一位员工和营销员的责任。保险公司各部门和分支机构对其职责范围内的合规管理负有直接和第一位的责任。

The departments and (sub-)branches of an insurance company shall take the initiative to carry out routine compliance self-examinations, submit compliance risk information or risk points to the compliance management department or compliance positions on a regular basis and support and cooperate in the risk monitoring and assessment of the compliance management department or compliance positions.

保险公司各部门和分支机构应当主动进行日常的合规自查,定期向合规管理部门或者合规岗位提供合规风险信息或者风险点,支持并配合合规管理部门或者合规岗位的风险监测和评估。

The compliance management department and compliance positions shall provide compliance support for the business activities of the company's departments and (sub-)branches and their employees and marketing personnel, and assist and guide the company's departments and (sub-)branches in formulating position compliance handbooks and carrying out compliance management.

合规管理部门和合规岗位应当向公司各部门、分支机构及其员工和营销员的业务活动提供合规支持,并帮助和指导公司各部门和分支机构制订岗位合规手册,进行合规管理。

Article 19: An insurance company shall establish a mechanism for coordination among the compliance management department and other risk management departments.

第十九条 保险公司应当在合规管理部门与其它风险管理部门间建立协作机制。

The other risk management departments of an insurance company shall be responsible for identifying and assessing various types of risks, including their own compliance risks, reporting relevant compliance risk information to the compliance management department and supporting the compliance risk monitoring and assessments of the compliance management department.

保险公司其它风险管理部门负责识别、评估包括自身合规风险在内的各类风险,并向合规管理部门报告相关合规风险信息,支持合规管理部门的合规风险监测和评估。

Article 20: The compliance management department of an insurance company shall be separate from the internal audit department and be subject to regular internal audits by the internal audit department.

第二十条 保险公司的合规管理部门应当与内部审计部门相分离,并接受内部审计部门定期的独立审计。

An insurance company shall establish a clear cooperation and information exchange mechanism between its compliance management department and internal audit department. Once an audit is completed, the internal audit department shall communicate the results and conclusions of its audit to the compliance management department. The compliance management department may also, at its own initiative, propose an audit to the internal audit department based on the results of its monitoring of compliance risks.

保险公司应当在合规管理部门与内部审计部门之间建立明确的合作和信息交流机制。内部审计部门在审计结束后,应当将审计情况和结论通报合规管理部门;合规管理部门也可以根据合规风险的监测情况主动向内部审计部门提出审计建议。

PART FOUR: COMPLIANCE MANAGEMENT

第四章 合规管理

Article 21: An insurance company shall formulate compliance policies and submit the same to the CIRC for the record after the consideration and approval thereof by the board of directors.

第二十一条 保险公司应当制订合规政策,经董事会审议通过后报中国保监会备案。

Compliance policies are programmatic documents for compliance management by an insurance company, and shall include at least the following:

合规政策是保险公司进行合规管理的纲领性文件,至少应当包括以下内容:

(1) the company's compliance management objectives and basic principles;

(一) 公司进行合规管理的目标和基本原则;

(2) the compliance culture promoted by the company;

(二) 公司倡导的合规文化;

(3) the compliance responsibilities of the board of directors and senior management personnel;

(三) 董事会、高级管理人员的合规责任;

(4) the company's compliance management framework and chain of reporting;

(四) 公司合规管理框架和报告路线;

(5) the status and duties of the compliance management department; and

(五) 合规管理部门的地位和职责;

(6) the company's main procedures for identifying and managing compliance risks.

(六) 公司识别和管理合规风险的主要程序。

An insurance company shall assess its compliance policies each year and, depending on compliance work requirements, revise the same.

保险公司应当每年对合规政策进行评估,并视合规工作需要进行修订。

Article 22: An insurance company shall formulate documents such as codes of conduct for employees and marketing personnel, and position compliance handbooks, implement the company's compliance policies and provide guidance to its employees and marketing personnel in implementing the compliance policies.

第二十二条 保险公司应当制订员工和营销员行为准则、岗位合规手册等文件,落实公司的合规政策,并为员工和营销员执行合规政策提供指引。

The codes of conduct for employees and marketing personnel shall specify the basic codes of conduct that all of the company's employees and marketing personnel are required to jointly observe and may specify particular requirements for directors, supervisors and senior management personnel. The position compliance handbook shall specify the business procedures and standards for each position.

员工和营销员行为准则应当规定公司所有员工和营销员必须共同遵守的基本行为准则,并可对董事、监事和高级管理人员提出专门要求。岗位合规手册应当规定各个工作岗位的业务操作程序和规范。

Article 23: An insurance company shall make explicit the chain of reporting of compliance risks, including the chain for reports to the compliance management department or compliance positions by the insurance company's marketing personnel, other company departments and their staff, the chain of reporting for compliance management departments or compliance positions at each level and the chain for reports by the company's compliance management department or compliance positions and the compliance officer to the general manager, the audit committee of the board of directors and the board of directors.

第二十三条 保险公司应当明确合规风险报告的路线,包括:保险公司营销员、公司其它部门及其员工向合规管理部门或者合规岗位的报告路线,各级合规管理部门或者合规岗位上报的路线,公司合规管理部门或者合规岗位和合规负责人向总经理、董事会审计委员会、董事会的报告路线。

An insurance company shall specify the duties of each person and unit along the chain of reporting, specify the contents, method and frequency of the reports of the reporting persons and requirements as to whether the persons who receive the reports directly handle the matter or forward the same to a higher level.

保险公司应当规定报告路线涉及的每个人员和机构的职责,明确报告人的报告内容、方式和频率以及接受报告人直接处理或者向上报告的规范要求。

Article 24: An insurance company shall identify, assess and monitor the compliance risks attaching to the following matters:

第二十四条 保险公司应当识别、评估和监测以下事项的合规风险:

(1) insurance business acts, including advertising, publicity, product development, sales, underwriting, claims handling, after-sale service, anti-money laundering, customer service, customer complaint handling, etc.;

(一) 保险业务行为,包括广告宣传、产品开发、销售、承保、理赔、保全、反洗钱、客户服务、客户投诉处理等;

(2) insurance capital application, including the provision of security, financing, investment, etc.;

(二) 保险资金运用行为,包括担保、融资、投资等;

(3) establishment, change, merger and closing down of, and strategic cooperation between, insurance organizations;

(三) 保险机构设立、变更、合并、撤销以及战略合作等行为;

(4) company internal management decision making and implementation of rules and regulations; and

(四) 公司内部管理决策行为和规章制度执行行为;

(5) other acts that could trigger compliance risks.

(五) 其它可能引发合规风险的行为。

Article 25: An insurance company's important internal management rules and business rules shall be submitted to the compliance management department for examination and be signed in approval by the compliance officer before their issuance and implementation.

第二十五条 保险公司重要的内部管理制度和业务规程在发布实施前,应当提交合规管理部门审查,并经合规负责人签字认可。

The compliance officer and compliance management department of an insurance company shall ensure the compliance of the company's important internal management rules and business rules.

保险公司合规负责人和合规管理部门应当确保公司重要的内部管理制度、业务规程的合规性。

Article 26: The compliance management department of an insurance company shall conduct various types of compliance surveys in the company upon the request of the senior management personnel, the audit committee of the board of directors or the board of directors.

第二十六条 保险公司合规管理部门应当按照高级管理人员、董事会审计委员会或者董事会的要求,在公司内进行各种合规调查。

Once a compliance survey is completed, the compliance management department shall prepare a report on the results and conclusions of the survey and submit the same to the unit that requested it.

合规调查结束后,合规管理部门应当就调查情况和结论制作报告,并报送提出调查要求的机构。

Article 27: The compliance management department of an insurance company shall establish a coordination mechanism with the company's human resources department, formulate compliance training plans, develop effective compliance training and education programmes and regularly organize compliance training.

第二十七条 保险公司合规管理部门应当与公司人力资源部门建立协作机制,制订合规培训计划,开发有效的合规培训和教育项目,定期组织合规培训工作。

The directors, supervisors and senior management personnel of an insurance company shall obtain compliance training appropriate to their duties. An employee shall receive compliance training when he/she enters the company, is promoted or is transferred to a different position.

保险公司董事、监事和高级管理人员应当获得与其职责相适应的合规培训。员工新入司、晋升和转岗,应当接受合规培训。

Article 28: An insurance company shall establish a mechanism for the reporting of compliance violations and ensure that each employee and member of the marketing personnel has the right and the means to report compliance violations.

第二十八条 保险公司应当建立违规事件举报机制,确保每一位员工和营销员都有权利和途径举报违规事件。

Article 29: An insurance company shall establish an effective compliance assessment and accountability system, treat compliance management as an important item of the company's annual performance assessments, assess and evaluate the performance by management personnel at every level of their compliance duties and pursue the liability of management personnel who commit compliance violations.

第二十九条 保险公司应当建立有效的合规考核和问责制度,将合规管理作为公司年度考核的重要指标,对各级管理人员的合规职责履行情况进行考核和评价,并追究违规事件管理人员的责任。

PART FIVE: EXTERNAL REGULATION OF COMPLIANCE MANAGEMENT

第五章 合规管理的外部监管

Article 30: The compliance management department of an insurance company shall be responsible for organizing the study of the important regulatory documents issued by the CIRC, issuing risk reminders and putting forth compliance proposals.

第三十条 保险公司合规管理部门负责组织学习中国保监会发布的重要监管文件,进行风险提示,并提出合规建议。

The compliance management department of an insurance company shall make inquiries to the CIRC in a timely manner, accurately understand and comprehend regulatory requirements and give feedback on the company's opinions and suggestions.

保险公司合规管理部门应当及时向中国保监会咨询,准确理解和把握监管要求,并反馈公司的意见和建议。

Article 31: An insurance company shall submit to the CIRC by April 30 each year its annual compliance report for the preceding year. The board of directors of the insurance company shall be liable for the truthfulness of the compliance report.

第三十一条 保险公司应当在每年4月30日前向中国保监会提交公司上一年度的年度合规报告。保险公司董事会对合规报告的真实性负责。

The company's compliance reports shall contain the following:

公司年度合规报告应当包括以下内容:

(1) an overview of the status of compliance management;

(一) 合规管理状况概述;

(2) the formulation, assessment and revision of compliance policies;

(二) 合规政策的制订、评估和修订;

(3) information on the compliance officer and compliance management department;

(三) 合规负责人和合规管理部门的情况;

(4) details of the company's internal management rules and business procedures;

(四) 公司内部管理制度和业务流程情况;

(5) information on the compliance of material business activities;

(五) 重要业务活动的合规情况;

(6) the operation of the compliance assessment and monitoring mechanism;

(六) 合规评估和监测机制的运行;

(7) the major compliance risks to which the company is exposed and countermeasures thereto;

(七) 面临的重大合规风险及应对措施;

(8) major compliance violations and the handling thereof;

(八) 重大违规事件及其处理;

(9) details of compliance training;

(九) 合规培训情况;

(10) issues in compliance management and improvement measures; and

(十) 合规管理存在的问题和改进措施;

(11) other information.

(十一) 其它。

The CIRC may, based on compliance requirements, require on an irregular basis an insurance company to submit various comprehensive compliance reports or compliance reports on specific matters.

中国保监会可以根据监管需要,不定期要求保险公司报送各种综合或者专项的合规报告。

Article 32: The CIRC shall regularly monitor and evaluate the compliance management of insurance companies through means such as compliance reports and onsite inspections, and the results of such evaluations shall serve as an important basis for the implementation of stratified regulation.

第三十二条 中国保监会定期通过合规报告或者现场检查等方式对保险公司合规管理工作进行监督和评价,评价结果作为实施分类监管的重要依据。

PART SIX: SUPPLEMENTARY PROVISIONS

第六章 附则

Article 33: These Guidelines shall apply to share system insurance companies, share system insurance holding (group) companies, wholly foreign-owned insurance companies and Sino-foreign equity joint venture insurance companies, and apply mutatis mutandis to wholly state-owned insurance companies, foreign insurance company branches and insurance asset management companies.

第三十三条 本指引适用于股份制保险公司、股份制保险控股(集团)公司、外商独资保险公司以及中外合资保险公司,国有独资保险公司、外国保险公司分公司以及保险资产管理公司参照适用。

Insurance holding (group) companies may formulate group-wide compliance policies and codes of conduct for employees and marketing personnel with reference to these Guidelines.

保险控股(集团)公司可以参照本指引制订集团统一的合规政策以及员工、营销员行为准则。

Article 34: The CIRC shall strengthen its guidance and promote the establishment and enhancement of compliance management systems by insurance companies based on the actual development of insurance companies and in line with the principles of differentiated treatment and stratified guidance.

第三十四条 中国保监会根据保险公司发展实际,采取区别对待、分类指导的原则,加强督导,推动保险公司建立和完善合规管理体系。

Insurance companies shall take into consideration their own particular circumstances and implement the requirements hereof by the deadline specified by the CIRC.

保险公司应当结合自身状况,在中国保监会规定的期限内落实本指引的各项要求。

Article 35: For the purposes of these Guidelines, the term "(sub-)branches of an insurance company" means an insurance company's branches and core sub-branches.

第三十五条 本指引所称保险公司分支机构,是指保险公司分公司和中心支公司。

Article 36: The CIRC shall be in charge of interpreting these Guidelines.

第三十六条 本指引由中国保监会负责解释。

Article 37: These Guidelines shall be effective as of January 1 2008.

clp reference:3910/07.09.07prc reference:保监发 [2007] 91 号promulgated:2007-09-07effective:2008-01-01

第三十七条 本指引自2008年1月1日起施行。

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