\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">购买保险是现代社会进行风险管理的有效手段之一,随着经济社会发展、金融市场繁荣和人们风险意识增强,保险产品与个人、社会愈加息息相关。为更好保护金融消费者合法权益,预防销售误导虚假宣传等风险,减少保险消费纠纷隐患,引导社会公众树立科学理性投保意识,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">中国银保监会消费者权益保护局发布\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">2022年第3期风险提示\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">:提醒金融消费者掌握理性投保的五个注意要点,增强个人合法权益保护意识。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 20px\">一注意:选择有保险业务经营许可的合规机构\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">购买保险第一步,就是要认清保险机构资质。消费者应从持有保险业务经营许可的合规机构,或在保险机构办理有效职业登记的销售人员处办理保险业务。销售人员的执业登记信息,可登录银保监会官网-保险中介监管信息系统-保险中介从业人员查询。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">要特别注意的是\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">:以“xx互助”“xx联盟”“xx统筹”等为名的非保险机构推出的互助活动,不是保险或互助保险,不要与商业保险混淆。如\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">有\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">互助计划、机动车“交通安全统筹”等以互助保险名义或保险名义\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">进行\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">宣传,属于误导公众,经营此类业务的机构并非依法设立的保险公司,且部分经营组织的业务模式不可持续,相关承诺履行和资金安全难以有效保障,可能给消费者带来损失,蕴含较大风险。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 20px\">二注意:了解保险责任、责任免除等重要条款,防范销售误导风险\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">保险产品所提供的\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">保障范围均以合同条款中的保险责任为准\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">,消费者应当清楚理解所购买的保险产品保什么、不保什么、保费缴纳、保险金如何赔偿等,切勿“望文生义”“一勾到底”或是随意跟风购买,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">注意防范营销过程中混淆和模糊保险责任、夸大保险责任、虚假宣传等风险。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">在投保过程中,无论是线下购买或是在互联网平台购买,消费者均要仔细阅读保险条款,对特别提示的保险责任、责任免除、保费缴纳、保险金赔偿或给付、犹豫期、退保损失、风险告知等合同重要条款应明确理解后再签字,以有效保障自身权益。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 20px\">三注意:积极配合可回溯、“双录”、回访等环节,履行如实告知义务\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">为规范保险销售行为,切实保护消费者合法权益,银保监会出台了保险销售行为可回溯、金融机构销售“双录”等规定。同时,根据相关规定,保险公司应在犹豫期内对合同期限超过一年的人身保险新单业务进行回访,向投保人确认是否知悉保险责任、责任免除、犹豫期、退保损失等重要内容。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">可回溯、“双录”、回访等规定是对保险机构和保险销售人员的监督,督促其依法依规履行销售过程中的合同内容说明、免责条款提示、风险告知等义务\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">,也是保障消费者合法权益的重要手段,消费者应当积极配合,如实告知、如实答复回访问题,不清楚的地方可以要求保险公司进行详细解释。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 20px\">四注意:正确认识人身保险新型产品,不被“高收益”误导\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">分红保险、投资连结保险、万能保险等人身保险新型产品兼具\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">风险保障功能\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">和\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">长期储蓄功能\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">,不同保险产品对于风险保障功能和\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">长期储蓄功能\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">侧重不同,此类产品具有保单利益不确定等特征,但本质上仍属于保险产品,产品经营主体是保险公司。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">消费者不宜将人身保险新型产品与银行存款、国债、基金等金融产品进行片面比较,也不应轻信只强调“高收益”而不展示不利信息、承诺保证收益等不实宣传行为。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">此外,保障期限在一年期以上的人身保险产品均设有犹豫期。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">在犹豫期内,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 20px\">投保人可以无条件解除保险合同,保险公司除保单工本费以外,将退还全部保费。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 20px\">五注意:依法维护自身合法权益\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">若\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">发现销售人员在保险销售过程中存在误导销售\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">等\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">违规\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">行为,或认为自身权益受到侵犯,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">消费者\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">应注意保留\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">相应\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">证据,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">及时\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">向保险公司\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">投诉\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">或向行业调解组织申请调解,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">必要时还可以根据合同约定,申请仲裁或向法院\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">起诉\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">。\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">如果涉及要求查处违法违规行为的,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">可以向\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">监管部门举报。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 37px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">消费者要\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">通过正常渠道用法律武器维护自身权益,不轻信“代理维权”“代理退保”\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">等\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">虚假承诺,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">不\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">参与违背合同约定、提供虚假信息、编造事实的\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">不法行为\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;color: rgb(0, 0, 0);font-size: 20px\">。\u003C/span>\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>",false,0,true,"2022-04-26T01:57:20.000Z",{"id":18,"name":19,"route":10,"pic":10,"category":11,"intro":10,"content":20,"recommend":13,"listTop":14,"status":15,"createdAt":21,"updatedAt":21},"7a9410c8-a8a5-4a41-a0d5-862170058720"," 中国银保监会 住房和城乡建设部关于银行保险机构支持保障性租赁住房发展的指导意见 ","\u003Cp> \u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 仿宋_GB2312; font-size: 24px;\">各银保监局,各省、自治区、直辖市住房和城乡建设厅(委、管委),新疆生产建设兵团住房和城乡建设局,国家开发银行,各大型银行、股份制银行、外资银行、直销银行、金融资产管理公司、金融资产投资公司、理财公司,各保险集团(控股)公司、保险公司、保险资产管理公司、养老金管理公司:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">为深入贯彻党中央、国务院关于发展保障性租赁住房的决策部署,落实好《\u003C/span>\u003Cspan style=\"font-size: 24px;\">国务院办公厅关于加快发展保障性租赁住房的意见\u003C/span>\u003Cspan style=\"font-size: 24px;\">》(\u003C/span>\u003Cspan style=\"font-size: 24px;\">国办发〔2021〕22号\u003C/span>\u003Cspan style=\"font-size: 24px;\">)要求,\u003C/span>\u003Cspan style=\"font-size: 24px;\">进一步加强\u003C/span>\u003Cspan style=\"font-size: 24px;\">对\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性租赁住房建设运营的\u003C/span>\u003Cspan style=\"font-size: 24px;\">金融\u003C/span>\u003Cspan style=\"font-size: 24px;\">支持,现\u003C/span>\u003Cspan style=\"font-size: 24px;\">提出以下意见。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">一、总体要求\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(一)指导思想\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">以习近平新时代中国特色社会主义思想为指导,全面贯彻党的十九大和十九届\u003C/span>\u003Cspan style=\"font-size: 24px;\">历次\u003C/span>\u003Cspan style=\"font-size: 24px;\">全会\u003C/span>\u003Cspan style=\"font-size: 24px;\">及中央经济工作会议\u003C/span>\u003Cspan style=\"font-size: 24px;\">精神,立足新发展阶段、贯彻新发展理念、构建新发展格局,坚持房子是用来住的、不是用来炒的定位,\u003C/span>\u003Cspan style=\"font-size: 24px;\">构建\u003C/span>\u003Cspan style=\"font-size: 24px;\">多层次、广覆盖、风险可控、\u003C/span>\u003Cspan style=\"font-size: 24px;\">业务\u003C/span>\u003Cspan style=\"font-size: 24px;\">可持续的保障性租赁住房金融服务\u003C/span>\u003Cspan style=\"font-size: 24px;\">体系\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">加大对保障性租赁住房建设运营的支持力度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(二)基本原则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-autospace: ideograph-numeric;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">——以人民为中心。\u003C/span>\u003Cspan style=\"font-size: 24px;\">切实增加保障性租赁住房供给,尽最大努力帮助新市民、青年人等缓解住房困难,是党中央、国务院的重大决策部署,是“十四五”\u003C/span>\u003Cspan style=\"font-size: 24px;\">时期住房建设的\u003C/span>\u003Cspan style=\"font-size: 24px;\">重点任务。银行保险机构要切实\u003C/span>\u003Cspan style=\"font-size: 24px;\">提高政治站位,以不断增强人民群众获得感、幸福感、安全感为落脚点,将支持保障性租赁住房发展作为推进共同富裕的重要举措,做好对保障性租赁住房的金融支持。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-autospace: ideograph-numeric;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">——以市场化为导向。充分发挥市场在金融资源配置中的决定性作用,银行保险机构要在商业可持续的前提下,在科学测算收益的基础上,为保障性租赁住房发展提供多样化、有针对性的金融产品和服务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-autospace: ideograph-numeric;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">——以风险可控为前提。银行保险机构要严格遵守各项监管规定,规范保障性租赁住房融资管理,严格尽职调查,审慎评估风险,稳妥有序推进业务发展。有效防范金融风险,\u003C/span>\u003Cspan style=\"font-size: 24px;\">不得以保障性租赁住房的名义搞变通,打“擦边球”,进行监管套利\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-autospace: ideograph-numeric;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">——以多方协同为保障。\u003C/span>\u003Cspan style=\"font-size: 24px;\">各地\u003C/span>\u003Cspan style=\"font-size: 24px;\">应加快出台发展保障性租赁住房具体办法\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">建立健全住房租赁管理服务平台\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强与银行保险机构信息共享等,为银行保险机构支持保障性租赁住房创造良好的条件,形成支持保障性租赁住房发展的合力。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">二、\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">发挥各类机构优势,进一步加强金融支持\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(三)发挥好\u003C/span>\u003Cspan style=\"font-size: 24px;\">国家开发银行\u003C/span>\u003Cspan style=\"font-size: 24px;\">作用\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">国家开发银行要立足自身职能定位,在依法合规、风险可控的前提下,加大对保障性租赁住房项目的中长期信贷支持\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(四)\u003C/span>\u003Cspan style=\"font-size: 24px;\">支持商业银行提供专业化、多元化金融服务\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">商业银行要优化整合金融资源,\u003C/span>\u003Cspan style=\"font-size: 24px;\">积极对接\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性租赁住房\u003C/span>\u003Cspan style=\"font-size: 24px;\">开发建设、\u003C/span>\u003Cspan style=\"font-size: 24px;\">购买、\u003C/span>\u003Cspan style=\"font-size: 24px;\">装修改造、运营管理、\u003C/span>\u003Cspan style=\"font-size: 24px;\">交易结算\u003C/span>\u003Cspan style=\"font-size: 24px;\">等\u003C/span>\u003Cspan style=\"font-size: 24px;\">服务\u003C/span>\u003Cspan style=\"font-size: 24px;\">需求\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">提供\u003C/span>\u003Cspan style=\"font-size: 24px;\">专业化、多元化金融服务。\u003C/span>\u003Cspan style=\"font-size: 24px;\">农村中小金融机构要充分发挥与农村基层自治组织、合作社有良好合作历史的优势,优先支持利用集体经营性建设用地建设保障性租赁住房项目。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(五)\u003C/span>\u003Cspan style=\"font-size: 24px;\">引导保险机构为保障性\u003C/span>\u003Cspan style=\"font-size: 24px;\">租\u003C/span>\u003Cspan style=\"font-size: 24px;\">赁住房提供资金和保障支持\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">支持保险资金通过直接投资或认购债权投资计划、股权投资计划、保险私募基金等方式,为保障性租赁住房项目提供长期资金支持。支持保险机构为保障性租赁住房建设运营等环节提供财产损失、民事责任、人身意外伤害等风险保障。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px; font-weight: normal;\">(六)\u003C/span>\u003Cspan style=\"font-size: 24px; font-weight: normal;\">支持非银机构依法合规参与\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px; font-weight: normal;\">支持信托公司\u003C/span>\u003Cspan style=\"font-size: 24px;\">等\u003C/span>\u003Cspan style=\"font-size: 24px;\">发挥\u003C/span>\u003Cspan style=\"font-size: 24px;\">自身\u003C/span>\u003Cspan style=\"font-size: 24px;\">优势,依法合规\u003C/span>\u003Cspan style=\"font-size: 24px;\">参与\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性租赁住房建设运营。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">三、把握保障性租赁住房融资需求特点,提供针对性金融产品\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">和服务\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(七)以市场化方式向保障性租赁住房自持主体提供长期贷款\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">对利用集体经营性建设用地、企事业单位自有闲置土地、产业园区配套用地、新供应国有建设用地等新建自持保障性租赁住房项目或存量盘活项目,银行保险机构在综合考虑企业项目建设或购置,以及后续运营需求的基础上,以市场化方式提供适配其融资需求的产品。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(八)\u003C/span>\u003Cspan style=\"font-size: 24px;\">稳妥做好对非自有产权保障性租赁住房租赁企业\u003C/span>\u003Cspan style=\"font-size: 24px;\">的金融支持\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">鼓励银行业金融机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">按照依法合规、风险可控、商业可持续原则,向改建、改造存量房屋形成非自有产权保障性租赁住房的住房租赁企业提供贷款,为企业盘活、改建、装修、运营保障性租赁住房提供支持。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(九)\u003C/span>\u003Cspan style=\"font-size: 24px;\">探索符合保障性租赁住房特点的\u003C/span>\u003Cspan style=\"font-size: 24px;\">担保方式\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">支持\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行\u003C/span>\u003Cspan style=\"font-size: 24px;\">业金融\u003C/span>\u003Cspan style=\"font-size: 24px;\">机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">针对保障性租赁住房项目特点,\u003C/span>\u003Cspan style=\"font-size: 24px;\">稳妥有序\u003C/span>\u003Cspan style=\"font-size: 24px;\">开展应收租金、集体经营性建设用地使用权等抵质押贷款业务,增强贷款保障能力。\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强与融资担保机构在保障性租赁住房领域的合作,发挥\u003C/span>\u003Cspan style=\"font-size: 24px;\">政府性融资担保\u003C/span>\u003Cspan style=\"font-size: 24px;\">机构增信支持\u003C/span>\u003Cspan style=\"font-size: 24px;\">作用\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003Cspan style=\"font-size: 24px;\">鼓励保障性租赁住房项目业主在项目建设期为在建工程投保工程保险,在项目经营期为租赁经营的财产投保企业财产保险\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十)\u003C/span>\u003Cspan style=\"font-size: 24px;\">提供多样化金融服务\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">鼓励银行\u003C/span>\u003Cspan style=\"font-size: 24px;\">业金融机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">运用银团贷款加大对保障性租赁住房项目的融资支持。\u003C/span>\u003Cspan style=\"font-size: 24px;\">鼓励银行保险机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">在依法合规、风险可控的前提下,\u003C/span>\u003Cspan style=\"font-size: 24px;\">参与\u003C/span>\u003Cspan style=\"font-size: 24px;\">基础设施领域不动产投资信托基金(\u003C/span>\u003Cspan style=\"font-size: 24px;\">REITs\u003C/span>\u003Cspan style=\"font-size: 24px;\">)\u003C/span>\u003Cspan style=\"font-size: 24px; font-weight: normal;\">。\u003C/span>\u003Cspan style=\"font-size: 24px;\">鼓励银行保险机构为\u003C/span>\u003Cspan style=\"font-size: 24px;\">用于保障性租赁住房项目的\u003C/span>\u003Cspan style=\"font-size: 24px;\">公司债券、非金融企业债务融资工具等\u003C/span>\u003Cspan style=\"font-size: 24px;\">债券融资提供发行便利,加大债券投资力度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px; font-weight: normal;\">\u003Cspan style=\"font-family: 黑体;\">四、建立完善支持保障性租赁住房\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px; font-weight: normal;\">\u003Cspan style=\"font-family: 黑体;\">发展\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px; font-weight: normal;\">\u003Cspan style=\"font-family: 黑体;\">的内部机制\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(十一)\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强组织领导\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; margin-left: 0px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">各银行\u003C/span>\u003Cspan style=\"font-size: 24px;\">保险\u003C/span>\u003Cspan style=\"font-size: 24px;\">机构要\u003C/span>\u003Cspan style=\"font-size: 24px;\">切实\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强\u003C/span>\u003Cspan style=\"font-size: 24px;\">对支持保障性租赁住房业务的\u003C/span>\u003Cspan style=\"font-size: 24px;\">组织领导,结合\u003C/span>\u003Cspan style=\"font-size: 24px;\">自身\u003C/span>\u003Cspan style=\"font-size: 24px;\">发展战略,建立\u003C/span>\u003Cspan style=\"font-size: 24px;\">健全\u003C/span>\u003Cspan style=\"font-size: 24px;\">工作机制,强化统筹安排,明确职责分工,\u003C/span>\u003Cspan style=\"font-size: 24px;\">确保各项工作落到实处、取得实效。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十二)\u003C/span>\u003Cspan style=\"font-size: 24px;\">优化\u003C/span>\u003Cspan style=\"font-size: 24px;\">金融\u003C/span>\u003Cspan style=\"font-size: 24px;\">服务\u003C/span>\u003Cspan style=\"font-size: 24px;\">组织\u003C/span>\u003Cspan style=\"font-size: 24px;\">架构\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">鼓励\u003C/span>\u003Cspan style=\"font-size: 24px;\">有条件的\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行保险\u003C/span>\u003Cspan style=\"font-size: 24px;\">机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">通过成立专门服务部门、组建专营\u003C/span>\u003Cspan style=\"font-size: 24px;\">团队、\u003C/span>\u003Cspan style=\"font-size: 24px;\">成立\u003C/span>\u003Cspan style=\"font-size: 24px;\">特色分\u003C/span>\u003Cspan style=\"font-size: 24px;\">支机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">等多种形式\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">创新保障性租赁住房金融服务组织\u003C/span>\u003Cspan style=\"font-size: 24px;\">架构\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">提升\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性租赁住房\u003C/span>\u003Cspan style=\"font-size: 24px;\">金融服务专业化\u003C/span>\u003Cspan style=\"font-size: 24px;\">能力和\u003C/span>\u003Cspan style=\"font-size: 24px;\">水平。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十三)\u003C/span>\u003Cspan style=\"font-size: 24px;\">完善\u003C/span>\u003Cspan style=\"font-size: 24px;\">激励约束机制\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">银行保险机构要完善内部绩效考核,提高保障性租赁住房业务在房地产各项业务中的考核比重\u003C/span>\u003Cspan style=\"font-size: 24px;\">,积极推行保障性租赁住房融资内部资金转移\u003C/span>\u003Cspan style=\"font-size: 24px;\">定价\u003C/span>\u003Cspan style=\"font-size: 24px;\">优惠措施,提升业务条线和分支机构积极性。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">五、坚持支持与规范并重,坚守风险底线\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(十四)\u003C/span>\u003Cspan style=\"font-size: 24px;\">推动\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性租赁住房\u003C/span>\u003Cspan style=\"font-size: 24px;\">相关配套措施尽快落地\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">各地\u003C/span>\u003Cspan style=\"font-size: 24px;\">应尽快出台发展保障\u003C/span>\u003Cspan style=\"font-size: 24px;\">性\u003C/span>\u003Cspan style=\"font-size: 24px;\">租赁住房的具体办法,\u003C/span>\u003Cspan style=\"font-size: 24px;\">明确\u003C/span>\u003Cspan style=\"font-size: 24px;\">本地区利用集体经营性建设用地、企事业单位自有闲置土地、产业园区配套用地和非居住存量房屋建设保障性租赁住房的申请条件、流程及工作要求等\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十五)\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强保障性租赁住房项目监督管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">各地\u003C/span>\u003Cspan style=\"font-size: 24px;\">要加快建立健全住房租赁管理服务平台,加强对保障性租赁住房建设、出租和运营管理的全过程监督。严厉打击以保障性租赁住房为名骗取银行保险机构优惠政策行为。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十六)\u003C/span>\u003Cspan style=\"font-size: 24px;\">做好\u003C/span>\u003Cspan style=\"font-size: 24px;\">融资主体准入\u003C/span>\u003Cspan style=\"font-size: 24px;\">管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">各地要\u003C/span>\u003Cspan style=\"font-size: 24px;\">明确保障性租赁住房项目认定书制度,及时与银行保险机构共享本地区保障性租赁住房项目信息,\u003C/span>\u003Cspan style=\"font-size: 24px;\">定期\u003C/span>\u003Cspan style=\"font-size: 24px;\">向\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行保险机构公布合格住房租赁企业名单\u003C/span>\u003Cspan style=\"font-size: 24px;\">和\u003C/span>\u003Cspan style=\"font-size: 24px;\">企业经营信息,\u003C/span>\u003Cspan style=\"font-size: 24px;\">为\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行保险机构开展业务\u003C/span>\u003Cspan style=\"font-size: 24px;\">提供支持\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行保险机构要\u003C/span>\u003Cspan style=\"font-size: 24px;\">遵循审慎稳健和安全性原则,\u003C/span>\u003Cspan style=\"font-size: 24px;\">对取得保障性租赁住房项目认定书的,方可适用保障性租赁住房相关支持政策。不得\u003C/span>\u003Cspan style=\"font-size: 24px;\">介入已被有关部门列入违建或安全隐患管控的项目,不\u003C/span>\u003Cspan style=\"font-size: 24px;\">得\u003C/span>\u003Cspan style=\"font-size: 24px;\">向违规采取“高收低租”“长收短付”等高风险经营模式快速扩张的企业提供融资。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十七)\u003C/span>\u003Cspan style=\"font-size: 24px;\">把控好\u003C/span>\u003Cspan style=\"font-size: 24px;\">项目\u003C/span>\u003Cspan style=\"font-size: 24px;\">风险\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">银行保险机构要\u003C/span>\u003Cspan style=\"font-size: 24px;\">密切关注当地保障性租赁住房市场发展情况,科学合理测算保障性租赁住房项目的投入\u003C/span>\u003Cspan style=\"font-size: 24px;\">、\u003C/span>\u003Cspan style=\"font-size: 24px;\">收益和现金流,合规适度\u003C/span>\u003Cspan style=\"font-size: 24px;\">提供融资\u003C/span>\u003Cspan style=\"font-size: 24px;\">,严防过度授信、盲目放贷。\u003C/span>\u003Cspan style=\"font-size: 24px;\">要在\u003C/span>\u003Cspan style=\"font-size: 24px;\">负债控制、款项支付、工程进展、租金回款、资产抵押等方面采取有效的风控措施\u003C/span>\u003Cspan style=\"font-size: 24px;\">,有效防范金融风险。\u003C/span>\u003Cspan style=\"font-size: 24px;\">针对商品房开发项目配建的保障性租赁住房,应确保\u003C/span>\u003Cspan style=\"font-size: 24px;\">保障性\u003C/span>\u003Cspan style=\"font-size: 24px;\">租赁住房部分独立公允核算,实现专款专用。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(十八)\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强项目后续跟踪管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">银行\u003C/span>\u003Cspan style=\"font-size: 24px;\">业金融机构\u003C/span>\u003Cspan style=\"font-size: 24px;\">要落实\u003C/span>\u003Cspan style=\"font-size: 24px;\">贷款支付和用途管理\u003C/span>\u003Cspan style=\"font-size: 24px;\">,\u003C/span>\u003Cspan style=\"font-size: 24px;\">切实防范\u003C/span>\u003Cspan style=\"font-size: 24px;\">信贷\u003C/span>\u003Cspan style=\"font-size: 24px;\">资金违规挪用\u003C/span>\u003Cspan style=\"font-size: 24px;\">于其他用途。要持续加强企业财务和运营状况监测评估,加强租金回款\u003C/span>\u003Cspan style=\"font-size: 24px;\">监控\u003C/span>\u003Cspan style=\"font-size: 24px;\">,切实保障信贷资金安全\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char;\">\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">六、\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">加强支持保障性租赁住房\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">发展\u003C/span>\u003C/span>\u003Cspan style=\"font-family: 黑体; font-size: 24px;\">\u003Cspan style=\"font-family: 黑体;\">的监管引领\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-family: 楷体_GB2312; font-size: 24px;\">(十九)拓宽资金来源\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">支持银行业金融机构发行金融债券,募集资金用于保障性租赁住房贷款发放。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(二十)完善保障性租赁住房监管统计\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-left: 0px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">银行业金融机构向持有保障性租赁住房项目认定书的保障性租赁住房项目发放的有关贷款,\u003C/span>\u003Cspan style=\"font-size: 24px;\">不纳入房地产贷款集中度\u003C/span>\u003Cspan style=\"font-size: 24px;\">管理\u003C/span>\u003Cspan style=\"font-size: 24px;\">。\u003C/span>\u003Cspan style=\"font-size: 24px;\">银行业金融机构在计算“房地产贷款占比”指标时,将“保障性租赁住房开发贷款”“保障性租赁住房经营贷款”“保障性租赁住房购买贷款”从“房地产贷款余额”中予以扣除。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-layout-grid-mode: char; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">(二十一)\u003C/span>\u003Cspan style=\"font-size: 24px;\">加强风险管控\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">各级监管机构要加强业务指导和风险监测,建立健全保障性租赁住房金融风险\u003C/span>\u003Cspan style=\"font-size: 24px;\">监测和防控体系\u003C/span>\u003Cspan style=\"font-size: 24px;\">,定期监测辖内银行保险机构支持保障性租赁住房\u003C/span>\u003Cspan style=\"font-size: 24px;\">发展\u003C/span>\u003Cspan style=\"font-size: 24px;\">情况,做到风险早发现、早预警、早处置。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-size: 24px;\"> \u003C/span>\u003C/p>\u003Cp style=\"text-align: right; line-height: 43px; text-indent: 384px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">中国银保监会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: right; line-height: 43px; text-indent: 48px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">住房和城乡建设部\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: right; line-height: 43px; text-indent: 48px;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"font-size: 24px;\">2022\u003C/span>\u003Cspan style=\"font-size: 24px;\">年\u003C/span>\u003Cspan style=\"font-size: 24px;\">2\u003C/span>\u003Cspan style=\"font-size: 24px;\">月\u003C/span>\u003Cspan style=\"font-size: 24px;\">16\u003C/span>\u003Cspan style=\"font-size: 24px;\">日\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-size: 24px;\"> \u003C/span>\u003C/p>\u003Cp style=\"text-align: justify; line-height: 43px; text-indent: 48px; margin-right: 0px; -ms-text-autospace: ideograph-numeric; -ms-text-justify: inter-ideograph;\">\u003Cspan style=\"font-family: 宋体;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 24px; font-weight: normal;\">(此件发至银保监分局\u003C/span>\u003Cspan style=\"letter-spacing: 0px; font-size: 24px; font-weight: normal;\">与地方法人银行保险机构\u003C/span>\u003Cspan style=\"letter-spacing: 0px; font-size: 24px; font-weight: normal;\">)\u003C/span>\u003C/span>\u003C/p>\u003Cp> \u003C/p>\u003Cp> \u003C/p>","2022-03-09T02:10:07.000Z",{"id":23,"name":24,"route":10,"pic":10,"category":11,"intro":10,"content":25,"recommend":13,"listTop":14,"status":15,"createdAt":26,"updatedAt":26},"131dfeb3-5f2a-4bd5-886d-bfb83bd7f9e4","中国银行保险监督管理委员会 银保监办发〔2022〕13号","\u003Cp> 中国银保监会办公厅关于扩大专属商业养老保险试点范围的通知\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">各银保监局\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国人民人寿保险股份有限公司、中国人寿保险股份有限公司、太平人寿保险有限公司、中国太平洋人寿保险股份有限公司、泰康人寿保险有限责任公司、新华人寿保险股份有限公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,各养老保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">专属商业养老保险试点启动以来,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总体运行平稳,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">业务规模\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">稳步\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">增长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,试点公司积极创新产品和服务,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为消费者提供了\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">更多安全稳健的长期\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">养老保障\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">选择\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">进一步\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">探索商业养老保险发展经验,更好\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">满足人民群众多层次养老保障需求,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">同意,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">决定扩大专属商业养老保险试点范围。现将有关事项通知如下\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一、自\u003C/span>2022年3月1日起,专属商业养老保险试点\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">扩大到全国\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">范围\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在原有\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">6家\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">试点公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">基础上\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,允许\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">养老保险公司参加专属商业养老保险试点。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二、试点范围扩大后,相关监管要求适用《中国银保监会办公厅关于开展专属商业养老保险试点的通知》(银保监办发\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〔\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2021\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〕\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">57号)规定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三、各试点公司应当秉持长期经营理念,合理制定业务发展规划,有序推进各项工作。在坚决守住风险底线的前提下,持续创新产品,增强养老保障功能。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">要\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">服务民生大局,积极探索满足新产业、新业态从业人员和灵活就业人员多样化需求。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四、各银保监局要加强与当地相关部门和单位的沟通协调,做好政策解读,营造试点发展的良好氛围。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">要\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">持续加强监管,规范市场秩序,坚决查处各类损害消费者权益的行为。对\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">试点\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">过程中发现的问题,及时向银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">办公厅\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 14px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 0;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2022年\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">15\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日\u003C/span>\u003C/span>\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2022-02-23T03:22:33.000Z",{"id":28,"name":29,"route":10,"pic":10,"category":11,"intro":10,"content":30,"recommend":13,"listTop":14,"status":15,"createdAt":31,"updatedAt":31},"94501ec1-7c0b-467c-9824-0d0e7f324531","中国银保监会办公厅 关于明确保险中介市场对外开放 有关措施的通知","\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为进一步扩大保险业对外开放,促进保险业健康有序发展,经银保监会同意,现将有关事项通知如下:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">一、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">允许有实际业务经验并符合银保监会相关规定的境外保险经纪公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在华投资设立的保险经纪公司经营保险经纪业务。《关于印发我国加入\u003C/span>WTO法律文件有关保险业内容的通知》(保监办发〔\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2002\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〕\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">14\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">号)中,设立外资保险经纪公司需满足投资者应在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">WTO成员境内有超过30年经营历史、在中国设立代表处连续2年以及提出申请前一年总资产不低于2亿美元\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的相关要求不再执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">二、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">允许外国保险集团公司、境内外资保险集团公司在华投资设立的保险专业中介机构经营相关保险中介业务。本通知所称保险专业中介机构包括保险专业代理机构、保险经纪机构及保险公估机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);text-indent: 43px;line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">三、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">外资保险专业中介机构在经营相关保险中介业务前,应依法依规备案或取得对应的业务许可,业务范围和市场准入标准适用银保监会关于保险专业中介机构的相关规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 0 0 28px;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);text-indent: 0;white-space: pre-wrap;background-color: rgb(255, 255, 255);line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 0 0 28px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);text-indent: 0;white-space: pre-wrap;background-color: rgb(255, 255, 255);line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会办公厅\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);line-height: 38px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2021年12月3日\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background: rgb(254, 254, 254)\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 21px\">\u003Cspan style=\"font-family:仿宋;box-sizing: border-box\">附:中国银保监会发布《中国银保监会办公厅关于明确保险中介市场对外开放有关措施的通知》\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1024473&itemId=917\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 21px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1024473&itemId=917\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background: rgb(254, 254, 254)\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 21px\">\u003Cspan style=\"font-family:仿宋;box-sizing: border-box\">附:中国银保监会有关部门负责人就发布《关于明确保险中介市场对外开放有关措施的通知》答记者问\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1024475&itemId=917\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋;font-size: 21px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1024475&itemId=917\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;color: rgb(51, 51, 51);white-space: pre-wrap;background-color: rgb(255, 255, 255);line-height: 38px\">\u003Cbr/>\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-12-20T03:08:29.000Z",{"id":33,"name":34,"route":10,"pic":10,"category":11,"intro":10,"content":35,"recommend":13,"listTop":14,"status":15,"createdAt":36,"updatedAt":36},"282207cb-c91f-42ff-bea3-75a0a4e76dcf","《保险中介行政许可及备案实施办法》将于2022年2月1日施行","\u003Cp> 保险中介行政许可及备案实施办法\u003Cbr style=\"box-sizing: border-box\"/> (中国银行保险监督管理委员会令2021年第12号)\u003C/p>\u003Ch3 style=\"box-sizing: border-box;margin: 7px 0;padding: 0px;text-align: justify;font-family: 宋体;font-size: 18px;text-indent: 48px;line-height: 43px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-weight: normal;font-size: 24px;background: rgb(255, 255, 255)\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《保险中介行政许可及备案实施办法》已于\u003C/span>2019年12月19日经银保监会2019年第13次委务会议审议通过,现予公布,自2022年2月1日起施行。\u003C/span>\u003C/h3>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 43px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">主席\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">郭树清\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 43px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021年10月28日\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">保险中介行政许可及备案实施办法\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第一章\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">总则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为规范银保监会及其派出机构实施保险中介市场行政许可和备案行为,明确行政许可和备案事项的条件和程序,保护申请人合法权益,根据《中华人民共和国保险法》《中华人民共和国行政许可法》《中华人民共和国资产评估法》等法律法规及国务院的有关决定,制定本办法。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构依照本办法规定对保险中介业务和高级管理人员实施行政许可和备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构包括银保监局和银保监分局。银保监分局在银保监会、银保监局授权范围内,依照本办法规定实施行政许可和备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称行政许可事项包括经营保险代理业务许可、经营保险经纪业务许可、保险中介集团(控股)公司经营保险中介业务许可,保险代理机构、保险经纪机构高级管理人员任职资格核准。本办法所称备案事项包括经营保险公估业务备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称保险专业中介机构包括保险专业代理机构、保险经纪机构、保险公估机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称全国性保险专业代理机构、保险经纪机构、保险公估机构是指经营区域不限于工商注册登记所在地省、自治区、直辖市、计划单列市的相应机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称区域性保险专业代理机构、保险经纪机构、保险公估机构是指经营区域为工商注册登记所在地省、自治区、直辖市、计划单列市的相应机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构应依照宏观审慎原则,结合辖区内保险业发展水平等实际情况,按照本办法规定实施保险中介行政许可及备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第二章\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">经营保险代理业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">保险专业代理机构经营保险代理业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人申请经营保险代理业务资格,应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)依法取得工商营业执照,名称中应当包含\u003C/span>“保险代理”字样,且字号不得与现有的保险专业中介机构相同,与其他保险专业中介机构具有同一实际控制人的保险专业代理机构除外;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)股东符合本规定要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)注册资本为实缴货币资本并按银保监会有关规定实施托管,全国性保险专业代理机构的注册资本最低限额为\u003C/span>5000万元,区域性保险专业代理机构的注册资本最低限额为2000万元;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)营业执照记载的经营范围符合银保监会的有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)有符合《中华人民共和国公司法》和《中华人民共和国保险法》规定的章程;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)高级管理人员符合相应的任职资格条件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)有符合银保监会规定的治理结构和内控制度,商业模式科学、合理、可行;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)有与业务规模相适应的固定住所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)有符合银保监会规定的业务、财务等计算机软硬件设施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)风险测试符合要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)法律、行政法规和银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人股东应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)财务状况良好,具有以自有资金对外投资的能力,出资资金自有、真实、合法,不得用银行贷款及各种形式的非自有资金投资;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)法人股东应当具有良好的公司治理结构或有效的组织管理方式,社会声誉、诚信记录、纳税记录以及经营管理良好,出资日上一年末(设立时间不满一年的,以出资日上一月末为准)净资产应不为负数,出资日上一月末净资产及货币资金均大于出资额;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)银保监会规定的其他审慎性条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人股东有下列情形之一的,申请人不得申请经营保险代理业务资格:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)最近\u003C/span>5年内受到刑罚或重大行政处罚;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)因涉嫌重大违法犯罪正接受有关部门调查;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)因严重失信行为被国家有关单位确定为失信联合惩戒对象且应当在保险领域受到相应惩戒,或者最近\u003C/span>5年内有其他严重失信不良记录;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)依据法律、行政法规不能投资企业;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)银保监会根据审慎监管原则认定的其他不适合成为保险专业代理机构股东的情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应确定定位清晰、科学、合理、可行的商业模式。依托专门技术、领域、行业开展业务的,业务发展模式及配套管理制度流程应体现特色与专业性。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应根据《中华人民共和国公司法》等法律、行政法规和银保监会相关政策要求,依照职责明晰、强化制衡、加强风险管理的原则,建立规范、有效的公司治理结构和内部管理制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应根据公司的性质、规模,设立股东(大)会、董事会或者执行董事、监事会或者监事等组织机构,并应在章程中明确其职责、议事制度和决策程序。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应具有符合银保监会规定要求的业务和财务管理系统及信息安全保障体系,实现对主要业务、财务流程的信息化管理,确保业务和财务信息的及时、准确掌握及信息安全。业务和财务管理软件应当具备保单信息管理、单证管理、客户管理、收付费结算、报表查询生成等基本功能。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人申请前应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">选择一家\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">符合银保监会规定要求的商业银行,签订托管协议,开立托管账户,将全部注册资本存入托管账户。托管协议应明确托管期限、托管金额、托管资金用途等内容。注册资本托管账户和基本户应分设。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当向工商注册登记所在地银保监局提交下列申请材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)经营保险代理业务许可申请书,申请书应当载明保险专业代理机构的名称、注册资本等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《经营保险代理业务许可申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)《经营保险代理业务许可申请委托书》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)公司章程;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)《保险专业代理机构投资人基本情况登记表(法人股东)》或《保险专业代理机构投资人基本情况登记表(自然人股东)》及相关材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)注册资本为实缴货币资本的证明文件,资本金入账原始凭证复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)可行性报告,包括当地经济、社会和金融保险发展情况分析,机构组建的可行性和必要性说明,市场前景分析,业务和财务发展计划,风险管理计划等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)内部管理制度,包括公司治理结构、组织机构设置、业务管理制度、财务制度、信息化管理制度、反洗钱内控制度、消费者权益保护制度以及业务服务标准等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)《保险专业代理机构高级管理人员任职资格申请表》及有关证明材料,聘用人员花名册复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)业务、财务等计算机软硬件配备及信息安全保障情况说明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)注册资本托管协议复印件及托管户入账证明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)投保职业责任保险的,应出具按规定投保职业责任保险的承诺函,缴存保证金的,应出具按规定缴存保证金的承诺函;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会及其派出机构规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">全国性保险专业代理机构申请经营保险代理业务资格的,由工商注册登记所在地银保监局受理并初审,银保监会决定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域性保险专业代理机构申请经营保险代理业务资格的,由工商注册登记所在地银保监局受理、审查并决定。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构应当采取谈话、询问、现场验收等方式了解和审查申请人股东的经营状况、诚信记录以及申请人的市场发展战略、业务发展计划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险测试和提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应按规定接受风险测试。风险测试应综合考虑和全面了解机构、股东及存在关联关系的单位或者个人的历史经营状况,判断是否存在利用保险中介机构和业务从事非法经营活动的可能性,核查保险专业中介机构与控股股东、实际控制人在业务、人员、资产、财务等方面是否严格隔离并实现独立经营和核算,全面评估风险状况。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理、审查并决定的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理并初审的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,并将审查意见及完整申请材料上报银保监会。银保监会应自收到银保监局的初步审查意见及申请人完整申请材料\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">之日起\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,在\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构作出准予许可决定的,应当向申请人颁发许可证。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作出不予许可决定的,应当说明理由。公司继续存续的,应当依法办理名称、营业范围和公司章程等事项的变更登记,确保其名称中无\u003C/span>“保险代理”字样。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">保险兼业代理业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">商业银行经营保险代理业务,应当具备下列条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">具有银保监会或其派出机构颁发的金融许可证;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">主业经营情况良好,最近\u003C/span>2年无重大违法违规记录(已采取有效整改措施并经银保监会及其派出机构认可的除外);\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">已建立符合银保监会规定的保险代理业务信息系统;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">已建立保险代理业务管理制度和机制,并具备相应的专业管理能力;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">法人机构和一级分支机构已指定保险代理业务管理责任部门和责任人员;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会规定的其他条件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会直接监管的商业银行经营保险代理业务,应当由其法人机构向银保监会申请许可证。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其他商业银行经营保险代理业务,应当由法人机构向注册所在地银保监会派出机构申请许可证。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">商业银行网点凭法人机构的授权经营保险代理业务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构收到商业银行经营保险代理业务申请后,可采取谈话、函询、现场验收等方式了解、审查申请人的市场发展战略、业务发展计划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">商业银行申请经营保险代理业务,应当提交以下申请材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)近两年违法违规行为情况的说明(机构成立不满两年的,提供自成立之日起的情况说明);\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)合作保险公司情况说明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)保险代理业务信息系统情况说明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)保险代理业务管理相关制度,如承保出单、佣金结算、客户服务等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)保险代理业务责任部门和责任人指定情况的说明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会规定的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理、审查并决定的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会受理、审查并决定的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构作出准予许可决定的,应当向申请人颁发许可证;作出不予许可决定的,应当说明理由。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在中华人民共和国境内经国务院银行保险监督管理机构批准设立的吸收公众存款的金融机构、其他金融机构、政策性银行申请保险兼业代理资格的条件和办理流程参照本办法执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其他工商企业申请保险兼业代理资格的条件和办理流程,由银保监会另行规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">保险代理集团(控股)公司经营保险代理业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)股东、发起人信誉良好,最近\u003C/span>3年内无重大违法记录,出资自有、真实、合法,不得用银行贷款及其他形式的非自有资金投资;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)注册资本达到法律、行政法规和银保监会相关\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">规则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">规定的最低限额;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)公司章程或者合伙协议符合有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)高级管理人员符合规定的任职资格条件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)商业模式科学、合理、可行,公司治理完善到位,具备健全的组织机构和管理制度;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)有与业务规模相适应的固定住所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)有与开展业务相适应的业务、财务等计算机软硬件设施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)拥有\u003C/span>5家及以上子公司,其中至少有2家子公司为保险专业中介机构,至少有1家子公司为保险专业代理机构;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)保险中介业务收入占集团总业务收入的\u003C/span>50%以上;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)风险测试符合要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)依法取得工商营业执照,名称中应当包含\u003C/span>“保险代理集团(控股)公司”等字样;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十二)法律、行政法规和银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当向银保监会提交下列申请材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)申请书,应当载明公司的名称、注册资本、业务范围等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《保险中介集团公司经营保险代理业务许可申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)《保险中介集团公司经营保险代理业务许可申请委托书》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)集团公司、成员企业及企业集团章程复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)可行性报告及内部管理制度,包括设立方式或者更名方案、公司治理和组织机构框架、发展战略、内部控制体系,以及公司章程、业务管理制度、资本管理制度、风险管理制度、关联交易管理制度等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)筹建或更名方案,包括操作流程、集团内各公司的股权整合方案、股权结构、子公司的名称和业务类别、员工及债权处置方案等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)创立大会决议,或者股东会、股东大会关于设立集团公司或者更名的决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)《投资人基本情况登记表》及相关材料、股份认购协议等,投资人是机构的,还应提供营业执照、其他背景资料以及加盖公章的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财务报表复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)加盖公章的集团重要成员公司上一年度的财务报表复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)注册资本金实缴情况的说明及证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)《保险中介服务集团公司高级管理人员任职资格申请表》,拟任高级管理人员简历及有关证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会应当采取谈话、询问、现场验收等方式了解、审查申请人股东的经营状况、诚信记录,以及申请人的市场发展战略、业务发展计划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险测试和提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险代理集团(控股)公司申请经营保险代理业务,由银保监会受理、审查并决定。银保监会自受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会作出准予许可决定的,应当向申请人颁发许可证;作出不予许可决定的,应当说明理由。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第三章\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">经营保险经纪业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">保险经纪机构经营保险经纪业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人申请经营保险经纪业务,应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)依法取得工商营业执照,名称中应当包含\u003C/span>“保险经纪”字样,且字号不得与现有的保险专业中介机构相同,与其他保险专业中介机构具有同一实际控制人的保险专业经纪机构除外;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)股东符合本规定要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)注册资本为实缴货币资本并按银保监会有关规定实施托管,全国性保险经纪机构的注册资本最低限额为\u003C/span>5000万元,区域性保险经纪机构的注册资本最低限额为2000万元;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)营业执照记载的经营范围符合银保监会的有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)有符合《中华人民共和国公司法》和《中华人民共和国保险法》规定的章程;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)高级管理人员符合规定的任职资格条件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)有符合银保监会规定的治理结构和内控制度,商业模式科学、合理、可行;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)有与业务规模相适应的固定住所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)有符合银保监会规定的业务、财务等计算机软硬件设施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)风险测试符合要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)法律、行政法规和银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人股东应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)财务状况良好,具有以自有资金对外投资的能力,出资资金自有、真实、合法,不得用银行贷款及各种形式的非自有资金投资;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)法人股东应当具有良好的公司治理结构或有效的组织管理方式,社会声誉、诚信记录、纳税记录以及经营管理良好,出资日上一年末(设立时间不满一年的,以出资日上一月末为准)净资产应不为负数,出资日上一月末净资产及货币资金均大于出资额;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)银保监会规定的其他审慎性条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域性保险经纪公司股东条件由银保监会另行规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人股东有下列情形之一的,申请人不得申请经营保险经纪业务:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)最近\u003C/span>5年内受到刑罚或重大行政处罚;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)因涉嫌重大违法犯罪正接受有关部门调查;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)因严重失信行为被国家有关单位确定为失信联合惩戒对象且应当在保险领域受到相应惩戒,或者最近\u003C/span>5年内具有其他严重失信不良记录;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)依据法律、行政法规不能投资企业;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)银保监会根据审慎监管原则认定的其他不适合成为保险经纪机构股东的情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应确定定位清晰、科学、合理、可行的商业模式。依托专门技术、领域、行业开展业务的,业务发展模式及配套管理制度流程应体现特色与专业性。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应根据《中华人民共和国公司法》等法律、行政法规和银保监会相关政策要求,依照职责明晰、强化制衡、加强风险管理的原则,建立规范、有效的公司治理结构和内部管理制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应根据公司的性质、规模,设立股东(大)会、董事会或者执行董事、监事会或者监事等组织机构,并在章程中明确其职责、议事制度和决策程序。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应具有符合银保监会规定要求的业务和财务管理系统及信息安全保障体系,实现对主要业务、财务流程的信息化管理,确保业务和财务信息的及时、准确掌握及信息安全,业务和财务管理软件应当具备保单信息管理、单证管理、客户管理、收付费结算、报表查询生成等基本功能。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人申请前应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">选择一家\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">符合银保监会规定要求的商业银行,签订托管协议,开立托管账户,将全部注册资本存入托管账户。托管协议应明确托管期限、托管金额、托管资金用途等内容。注册资本托管账户和基本户应分设。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当向工商注册登记所在地银保监局提交下列申请材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)经营保险经纪业务许可申请书,申请书应当载明保险经纪机构的名称、注册资本等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《经营保险经纪业务许可申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)《经营保险经纪业务许可申请委托书》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)公司章程;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)《保险经纪机构投资人基本情况登记表(法人股东)》或《保险经纪机构投资人基本情况登记表(自然人股东)》及相关材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)注册资本为实缴货币资本的证明文件,资本金入账原始凭证复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)可行性报告,包括当地经济、社会和金融保险发展情况分析,机构组建的可行性和必要性说明,市场前景分析,业务和财务发展计划,风险管理计划等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)内部管理制度,包括公司治理结构、组织机构设置、业务管理制度、财务制度、信息化管理制度、反洗钱内控制度、消费者权益保护制度以及业务服务标准等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)《保险经纪机构高级管理人员任职资格申请表》及有关证明材料,聘用人员花名册复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)业务、财务等计算机软硬件配备及信息安全保障情况说明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)注册资本托管协议复印件及托管户入账证明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)投保职业责任保险的,应出具按规定投保职业责任保险的承诺函,缴存保证金的,应出具按规定缴存保证金的承诺函;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会及其派出机构规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">全国性保险经纪机构申请经营保险经纪业务的,由工商注册登记所在地银保监局受理并初审,银保监会决定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域性保险经纪机构申请经营保险经纪业务的,由工商注册登记所在地银保监局受理、审查并决定。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构应当采取谈话、询问、现场验收等方式了解、审查申请人股东的经营状况、诚信记录以及申请人的市场发展战略、业务发展计划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险测试和提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应按规定接受风险测试。风险测试应综合考虑和全面了解机构、股东及存在关联关系的单位或者个人的历史经营状况,判断是否存在利用保险中介机构和业务从事非法经营活动的可能性,核查保险专业中介机构与控股股东、实际控制人在业务、人员、资产、财务等方面是否严格隔离并实现独立经营和核算,全面评估风险状况。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理、审查并决定的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理并初审的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,并将审查意见及完整申请材料上报银保监会。银保监会应自收到银保监局的初步审查意见及申请人完整申请材料\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">之日起\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,在\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构作出准予许可决定的,应当向申请人颁发许可证。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作出不予许可决定的,应当说明理由。公司继续存续的,应当依法办理名称、营业范围和公司章程等事项的变更登记,确保其名称中无\u003C/span>“保险经纪”字样。\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">保险经纪集团(控股)公司经营保险经纪业务许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)股东、发起人信誉良好,最近\u003C/span>3年内无重大违法记录,出资应自有、真实、合法,不得用银行贷款及其他形式的非自有资金投资;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)注册资本达到法律、行政法规和银保监会相关规定的最低限额;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)公司章程或者合伙协议符合有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)高级管理人员符合规定的任职资格条件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)商业模式科学、合理、可行,公司治理完善到位,具备健全的组织机构和管理制度;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)有与业务规模相适应的固定住所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)有与开展业务相适应的业务、财务等计算机软硬件设施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)拥有\u003C/span>5家及以上子公司,其中至少有2家子公司为保险专业中介机构,至少有1家子公司为保险经纪机构;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)保险中介业务收入占集团总业务收入的\u003C/span>50%以上;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)风险测试符合要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)依法取得工商营业执照,名称中应当包含\u003C/span>“保险经纪集团(控股)公司”等字样;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十二)法律、行政法规和银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当向银保监会提交下列申请材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)申请书,应当载明公司的名称、注册资本、业务范围等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《保险中介集团公司经营保险经纪业务许可申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)《保险中介集团公司经营保险经纪业务许可申请委托书》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)集团公司、成员企业及企业集团章程复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)可行性报告及内部管理制度,包括设立方式或者更名方案、公司治理和组织机构框架、发展战略、内部控制体系,以及公司章程、业务管理制度、资本管理制度、风险管理制度、关联交易管理制度等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)筹建或更名方案,包括操作流程、集团内各公司的股权整合方案、股权结构、子公司的名称和业务类别、员工及债权处置方案等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)创立大会决议,或者股东会、股东大会关于设立集团公司或者更名的决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)《投资人基本情况登记表》及相关材料、股份认购协议等,投资人是机构的,还应提供营业执照、其他背景资料以及加盖公章的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财务报表复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)加盖公章的集团重要成员公司上一年度的财务报表复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)注册资本金实缴情况的说明及证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)《保险中介服务集团公司高级管理人员任职资格申请表》,拟任高级管理人员简历及有关证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会应当采取谈话、询问、现场验收等方式了解、审查申请人股东的经营状况、诚信记录,以及申请人的市场发展战略、业务发展计划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险测试和提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险经纪集团(控股)公司申请经营保险经纪业务,由银保监会受理、审查并决定。银保监会自受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会作出准予许可决定的,应当向申请人颁发许可证;作出不予许可决定的,应当说明理由。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第四章\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">经营保险公估业务备案\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构及其分支机构经营保险公估业务,应依法备案。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构经营保险公估业务应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)股东或者合伙人符合本规定要求,且出资资金自有、真实、合法,不得用银行贷款及各种形式的非自有资金投资;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)根据业务发展规划,具备日常经营和风险承担所必需的营运资金,全国性机构营运资金为\u003C/span>200万元以上,区域性机构营运资金为100万元以上;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)营运资金的托管符合银保监会的有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)公司章程或者合伙协议符合有关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)名称中应当包含\u003C/span>“保险公估”字样,保险公估机构的字号不得与现有的保险专业中介机构相同,与\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其他\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业中介机构具有同一实际控制人的保险公估机构除外;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)董事长、执行董事和高级管理人员应当符合本规定要求;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)有符合银保监会规定的治理结构和内控制度,商业模式科学、合理、可行;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)有与业务规模相适应的固定住所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)有符合银保监会规定的业务、财务信息管理系统;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)具备一定数量的保险公估师;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)法律、行政法规和银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当依法采用合伙或者公司形式。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人采用合伙形式的,应当有\u003C/span>2名以上公估师;其合伙人三分之二以上应当是具有3年以上从业经历且最近3年内未受停止从业处罚的公估师。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人采用公司形式的,应当有\u003C/span>8名以上公估师和2名以上股东,其中三分之二以上股东应当是具有3年以上从业经历且最近3年内未受停止从业处罚的公估师。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人的合伙人或者股东仅为\u003C/span>2名的,2名合伙人或者股东都应当是具有3年以上从业经历且最近3年内未受停止从业处罚的公估师。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公估师指通过公估师资格考试的保险公估从业人员。从业经历指保险公估从业经历。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人的合伙人或者股东出资资金应自有、真实、合法,不得用银行贷款及各种形式的非自有资金投资。保险公估机构的法人股东或合伙人应财务状况良好,上一年末(设立时间不满一年的,以出资日上一月末为准)净资产应不为负数,应具有以自有资金对外投资的能力,出资日上一月末净资产及货币资金均大于出资额。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人股东或合伙人有下列任一情形的,申请人不得申请经营保险公估业务:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)最近\u003C/span>5年内受到刑罚或者重大行政处罚;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)因涉嫌重大违法犯罪正接受有关部门调查;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)因严重失信行为被国家有关单位确定为失信联合惩戒对象且应当在保险领域受到相应惩戒,或者最近\u003C/span>5年内具有其他严重失信不良记录;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)依据法律、行政法规不能投资企业;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)银保监会根据审慎监管原则认定的其他不适合成为保险公估机构股东或者合伙人的情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人董事长、执行董事和高级管理人员应当符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)大学专科以上学历,从事金融或者资产评估工作\u003C/span>10年以上的人员不受此项限制;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 46px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: -1px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)从事金融工作\u003C/span>3年以上,或者从事资产评估相关工作3\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年以上,或者从事经济工作\u003C/span>5年以上; \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)具有履行职责所需的经营管理能力,熟悉保险法律、行政法规及银保监会的相关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)诚实守信,品行良好。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">有下列情形之一的,不得担任保险公估机构董事长、执行董事和高级管理人员:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)担任因违法被吊销许可证的保险公司或者保险专业中介机构的董事、监事或者高级管理人员,并对被吊销许可证负有个人责任或者直接领导责任的,自许可证被吊销之日起未逾\u003C/span>3年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)因违法行为或者违纪行为被金融监管机构取消任职资格的金融机构的董事、监事或者高级管理人员,自被取消任职资格之日起未逾\u003C/span>5年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)被金融监管机构决定在一定期限内禁止进入金融行业,期限未满;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)因违法行为或者违纪行为被吊销执业资格的资产评估机构、验证机构等机构的专业人员,自被吊销执业资格之日起未逾\u003C/span>5年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)受金融监管机构警告或者罚款未逾\u003C/span>2年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)正在接受司法机关、纪检监察部门或者金融监管机构调查;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)因严重失信行为被国家有关单位确定为失信联合惩戒对象且应当在保险领域受到相应惩戒,或者最近\u003C/span>5年内具有其他严重失信不良记录;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)合伙人有尚未清偿完的合伙企业债务;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)法律、行政法规和银保监会规定的其他情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估人应当与其高级管理人员建立劳动关系,订立书面劳动合同。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估人董事长、执行董事和高级管理人员不得兼任\u003C/span>2家以上分支机构的主要负责人。\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请前\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">选择一家\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">符合银保监会规定要求的商业银行,签订托管协议,开立托管账户将全部营运资金由基本户存入托管账户。托管协议应明确托管期限、托管金额、托管资金用途及未完成备案不得动用等内容。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应确定定位清晰、科学、合理、可行的商业模式。依托专门技术、领域、行业开展业务的,业务发展模式及配套管理制度流程应体现特色与专业性。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应根据《中华人民共和国公司法》《中华人民共和国合伙企业法》《中华人民共和国资产评估法》等法律、行政法规和银保监会相关政策要求,依照职责明晰、强化制衡、加强风险管理的原则,建立规范有效的治理结构和内部管理制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应具有符合银保监会规定要求的业务和财务管理系统,实现对主要业务、财务流程的信息化管理,确保业务和财务信息的及时、准确掌握及信息安全。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应当向工商注册登记所在地银保监局提交下列备案材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)经营保险公估业务备案申请书,申请书应当载明保险公估机构的名称、注册资本、经营区域(全国性或区域性)等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《经营保险公估业务备案申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)《经营保险公估业务备案委托书》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)《保险公估机构公估师信息表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)公司章程或者合伙协议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)《保险公估机构投资人基本情况登记表(法人股东)》《保险公估机构投资人基本情况登记表(自然人股东)》及相关材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)营运资金进入公司基本户的入账原始凭证复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)可行性报告,包括当地经济、社会和金融保险发展情况分析,机构组建的可行性和必要性说明,市场前景分析,业务和财务发展计划,风险管理计划等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)内部管理制度,包括公司治理结构、组织机构设置、业务管理制度、财务制度、信息化管理制度、反洗钱内控制度、消费者权益保护制度以及业务服务标准等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)《保险公估机构董事长(执行董事)、高级管理人员任职报告表》及有关证明材料,公估师人员名册及相应证书复印件、聘用人员花名册;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)业务、财务等计算机软硬件配备及信息安全保障情况说明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)营运资金托管协议复印件及托管户入账证明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)投保职业责任保险或者建立职业风险基金的,应出具按规定投保职业责任保险或建立职业风险基金保证书;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)与业务规模相适应的固定场所及使用权属证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)保险公司的工作人员、保险专业中介机构的从业人员投资保险公估机构的,应当提供其所在机构知晓其投资的书面证明,保险公司、保险专业中介机构的董事、监事或者高级管理人员投资保险公估机构的,应当根据有关规定提供任职公司股东会或者股东大会的同意文件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会及其派出机构规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会及其派出机构应当采取谈话、函询、现场查验等方式了解、审查股东或者合伙人的经营记录、经营动机,以及市场发展战略、业务发展规划、内控制度建设、人员结构、信息系统配置及运行等有关事项,并进行风险测试和提示。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构新设分支机构经营保险公估业务,应当符合下列条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)保险公估机构及其分支机构最近\u003C/span>1年内没有受到刑罚或者重大行政处罚;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)保险公估机构及其分支机构未因涉嫌违法犯罪正接受有关部门调查;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)最近\u003C/span>2年内设立的分支机构不存在运营未满1年退出市场的情形;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)具备完善的分支机构管理制度;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)新设分支机构有符合要求的营业场所、业务财务信息系统,以及与经营业务相匹配的其他设施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)银保监会规定的其他条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构因严重失信行为被国家有关单位确定为失信联合惩戒对象且应当在保险领域受到相应惩戒的,或者最近\u003C/span>5年内具有其他严重失信不良记录的,不得新设分支机构经营保险公估业务。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请经营保险公估业务备案的保险公估分支机构应当向工商注册登记所在地银保监局提交下列备案材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)经营保险公估业务备案申请书,申请书应当载明保险公估分支机构的名称、主要负责人姓名等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)《保险公估机构分支机构经营保险公估业务备案申请表》;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)保险公估机构备案表复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)关于设立保险公估分支机构的内部决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)新设保险公估分支机构内部管理制度;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)保险公估机构及分支机构最近\u003C/span>2年内接受\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险监管、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">市场监管\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、税务等部门监督检查情况的说明及有关附件,如受过行政处罚,需提供有关行政处罚书复印件及缴纳罚款证明复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)业务、财务等计算机软硬件配备及信息安全保障情况说明等;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">八\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)《保险公估机构董事长(执行董事)、高级管理人员任职报告表》及有关证明材料;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)最近\u003C/span>2年内设立的分支机构是否存在运营未满1年退出市场的情况说明,应\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: -0;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照下列字段对最近\u003C/span>2年内在全国设立分支机构情况进行梳理:机构名称、所在省份、成立时间、是否退出市场、退出市场时间\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)新设分支机构职场租赁合同复印件或权属文件复印件及职场照片;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会及其派出机构规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构经营保险公估业务,应当自领取营业执照之日起\u003C/span>30日内,通过银保监会指定的信息系统向银保监会及其派出机构备案,同时按规定提交纸质及电子备案材料。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公估机构分支机构经营保险公估业务,应当自领取分支机构营业执照之日起\u003C/span>10日内,通过银保监会指定的信息系统向工商注册登记所在地银保监局备案,同时按规定提交纸质及电子备案材料。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域性保险公估机构及分支机构申请经营保险公估业务的,由工商注册登记所在地银保监局依法备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">全国性保险公估机构及合伙制保险公估机构申请经营保险公估业务的,由工商注册登记所在地银保监局接收备案材料并初审,由银保监会依法备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">备案材料完备且符合要求的,银保监会及其派出机构应当在银保监会网站上将备案情况向社会公告,完成备案。保险公估机构在备案公告之后可下载《经营保险公估业务备案表》。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">合伙形式的保险公估机构转为公司形式的保险公估机构,或者公司形式的保险公估机构转为合伙形式的保险公估机构,备案流程及材料参照新设机构,变更期间按照转前形式开展业务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">区域性保险公估机构转为全国性保险公估机构,或者全国性保险公估机构转为区域性保险公估机构,备案流程及材料参照新设机构,变更期间按照转前范围开展业务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第五章\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\"> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">保险专业代理机构及保险经纪机构高级管理人员任职资格许可\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">任职资格条件\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构及保险经纪机构高级管理人员需经任职资格许可,包括公司总经理、公司副总经理、省级分公司主要负责人以及对公司经营管理行使重要职权的其他人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构、保险经纪机构高级管理人员拟任人应符合以下条件:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)大学专科以上学历,从事金融工作\u003C/span>10年以上的人员不受此项限制;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)从事金融工作\u003C/span>3年以上或者从事经济工作5年以上;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)具有履行职责所需的经营管理能力,熟悉保险法律、行政法规及银保监会的相关规定;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)诚实守信,品行良好。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构、保险经纪机构高级管理人员拟任人不得有下列任一情形:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)无民事行为能力或者限制民事行为能力;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)因贪污、贿赂、侵占财产、挪用财产或者破坏社会主义市场秩序,被判处刑罚执行期满未逾\u003C/span>5年,或者因犯罪被剥夺政治权利,执行期满未逾5年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)担任破产清算的公司、企业的董事或者厂长、经理,对该公司、企业的破产负有个人责任的,自该公司、企业破产清算完结之日起未逾\u003C/span>3年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)担任因违法被吊销营业执照、责令关闭的公司、企业的法定代表人,并负有个人责任的,自该公司、企业被吊销营业执照之日起未逾\u003C/span>3年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)担任因违法被吊销许可证的保险公司或者保险中介机构的董事、监事或者高级管理人员,并对被吊销许可证负有个人责任或者直接领导责任的,自许可证被吊销之日起未逾\u003C/span>3年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)因违法行为或者违纪行为被金融监管机构取消任职资格的金融机构的董事、监事或者高级管理人员,自被取消任职资格之日起未逾\u003C/span>5年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)被金融监管机构决定在一定期限内禁止进入金融行业的,期限未满;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)受金融监管机构警告或者罚款未逾\u003C/span>2年;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)正在接受司法机关、纪检监察部门或者金融监管机构调查;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)个人所负数额较大的债务到期未清偿;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)因严重失信行为被国家有关单位确定为失信联合惩戒对象且应在保险领域受到相应惩戒,或者最近\u003C/span>5年内具有其他严重失信不良记录;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十二)法律、行政法规和银保监会规定的其他情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">拟任人应通过银保监会认可的保险法规及相关知识测试。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">任职资格许可申请材料\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构、保险经纪机构拟任命高级管理人员,应向拟任机构工商注册登记所在地银保监局提交下列材料:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)关于进行任职资格审核的申请;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)拟任用高级管理人员的决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)高级管理人员任职资格申请表;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)拟任人身份证复印件或护照复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)拟任人学历证书复印件、学历证明文件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)拟任人与保险专业代理机构或保险经纪机构签订的劳动合同复印件;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)拟任人\u003C/span>3年金融工作经历或5年经济工作经历证明文件;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)拟任人最近\u003C/span>3年个人信用报告;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)在存在潜在利益冲突的机构中任职的,应提交从原单位辞职的证明、辞职承诺书或者公司股东会、股东大会同意兼职的证明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)拟任人合规声明和承诺;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会及其派出机构规定提交的其他材料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">拟任高级管理人员的决议程序和形式应符合法律、行政法规和公司章程的规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">拟任人的学历证明材料,需提供教育部学信网查询结果或相关教育主管部门出具的认证报告;党校学历,需提供毕业党校出具的学历证明材料;国(境)外学历,需提供教育部留学服务中心出具的国外学历认证书。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">拟任人的工作经历证明材料,需提供曾任职的机构出具的加盖公司公章的证明文件或与曾任职的机构存在与其劳动形式相关的经济收入关系的证明文件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">拟任人合规声明和承诺的内容包括但不限于:最近\u003C/span>2年内\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受反洗钱重大行政处罚的声明;最近\u003C/span>5年内\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受过法律、行政法规处罚,有无严重失信不良记录的声明;坚持依法合规经营、切实履职尽责的承诺。有境外金融机构从业\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经历\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的,还应当提交最近\u003C/span>2年内未受相应境外金融机构所在地涉及反洗钱的重大行政处罚的声明。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三节\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">任职资格许可程序\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局可以对保险专业代理机构、保险经纪机构拟任高级管理人员进行考察或者谈话,综合考察其合规意识、风险偏好、业务能力等综合素质。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">七十八\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局受理、审查并决定的申请事项,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受理之日起\u003C/span>20日内审查完毕,作出准予或者不予行政许可的书面决定。\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">七十九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构、保险经纪机构应在收到拟任高级管理人员任职资格批复后及时作出任命决定,超过\u003C/span>2个月未任命的,其任职资格自动失效。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险专业代理机构、保险经纪机构任命临时负责人的,其临时负责人任职时间最长不得超过\u003C/span>3个月,并且不得就同一职务连续任命临时负责人。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">临时负责人应当具有与履行职责相当的能力,并应当符合本规定的相关要求。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">具有高级管理人员任职资格的拟任人在同一保险专业代理机构、保险经纪机构内部调动职务或改任(兼任)职务的,无需重新核准任职资格,应当自作出调任、改任、兼任决定之日起\u003C/span>5日内在银保监会规定的监管信息系统中登记相关信息。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第六章\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">附则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">外资保险专业中介机构申请办理本办法规定的经营保险代理业务许可、经营保险经纪业务许可、经营保险公估业务备案等事项的,应符合本办法规定的条件。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申请人应按照银保监会有关要求,如实、完整提交申请材料。本办法规定提交的各种表格格式由银保监会制定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除特别说明外,本办法中各项财务指标要求均为合并会计报表口径。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法中的\u003C/span>“日”均为工作日,“以上”均含本数及本级。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法由银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2022年2月1日\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">起施行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">八十八\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法实施前的有关规定与本办法不一致的,按照本办法执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附:\u003C/span>1.中国银保监会发布《保险中介行政许可及备案实施办法》\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1016432&itemId=915\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 255);font-size: 24px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1016432&itemId=915\u003C/span>\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2.中国银保监会相关部门负责人就《保险中介行政许可及备案实施办法》答记者问\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1016433&itemId=915\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 255);font-size: 24px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1016433&itemId=915\u003C/span>\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp>手机扫一扫打开此页\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-11-10T01:25:45.000Z",{"id":38,"name":39,"route":10,"pic":10,"category":11,"intro":10,"content":40,"recommend":13,"listTop":14,"status":15,"createdAt":41,"updatedAt":41},"fc53a8a9-2763-4d5e-95ec-f8902e600abd","中国银保监会办公厅关于 印发意外伤害保险业务监管办法的通知 银保监办发〔2021〕106号","\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">各银保监局,各保险公司:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">进一步\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">规范意外伤害保险经营行为,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">推动意外伤害保险业务高质量发展,经银保监会同意,现将《意外伤害保险业务监管办法》印发给你们,请遵照执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;text-align: right;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会办公厅\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2021\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">10\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">13\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;text-align: right;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">意外伤害保险业务监管办法\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第一章\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">总则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为推动意外伤害保险高质量发展,规范意外伤害保险经营行为,保护意外伤害保险活动当事人合法权益,根据《中华人民共和国保险法》等法律、行政法规,制定本办法。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外伤害保险(以下简称意外险)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,是以被保险人因遭受意外伤害造成死亡、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">伤残\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或者\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px;background: rgb(255, 255, 255)\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">发生保险合同约定的其他事故为给付保险金条件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的人身保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(64, 63, 61);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法所称保险公司,是指依法设立的人身保险公司和财产保险公司。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px;background: rgb(255, 255, 255)\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司开展意外险业务,应严格遵守法律、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">行政法规以及各项监管规定,遵循保险原理,准确把握回归本源、防范风险的总体要求,不得损害社会公共利益和保险消费者的合法权益。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第二章\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">产品管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0;list-style: none;text-size-adjust: none;text-indent: 40px;text-align: justify;vertical-align: baseline;line-height: 40px;font-family: 仿宋_GB2312;font-size: 20px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司在厘定保险费时,应符合一般精算原理,采用公平、合理的定价假设。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司在厘定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">期限一年以上的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险费时,应根据公司历史投资回报率经验和对未来的合理预期及产品特性按照审慎原则确定预定利率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应以\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司实际经验数据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">行业公开发布的意外\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">伤害\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经验发生率表\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等数据为基础\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照审慎原则确定预定发生率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">各保单年度的预定附加费用率由保险公司自主设定,但平均附加费用率不得超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">下表规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的上限。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">平均附加费用率是指保单各期预定附加费用精算现值之和占保单毛保费精算现值之和的比例。\u003C/span>\u003C/span>\u003C/p>\u003Ctable cellspacing=\"0\" width=\"536\">\u003Ctbody style=\"box-sizing: border-box\">\u003Ctr style=\"box-sizing: border-box;height: 17px\" class=\"firstRow\">\u003Ctd width=\"97\" valign=\"center\" rowspan=\"2\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-width: 1px; border-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">业务类型\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"212\" valign=\"center\" rowspan=\"2\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top-width: 1px; border-top-color: windowtext; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">保险期限一年及以下的意外险\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"227\" valign=\"center\" colspan=\"2\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top-width: 1px; border-top-color: windowtext; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">保险期限一年以上的意外险\u003C/span>\u003C/p>\u003C/td>\u003C/tr>\u003Ctr style=\"box-sizing: border-box;height: 17px\">\u003Ctd width=\"99\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">期交\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"128\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">趸交\u003C/span>\u003C/p>\u003C/td>\u003C/tr>\u003Ctr style=\"box-sizing: border-box;height: 17px\">\u003Ctd width=\"97\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left-width: 1px; border-left-color: windowtext; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">个人\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"212\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">35%\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"99\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">35%\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"128\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">18%\u003C/span>\u003C/p>\u003C/td>\u003C/tr>\u003Ctr style=\"box-sizing: border-box;height: 17px\">\u003Ctd width=\"97\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left-width: 1px; border-left-color: windowtext; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">团体\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"212\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">25%\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"99\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">15%\u003C/span>\u003C/p>\u003C/td>\u003Ctd width=\"128\" valign=\"center\" style=\"box-sizing: border-box; font-size: 14px; padding: 0px 7px; border-left: none; border-right-width: 1px; border-right-color: windowtext; border-top: none; border-bottom-width: 1px; border-bottom-color: windowtext;\">\u003Cp style=\"box-sizing: border-box;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;font-size: 21px\">8%\u003C/span>\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期限一年及以下的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保单最低现金价值按照\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未满期\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">净保费方法确定,最低现金价值\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">=净\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保费\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">×\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1-\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险合同已生效的天数\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">/\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险合同保险期\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的天数)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,经过日期不足一日的按一日计算\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期限一年以上的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保单最低\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现金\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">价值按照《普通型人身保险精算规定》相关要求计算。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">根据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《普通型人身保险精算规定》\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">要求\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">计提\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">业务相关报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">责任准备金。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">航空意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应额外按自留毛保费收入的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">5%计提\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">特别准备金,并逐年滚存\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">期限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">24小时以内\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(含\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">24小时\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的航空意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">业务相关报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">责任准备金不得低于按如下方法计算所得数值:保单责任准备金\u003C/span>=\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">过去滚动\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">12个月\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">航空意外险自留毛保费\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: Arial;font-size: 21px\">×\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2/365。 \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司报送保险条款和保险费率审批或备案的,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应根据保险条款和保险费率管理相关监管规定,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">提交精算报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。精算报告至少应包含:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)数据来源和定价基础\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">定价方法和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">定价假设\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">期限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的意外\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,还应包括利润测试参数、利润测试结果以及主要参数变化的敏感性分析;\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对可以进行费率浮动\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,还应包括费率浮动情况的详细说明,至少包含\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率调整因子\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(系数)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">计算方法、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上下限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,并由总精算师遵循审慎原则签字确认。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其中,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率调整因子(系数)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应符合风险定价原则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">业务相关报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">责任准备金计算方法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)总精算师\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">需要特别说明的内容。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会规定的其他内容。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">将意外险产品报送备案的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">提交的申请材料除保险条款、保险费率表、精算报告外,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">还应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">另外提供佣金费用支付相关材料,说明该产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">预计\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">向保险代理人、保险经纪人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">支付的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年度佣金费用率上限,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">佣金费用率上限应根据产品实际情况科学合理确定。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品任一渠道的年度佣金费用率\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">超出上表规定的平均附加费用率上限\u003C/span>10个百分点以上的,应提供总经理签署的书面说明材料,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">材料应当包含佣金费用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">水平的合理性分析、业务经营依法合规的承诺、公平竞争的声明等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其中,佣金\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应据实列支,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">不得通过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">信息技术支持和服务类费用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、账外激励费用等方式变相突破佣金费用率上限。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">于每年末\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">开展\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">业务回溯\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">工作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">根据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">实际经营情况与精算假设之间的偏差\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">程度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,采取\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率调整等整改措施,并于次年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3月31日前完成整改\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期限一年及以下的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">回溯\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">综合\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">赔付率、费用率等指标;\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期限一年以上的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">回溯\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">发生率、费用率、投资收益率和退保率等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">指标。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">累计原保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保费收入\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">连续三年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">5\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">00万元的\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期限一年及以下的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品,如过往\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三年再保后\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">综合赔付率的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">平均值\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">低于\u003C/span>50%,保险公司\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及时将费率调整至合理水平,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">并\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按相关要求重新报送\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审批或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">备案\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其中,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">再保后\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">综合\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">赔付率的计算公式为:(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">再保后\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">赔款\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">支出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">+\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">再保后未决赔款准备金提转差\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">÷\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">再保后已赚保费\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第三章\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">销售管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应建立严格的意外险业务销售管理制度,严格执行经审批或备案的保险条款和保险费率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险中介机构销售意外险的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应在代理或合作协议中明确保险中介机构责任,确保保险中介机构在单证管理、出单管理、销售行为、收付费管理、客户信息管理、反洗钱等方面符合相关要求。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过保险中介机构展业,支付的中介费用应与实际中介服务相匹配,不得通过保险中介\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">套取资金、为其他机构或者个人谋取不正当利益\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司通过互联网开展意外险业务,应严格遵守互联网保险业务相关监管规定,加强自身风险管理能力和客户服务能力建设。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司以激活注册方式销售意外险,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险期\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应不少于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">7天\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,保险责任开始时间应在激活注册之后\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。同时,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应在产品相关资料上\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">标明激活注册方式,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">并\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以显著字体或其他足以引起消费者注意的方式明示保单生效的条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应对航空意外险业务做好再保险安排,并在每年向银保监会及其派出机构上报的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险业务经营情况报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中单独列明航空意外险的再保计划。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司赠送意外险,应遵守赠送保险相关监管规定,不得以赠险为由,变相开展违法违规业务或进行不正当竞争。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">开展业务活动应自觉维护市场竞争秩序,不得存在以下行为:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)直接或通过保险中介\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">机构、其他机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">强迫消费者订立保险合同;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)在非保险类商品或服务上向不特定公众捆绑销售意外险;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)通过无合法资质的机构、未进行执业登记的个人销售意外险;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">委托保险公司经营区域外的保险中介机构或个人销售意外险,根据相关规定开展的互联网人身保险业务除外;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)夸大保险保障范围、隐瞒责任免除、虚假宣传等误导投保人和被保险人的行为;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">混淆\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">与责任险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,扰乱市场秩序\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,如\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">特别约定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">改变\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保障范围\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未经被保险人或受益人授权\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">将意外险赔款直接支付给事故责任方\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过保险中介机构为其他机构或者个人谋取不正当利益,或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">虚构中介业务套取资金;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)对保险期限一年及以下的意外险,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">距\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保单到期日前间隔\u003C/span>60天以上预收下一保单年度保费\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">向特定团体成员以外的个人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">销售团体\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)银保监会规定的其他违规行为。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第四章 \u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">信息\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">管理与\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">披露\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应加强意外险业务的客户信息真实性管理,在遵守有关法律法规的前提下,明确要求保险销售人员以及保险中介机构按照意外险业务经营和客户服务的需要提供真实\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">完整的客户信息,并对其所提供客户信息的真实性\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">完整性进行审核。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">核心业务系统、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险中介机构业务系统等有关业务系统应具备客户信息字段完整性和逻辑准确性的控制功能。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应为客户提供电话、互联网、微信或其他方式的意外险保单信息实时查询服务,并在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险合同生效后,通过短信、电子邮件或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">即时通讯工具\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等方式告知投保人查询\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保单信息\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的途径和方法。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保单信息查询服务应至少保留至保险责任结束后三个月。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司经营意外险业务,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应按照法律、行政法规和监管的相关规定进行信息披露,不得有虚假记载、误导性陈述和重大遗漏。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司对保险期限一年及以下的意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">采取费率调整措施,应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">至少在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率调整前\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">30日,通过合理方式将具体时间、具体原因以及对存量投保人的后续服务措施等信息通知每一张有效保单的投保人,并为已购买产品的保险消费者在保险\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">期限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">内继续提供保障服务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">202\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年起,保险公司应于每年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">4\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">30\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日前在其官方网站信息披露专栏对上一年度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险业务经营情况进行公开披露。披露\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">内容包括:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度个人意外险业务经营总体情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度航空意外险、借款人意外险、旅行意外险、交通工具意外险等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四类险种\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">每一款产品的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经营数据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">综合保险服务水平、社会责任担当等多个因素确定的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">典型理赔案例。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">202\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">4\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年起,在前期个人意外险经营情况信息披露的基础上,全面实施意外险信息披露\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">全面实施个人意外险分产品信息披露,即将\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">分险种信息披露\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">范围从航空意外险、借款人意外险、旅行意外险、交通工具意外险等四个险种扩展到全险种,披露每一款个人意外险产品的经营数据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">实施团体意外险信息披露,即增加披露团体意外险业务经营情况,披露\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">内容包括:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度团体意外险业务经营总体情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">4)。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度每一款团体意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经营数据\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">5)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">综合保险服务水平、社会责任担当等多个因素确定的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">典型理赔案例。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第五章\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">监督管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应于每年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">31\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日前,将上一年度的意外险业务经营情况报告报送至银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。意外险业务经营情况报告应至少包括以下内容\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">:\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">(一)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上一年度意外险业务经营总体情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">每款产品上一年度的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经营情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)航空意外险等再保险安排\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)上一年度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品回溯\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,具体包含以下内容:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1.产品总体情况,涵盖上一年度\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">累计\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">原保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保费收入超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">500\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">万元的意外险产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品定价精算假设与实际经营情况之间的偏差\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">3.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">回溯指标出现较大偏差的原因,以及保险公司根据偏差程度采取的整改措施\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)意外险业务经营情况附表(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">填报\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">格式参见\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">6、\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">7)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司经营意外险业务存在下列情形之一的,银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构可以根据《中华人民共和国保险法》及有关规定,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">采取有关监管措施或实施行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)产品开发设计不公平不合理,侵害消费者合法权益;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)产品定价方法、参数假设、精算评估等不符合一般精算原理;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率浮动\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">超出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审批或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">备案\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">材料中\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率区间,或明显偏离被保险人风险水平\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)通过特别约定、签订补充协议等形式实质改变经审批或备案的保险条款、保险费率;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">向保险代理人、保险经纪人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">支付的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">佣金费用率\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">超过产品备案\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">材料中\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">佣金费用率上限\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">支付的佣金费用水平\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">违反公平竞争原则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未按规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">调整产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率,或调整后产品费率仍不合理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">未按规定进行信息披露,或披露的信息\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">不真实、不完整;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">八)存在本办法规定的禁止性行为;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银保监会认定的其他行为。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司委托保险中介机构开展意外险业务违反本办法有关规定的,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对保险公司和保险中介机构同查同处,同类业务保持统一的裁量标准\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 21px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">章\u003C/span> \u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">附则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">相互保险公司经营意外险业务,参照本办法执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会对\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">扶贫意外险、小额意外险等特殊业务另有规定的,从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">二十九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司经营保险期限一年及以下的意外险业务,可以不受《中国保监会关于强化人身保险产品监管工作的通知》(保监寿险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〔\u003C/span>201\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">6\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〕\u003C/span>1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">99\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">号\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)第四条第一款产品停售有关规定限制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法由银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">办法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">自\u003C/span>202\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日起施行。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《关于短期意外伤害保险产品管理有关问题的复函》(保监函〔\u003C/span>2003〕1076号)、《关于加强航空意外保险管理有关事项的通知》(保监发〔2007〕94号)、《关于印发<人身意外伤害保险业务经营标准>的通知》(保监发〔2009〕91号)、《关于银行为信用卡客户赠送意外伤害保险有关问题的复函》(保监厅函〔2010〕34号)、《关于规范激活注册式意外险业务经营行为的通知》(保监寿险〔2010〕921号)\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《关于意外险出单管理有关问题的复函》(保监寿险〔\u003C/span>2010〕1066号)自本办法\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">施行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">之日起废止。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">关于人身保险伤残程度与保险金给付比例有关事项的通知》\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(保监发〔\u003C/span>2013〕46号)第四条规定自本办法\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">施行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">之日起\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">停止执行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 21px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">发布之日起至\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2021年12月31日\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,新报送审批或备案的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">须\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">严格遵照本办法要求执行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法发布前\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">已经审批或备案的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第十条、第二十一条及第二十五条第六款规定从\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2023年1月1日起\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">执行,不符合其他规定的,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司应于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2022年6月30日前完成整改\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附件:\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个人意外伤害保险业务年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 107px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个人意外伤害保险产品年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 128px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四类产品)\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\"> 3.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个人意外伤害保险产品年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 43px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\"> 4.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">团体意外伤害保险业务年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 107px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">5.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">团体意外伤害保险产品年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 107px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">6.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外伤害保险业务年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 107px;text-align: justify;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">7.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">意外伤害保险产品年度经营数据\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">1.中国银保监会发布《意外伤害保险业务监管办法》\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1012247&itemId=915&generaltype=0\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;color: rgb(0, 0, 255);font-size: 21px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1012247&itemId=915&generaltype=0\u003C/span>\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 21px\">2.中国银保监会有关部门负责人就《意外伤害保险业务监管办法》答记者问\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1012249&itemId=915&generaltype=0\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 宋体;color: rgb(0, 0, 255);font-size: 21px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1012249&itemId=915&generaltype=0\u003C/span>\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-right: 0;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp>附件信息:\u003C/p>\u003Cul style=\"list-style-type: none;\" class=\" list-paddingleft-2\">\u003Cli>\u003Cp>\u003Ca ng-href=\"/chinese/docfile/2021/e7ddba0f1d5747b2ad25a463e3eab907.pdf\" href=\"http://www.cbirc.gov.cn/chinese/docfile/2021/e7ddba0f1d5747b2ad25a463e3eab907.pdf\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none;display: inline-block;margin-top: 5px\">中国银保监会办公厅关于印发意外伤害保险业务监管办法的通知.pdf\u003C/a>\u003C/p>\u003C/li>\u003Cli>\u003Cp>\u003Ca ng-href=\"/chinese/docfile/2021/b1ab5e81ce1a4c7383d71966bb77d2ec.xlsx\" href=\"http://www.cbirc.gov.cn/chinese/docfile/2021/b1ab5e81ce1a4c7383d71966bb77d2ec.xlsx\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none;display: inline-block;margin-top: 5px\">附件:意外伤害保险经营情况附表.xlsx\u003C/a>\u003C/p>\u003C/li>\u003C/ul>\u003Cp>手机扫一扫打开此页\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-10-14T00:23:55.000Z",{"id":43,"name":44,"route":10,"pic":10,"category":11,"intro":10,"content":45,"recommend":13,"listTop":14,"status":15,"createdAt":46,"updatedAt":46},"bfc9035d-9848-4b48-9c9f-ab0b6418ad03","银保监会发布财产保险公司和保险条款保险费率管理办法","\u003Cp>中国银行保险监督管理委员会令(2021年第10号)\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《财产保险公司保险条款和保险费率管理办法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">》已于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">4\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日经银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021年\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">3\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">次委务会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过。现予公布,自\u003C/span>2021年\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">10\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日起施行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">主席\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">郭树清\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 0 0 11px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;text-indent: 288px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> 202\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">8\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">16\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 29px\">\u003Cbr clear=\"all\" style=\"box-sizing: border-box;break-before: page\"/>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">财产保险公司保险条款和保险费率\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">管理办法\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">第一章\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">总则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为了加强和改进对财产保险公司保险条款和保险费率的监督管理,保护投保人、被保险人和受益人的合法权益,维护保险市场秩序,鼓励财产保险公司创新,根据《中华人民共和国保险法》,制定本办法。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险监督管理委员会(以下简称\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依法对财产保险公司及其分支机构的保险条款和保险费率实施监督管理,遵循保护社会公众利益、防止不正当竞争、与市场行为监管协调配合原则。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司保险条款和保险费率实施分类监管、属地监管,具体由银保监会另行规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当依据法律、行政法规和银保监会的有关规定制订保险条款和保险费率,并对保险条款和保险费率承担相应的责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当依据本办法的规定向银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">申报保险条款和保险费率审批或者备案。财产保险公司分支机构不得申报保险条款和保险费率审批或者备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国保险行业协会应当切实履行保险条款和保险费率行业自律管理职责\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">推进保险条款和保险费率的通俗化、标准化、规范化工作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,研究制订修订主要险种的行业示范条款,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">建立保险条款\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">评估和创新保护机制\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。中国精算师协会应当研究制订修订主要险种的行业基准纯风险损失率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第二章 \u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">条款开发和费率厘定\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司的保险条款和保险费率,应当依法合规,公平合理,不侵害投保人、被保险人和受益人的合法权益,不危及财产保险公司财务稳健和偿付能力;应当符合保险原理,尊重社会公德,不违背公序良俗,不损害社会公共利益,符合《中华人民共和国保险法》等法律、行政法规和银保监会的有关规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司的保险条款应当要素完整、结构清晰、文字准确、表述严谨、通俗易懂,名称符合命名规则。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司的保险费率应当按照合理、公平、充足原则科学厘定,不得妨碍市场公平竞争;保险费率可以上下浮动的,应当明确保险费率调整的条件和范围。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司的合规负责人和总精算师分别负责保险条款审查和保险费率审查,并承担相应的责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十一条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当向合规负责人和总精算师提供其履行工作职责所必需的信息,并充分尊重其专业意见。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当加强对合规负责人和总精算师的管理,按照银保监会的相关规定,建立健全相应的内部管控及问责机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十二条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当按照本办法规定提交由合规负责人出具的法律审查声明书。合规负责人应对以下内容进行审查:\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)保险条款符合《中华人民共和国保险法》等法律、行政法规和银保监会的有关规定;\u003C/span>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)保险条款公平合理,符合保险原理,不损害社会公共利益,不侵害投保人、被保险人和受益人的合法权益,并已通过消费者权益保护审查;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)命名符合规定,要素完备、文字准确、语言通俗、表述严谨。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十三条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当按照本办法规定提交由总精算师签署的精算报告和出具的精算审查声明书。总精算师应对以下内容进行审查:\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)精算报告内容完备;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (二)精算假设和精算方法符合通用精算原理;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (三)保险费率厘定科学准确,满足合理性、公平性和充足性原则,并已通过消费者权益保护审查;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)保险费率符合《中华人民共和国保险法》等法律、行政法规和银保监会的有关规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第三章 \u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">审批和备案\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当将关系社会公众利益的保险险种、依法实行强制保险的险种的保险条款和保险费率报银保监会审批。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其他险种的保险条款和保险费率,财产保险公司应当报银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 43px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">具体应当报送审批或者备案的险种,由银保监会另行规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对于应当审批的保险条款和保险费率,在银保监会批准前,财产保险公司不得经营使用。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对于应当备案的保险条款和保险费率,财产保险公司应\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">当在经营使用后十个工作日内报\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">备案。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\"> 第十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司报送审批或者备案保险条款和保险费率,应当提交下列材料:\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (一)申请文件;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (二)保险条款和保险费率文本;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (三)可行性报告,包括可行性分析、保险条款和保险费率的主要特点、经营模式、风险分析以及风险控制措施等;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (四)总精算师签署的保险费率精算报告,包括费率结果、基础数据及数据来源、厘定方法和模型\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以及费率厘定的主要假设、参数和精算职业判断等;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> (五)法律审查声明书,精算审查声明书;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)银保监会规定的其他材料。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十七条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司使用中国保险行业协会示范条款的,无需提交可行性报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司使用行业基准纯风险损失率的,应当在精算报告中予以说明,无需提供纯风险损失率数据来源。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附加险无需提供可行性报告及精算报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,另有规定的除外\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司修改经批准或备案的保险条款或者保险费率的,应当依照本办法重新报送审批或备案。财产保险公司报送修改保险条款或者保险费率的,除应当提交本办法第十六条规定的材料外,还应当提交保险条款或保险费率的修改前后对比表和修订说明。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">修改后的保险条款和保险费率经批准或者备案后,原保险条款和保险费率自动废止,财产保险公司不得在新订立的保险合同中使用原保险条款和保险费率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司因名称发生变更\u003C/span>,仅申请变更其保险条款和保险费率中涉及的公司名称的,无需提交本办法第十六条中(三)、(四)项规定的材料。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">收到备案材料后,应根据下列情况分别作出处理:\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)备案材料不完整齐备的,要求财产保险公司补正材料;\u003C/span>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)备案材料完整齐备的,编号后反馈财产保险公司。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司及其分支机构可以对已经审批或者备案的保险条款和保险费率进行组合式经营使用,但应当分别列明各保险条款对应的保险费和保险金额。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\"> 财产保险公司及其分支机构经营使用组合式保险条款和保险费率,不得修改已经审批或者备案的保险条款和保险费率。如需修改,应当按照本办法的规定重新报送审批或者备案。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在共保业务中,其他财产保险公司可直接使用首席承保人经审批或者备案的保险条款和保险费率,无需另行申报。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cem style=\"box-sizing: border-box\"> \u003C/em>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第四章 \u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">监督管理\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十三条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司及其分支机构应当严格执行经批准或者备案的保险条款和保险费率,不得违反本办法规定以任何方式改变保险条款或者保险费率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司及其分支机构使用的保险条款或者保险费率被发现违反法律、行政法规或者本办法第七条、第八条、第九条规定的,由银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">责令停止使用、限期修改;情节严重的,可以在一定期限内禁止申报新的保险条款和保险费率。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十五条\u003C/span> \u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当制定保险条款和保险费率开发管理制度,建立审议机制,对保险条款和保险费率开发和管理的重大事项进行审议。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当指定专门部门履行保险条款和保险费率开发管理职能,负责研究开发、报送审批备案、验证修订、清理注销等全流程归口管理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当加强对使用中保险条款和保险费率的管理,指定专门部门进行跟踪评估、完善修订,对不再使用的及时清理。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司应当于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">每年\u003C/span>3月底\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">前,统计分析\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">前一年保险条款和保险费率的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">开发情况、修订情况\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和清理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">情况,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">并形成\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司保险条款\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">费率\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年度分析报告和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">汇总\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">明细\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">表\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,经\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">产品管理委员会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审议通过后\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">同时\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">报银保监会和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司履行保险条款和保险费率开发管理职能的部门负责人对本公司保险条款和保险费率开发管理工作负直接责任。合规负责人对保险条款审查负直接责任,总精算师对保险费率审查负直接责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司履行保险条款和保险费率开发管理职能的部门负责人、合规负责人、总精算师违反本办法规定的,由银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">责令改正、提交书面检查,并可责令公司作出问责处理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第五章 \u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">法律责任\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司未按照规定申请批准保险条款、保险费率的,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">由银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司有下列行为之一的,由银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">:\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)未按照规定报送保险条款、保险费率备案的;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)未按照规定报送或者保管保险条款、保险费率相关的报告、报表、文件、资料的,或者未按照规定提供有关信息、资料的。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司报送审批、备案保险条款和保险费率时,编制或者提供虚假的报告、报表、文件、资料的,由银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司及其分支机构有违反本办法第二十三条规定的,由银保监会或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\"> 第三十五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或其省一级派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依照本办法第二十四条的规定,责令财产保险公司及其分支机构停止使用或限期修改保险条款和保险费率,财产保险公司未停止使用或逾期不改正的,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财产保险公司及其分支机构违反相关规定的,银保监会或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其派出机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除依法对该单位给予处罚外,对其直接负责的主管人员和其他直接责任人员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">依法采取监督管理措施或予以行政处罚\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">第六章 \u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 24px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">附则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会对财产保险公司保险条款和保险费率的审批程序,适用《中华人民共和国行政许可法》和银保监会的有关规定。\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十八\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">条\u003C/span>\u003C/span>\u003C/strong> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">法律、行政法规\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和国务院对\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">机动车辆保险、农业保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、出口信用保险\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">另有规定的,适用其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十九条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法由银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本办法自\u003C/span>20\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">21\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">10\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">1\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日起施行。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">原\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险监督管理委员会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2010年2月5日发布的《财产保险公司保险条款和保险费率管理办法》(\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国保险监督管理委员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会令\u003C/span>2010\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">3号)同时废止。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp>手机扫一扫打开此页版权与免责声明 \u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-08-27T05:58:00.000Z",{"id":48,"name":49,"route":10,"pic":10,"category":11,"intro":10,"content":50,"recommend":13,"listTop":14,"status":15,"createdAt":51,"updatedAt":51},"91d24ee9-5c0d-4757-ab74-dbb5e04871a9","中国银保监会发布《中国银行保险监督管理委员会派出机构监管职责规定》","\u003Cp>中国银行保险监督管理委员会令(2021年第9号)\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《中国银行保险监督管理委员会派出机构监管职责规定》已\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">2021年5月20日\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">经银保监会\u003C/span>20\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">21\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年第\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">5\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">次\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">委务\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过。现予公布\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">2021年10月1日起施行。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;line-height: 21px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;line-height: 21px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">主席\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 36px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">郭树清\u003C/span>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;line-height: 41px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">7\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">30\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cbr clear=\"all\" style=\"box-sizing: border-box;break-before: page\"/>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;line-height: 41px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;line-height: 43px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">中国银行保险监督管理委员会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;line-height: 43px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋_GBK;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋_GBK;box-sizing: border-box\">派出机构监管职责规定\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;line-height: 43px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为明确中国银行保险监督管理委员会(以下简称银保监会)派出机构监管职责,根据《中华人民共和国银行业监督管理法》《中华人民共和国商业银行法》《中华人民共和国保险法》等法律、行政法规,制定本规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本规定所称派出机构,是指银保监会派驻各省(自治区、直辖市)和计划单列市的监管局(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以下\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">简称银保监局)、派驻地市(州、盟)的监管分局(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以下\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">简称银保监分局)以及设在县(市、区、旗)的监管组。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本规定所称\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">是指依法由银行保险监督管理机构监管的商业银行、政策性银行、开发性银行、农村合作银行、村镇银行、外国银行分行、外国银行代表处、农村信用社、农村资金互助社、贷款公司、保险集团(控股)公司、保险公司、外国保险机构驻华代表机构、保险资产管理公司、保险代理机构、保险经纪机构、保险公估机构、信托公司、金融资产管理公司、金融资产投资公司、金融租赁公司、企业集团财务公司、消费金融公司、汽车金融公司、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行理财公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、货币经纪公司等机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会对派出机构实行垂直领导。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构监管职责的确立,遵循职权法定、属地监管、分级负责、权责统一的原则。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局在银保监会的领导下,履行所在省(自治区、直辖市)和计划单列市银行业和保险业监督管理职能。银保监局根据银保监会的授权和统一领导,依法依规独立对辖内银行业\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险业实行统一监督管理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监分局在银保监局的领导下,履行所在地市银行业和保险业监督管理职能。银保监分局根据银保监会和省(自治区、直辖市)银保监局的授权和统一领导,依法依规独立对辖内银行业和保险业实行统一监督管理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">县(市、区、旗)监管组在银保监局或银保监分局的授权和统一领导下,依法依规负责所在县市\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及其业务活动的监管工作,收集所在县市有关金融风险的信息并向上级机构报告,承担交办的其他工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构在履行职责过程中坚持和加强党对银行业和保险业监管工作的集中统一领导,确保党中央关于银行业和保险业监管工作的方针政策和决策部署得到贯彻落实。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构依法、公开、公正履行对辖内银行业和保险业的监管职责,维护银行业和保险业金融活动当事人的合法权益,促进辖内银行业和保险业合法、稳健运行,防范和化解金融风险等。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">派出机构根据有关规定统计辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">有关数据和信息,跟踪、监测、研判辖内银行业和保险业运行情况,报送辖内银行业和保险业运行情况和风险情况,及时向上级监管机构报告有可能影响当地银行业和保险业稳健运行的重大事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会依照法律法规统一监督管理全国银行业和保险业。银保监会可以根据实际需要,明确银保监会直接监管的机构,并在官方网站公布各\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">法人的监管责任单位。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局根据法律、行政法规及银保监会的规定,负责辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的直接监管,具体名单由银保监局、银保监分局公布。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依照法定权限和程序制定涉及辖内银行业和保险业监管的规范性文件,并负责监督相关法律、行政法规及规章制度在辖内的贯彻实施。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局根据法律、行政法规和银保监会的规定,依法对辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及其有关人员实施行政许可。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法对辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的公司治理、风险管理、内部控制、资本充足、偿付能力、资产质量、业务活动、信息披露、信息科技、第三方合作等实施监督管理,具体监管事项依照法律、行政法规和银保监会的相关规定确定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法对辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">实施现场检查、调查和非现场监管,参与防范和处置辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">有关风险。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责辖内银行业和保险业消费者权益保护工作,督促辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">健全消费者权益保护体制机制,规范经营行为,强化落实消费投诉处理主体责任,做好金融消费者教育宣传等工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局根据法律、行政法规和银保监会的规定,负责辖内信访、银行保险违法行为举报处理以及消费投诉督查等工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法负责本机构政府信息公开工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局根据法律、行政法规及银保监会的规定,负责辖内银行业和保险业重大风险事件处置、涉刑案件管理、反保险欺诈、反洗钱和反恐怖融资监督管理,督导\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">做好安全保卫相关工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法督导\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">做好非法集资可疑资金的监测工作,建立健全与非法集资之间的防火墙。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法查处辖内非法设立银行保险机构、非法以银行业金融机构名义从事业务以及非法经营保险业务的行为。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十八条\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责辖内应急管理工作,督促\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">落实突发事件信息报送首报责任,按规定组织开展应急演练,制定应急预案并向上级单位报备。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责统筹开展辖内新闻宣传工作,指导辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">新闻宣传工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责督促辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">做好声誉风险管理工作,及时、妥善处置声誉风险事件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十条\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局按照银保监会统一部署,推动辖内银行业和保险业信用体系建设工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局对违反法律、行政法规、银行保险监管规定的机构和人员,依法实施行政处罚或者监管措施。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上级监管机构发现下级监管机构负责监管的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">出现下列情形时,应当督促下级监管机构加强监管,情节严重的,可以上收监管权限:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)风险状况急剧恶化;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)存在重大违法违规问题;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)上级监管机构认为需要上收监管权限的其他情况。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上级监管机构可以依法委托下级监管机构实施监管行为,并负责监督委托实施的行为,对委托实施行为的后果承担法律责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">设有银保监分局的银保监局负责审理以辖内银保监分局为被申请人的行政复议案件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责涉及本机构的各类诉讼的应诉工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十六条\u003C/span> \u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局在监管职责范围内与辖区司法机关建立协助机制,依法处理司法机关来访、来函等事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责建立和完善与辖区公安机关、纪检监察机关\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">协作配合机制,按照规定向公安机关、纪检监察机关通报和移送\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">违法犯罪案件线索,配合公安机关、纪检监察机关开展调查工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局按照银保监会的统一部署,支持辖内相关自律组织等发挥金融纠纷调解作用,监督辖区银行业\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险业调解机构规范运行,加强与辖区司法机关、司法行政机关、仲裁机构的联系,推动建立完善多元化金融纠纷解决机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依法依规协同配合做好辖内银行业\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险业风险防范和化解工作,切实承担监管责任,推动落实地方党委党的领导责任、地方国有金融资本股东责任和属地金融风险处置责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局指导和监督地方金融监管部门相关业务工作,并有权纠正不符合相关监管规则的行为。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局负责与辖区地方人民政府相关部门、其他金融管理机构协同推动当地普惠金融发展,指导辖内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">推进小微企业、\u003C/span>“三农”等普惠金融重点领域工作。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监局、银保监分局依照法律、行政法规和银保监会的规定对辖内银行业保险业社团组织进行指导和监督。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会对各级派出机构的监管职责另有规定的,从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本规定由银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本规定自\u003C/span>2021年10月1日起施行。《中国银行业监督管理委员会关于印发<中国银行业监督管理委员会监管职责分工和工作程序的暂行规定>的通知》(银监发〔2004〕28号)同时废止。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 48px;text-align: justify\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 48px;text-align: justify\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: 0;font-size: 24px;background: rgb(254, 254, 254)\">1.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: 0;font-size: 24px;background: rgb(254, 254, 254)\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会发布《中国银行保险监督管理委员会派出机构监管职责规定》\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 41px;text-align: justify;line-height: 41px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1000900&itemId=917\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 255);letter-spacing: 0;font-size: 21px;background: rgb(254, 254, 254)\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1000900&itemId=917\u003C/span>\u003C/span>\u003C/a>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 48px;text-align: justify\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: 0;font-size: 24px;background: rgb(254, 254, 254)\">2.\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;letter-spacing: 0;font-size: 24px;background: rgb(254, 254, 254)\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会有关部门负责人就《中国银行保险监督管理委员会派出机构监管职责规定》答记者问\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin-top: 0px;margin-bottom: 0px;padding: 0px;list-style: none;text-size-adjust: none;text-indent: 41px;text-align: justify;line-height: 41px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1000899&itemId=917\" style=\"box-sizing: border-box;color: rgb(0, 0, 0);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 255);letter-spacing: 0;font-size: 21px;background: rgb(254, 254, 254)\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=1000899&itemId=917\u003C/span>\u003C/span>\u003C/a>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp>手机扫一扫打开此页\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-08-10T01:13:27.000Z",{"id":53,"name":54,"route":10,"pic":10,"category":11,"intro":10,"content":55,"recommend":13,"listTop":14,"status":15,"createdAt":56,"updatedAt":56},"298cfc37-0f3b-427c-9999-7abbac9f5079","中国银保监会关于印发深化“证照分离”改革 进一步激发市场主体发展活力实施方案的通知","\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 0;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">各银保监局:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">近日\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国务院印发《关于深化\u003C/span>“证照分离”改革进一步激发市场主体发展活力的通知》(国发〔20\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">21\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">〕\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">7\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">号),决定自\u003C/span>2021年7月1日起\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在全国范围内推行\u003C/span>“证照分离”改革全覆盖,并在自由贸易试验区加大改革试点力度。为落实改革要求,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">制定了《关于深化\u003C/span>“证照分离”改革进一步激发市场主体发展活力的实施方案》\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现予印发,请认真\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">遵照执行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会\u003C/span>\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">2021年7月16日\u003C/span>\u003C/p>\u003Cp>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cbr clear=\"all\" style=\"box-sizing: border-box;break-before: page\"/>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 58.6667px;font-size: 29px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">中国银保监会关于深化\u003C/span>“证照分离”改革\u003C/span> \u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 58.6667px;font-size: 29px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">进一步激发市场主体发展活力的实施方案\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为贯彻落实《国务院关于深化\u003C/span>“证照分离”改革进一步激发市场主体发展活力的通知》(国发〔2021〕7号)要求,进一步激发市场主体活力,结合我会监管工作实际,制定本实施方案。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">一、总体要求\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以习近平新时代中国特色社会主义思想为指导,全面贯彻党的十九大和十九届二中、三中、四中、五中全会精神,认真落实党中央、国务院重大决策部署,持续深化\u003C/span>“放管服”改革,推进银行业保险业简化审批,优化准入服务,创新和强化事中事后监管,进一步优化营商环境,激发市场主体活力,推动经济高质量发展。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">二、改革范围和内容\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">自\u003C/span>2021年7月1日起,在全国范围内,实施涉企经营许可事项全覆盖清单管理,对银行业保险业涉企经营事项采取“优化审批服务”的改革方式,推动行政许可减材料、简程序、减环节。在自由贸易试验区内,进一步加大改革试点力度,采取“审批改为备案”的改革方式,结合监管实际,将部分银行保险机构分支机构设立、高级管理人员任职资格核准等事项由事前审批改为事后报告,自由贸易试验区所在县、不设区的市、市辖区的其他区域参照执行。分类推进审批制度改革的同时,创新和加强事中事后监管,切实履行监管职责,防止出现监管真空。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">三、在全国范围优化审批服务\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)下放审批事权。一是将政策性保险公司分支机构开业审批权限,由银保监会下放至所在地银保监局。二是将非银保监会直接监管的外资法人银行董事长、行长任职资格核准事权,由银保监会下放至拟任职机构所在地银保监局。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)精简审批材料。一是加强与信用体系建设、政务信息资源共享、电子证照应用推广等改革举措的有效衔接,行政许可中不再要求申请人提供营业执照复印件。二是银行业任职资格核准事项中不再要求拟任人提供个人及其家庭主要成员的征信报告,改为拟任人书面承诺符合相关条件要求。三是提升系统内部数据收集和查询能力,不再要求申请人提供我会向银行保险机构颁发的许可证复印件。四是将\u003C/span>“综合鉴定”栏目统一纳入任职资格申请表,保险业任职资格核准事项中不再要求申请人提供单独的综合鉴定材料。五是结合审批工作实际,进一步精简部分许可事项申请材料,详见《中央层面设定的涉企经营许可事项改革清单(2021年全国版)》(国发〔2021〕7号文附件1)第398、403、405、417、418项等。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)压减审批环节。一是保险集团(控股)公司、保险公司(含专属自保组织和相互保险组织)因变更名称、股权、注册资本、业务范围等前置审批事项修改公司章程的,章程不需再次报请审批,改为事后报告。二是落实《中国银保监会办公厅关于深化银行业保险业\u003C/span>“放管服”改革 优化营商环境的通知》(银保监办发〔2020〕129号)要求,取消银行业保险业董事、监事(保险业)和高级管理人员任职资格考试。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)压减审批时限。将融资担保公司设立、变更审批事项的审批时限由\u003C/span>30日压减至20日。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)延长许可证件有效期限。将典当经营许可证的有效期限由\u003C/span>6年延长至10年。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">四、简化自由贸易试验区准入\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)将自由贸易试验区内中外资银行分行级以下分支机构(不含分行)设立、变更、终止和高级管理人员任职资格核准事项,由事前审批改为事后报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)将自由贸易试验区内保险支公司及以下分支机构设立、迁址、撤销和高级管理人员任职资格核准事项,由事前审批改为事后报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)贯彻落实简政放权工作精神和\u003C/span>“证照分离”改革精神,及时总结自由贸易试验区可复制改革试点经验,依法通过修改许可规章制度向全国复制推广。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">五、创新和加强事中事后监管\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)切实做好\u003C/span>“放管结合”。银保监会及其派出机构、地方金融监督管理部门要按照“谁审批、谁监管,谁主管、谁监管”原则,切实履行监管职责,防止出现监管真空。对于下放审批权限的,要同步调整优化监管层级,实现审批监管权责统一。对于事前审批改为事后报告的,要及时明确报告程序和材料目录,督促银行保险机构按规定履行报告手续。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)压实机构主体责任。要求银行保险机构确保相关许可申请材料和报告材料的真实性、完整性、准确性,以及报告所涉机构、高级管理人员的合规性、适格性。对存在未按规定履行报告手续、提交虚假材料等不合规、不审慎行为的机构,依法依规采取监管强制措施、实施行政处罚,同时追究相关责任人责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)强化日常监管。创新随机抽查方式方法,结合问题导向和风险导向确定随机抽查项目,在现场检查中扎实推进\u003C/span>“双随机、一公开”监管。强化科技赋能,依托国家“互联网+监管”系统和银保监会非现场监管信息系统,充分利用大数据等技术手段,加强非现场风险监测。对日常监管中发现的违法违规行为,依法严格实施行政处罚。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)提升信用监管效能。建立与有关部门的监管协调机制和信息共享机制,依法依规实施守信联合激励和失信联合惩戒。加强银行保险机构董事、监事和高级管理人员信用监管,根据违法违规情形和失信程度,依法对有关人员采取行业通报、社会公示、市场禁入等方式进行处理,强化市场约束和社会监督,督促有关人员依法履职。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">六、组织实施\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;vertical-align: baseline;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)加强组织领导。要充分认识\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">深化\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">“证照分离”改革工作的重要意义,加强\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对\u003C/span>“证照分离”改革工作的组织领导,建立有效的工作机制,做好内部条线的工作对接和业务指导,完善事中事后监管措施,确保各项改革措施落地\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">见效\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。按照改革工作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">部署\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>“全国一盘棋”,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">控制试点范围\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,确保有计划、高质量完成改革工作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,稳妥推进自由贸易试验区审批制度改革\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;vertical-align: baseline;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)强化统筹协同。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">统筹\u003C/span>“证照分离”\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">改革\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">与简政放权等工作,放管结合\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、并重\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">推进\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">“互联网+政务服务”“互联网+监管”等系统建设,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">配合市场监管\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">部门\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">深化商事登记制度改革,配合推进电子证照归集运用,强化\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">上下衔接、内外联动,形成工作合力,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">助力\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">各项改革措施落地。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">抓好贯彻落实\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">做好系统内部改革政策解读指导\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">重点加强对行政许可受理窗口服务人员和行政许可审批工作人员培训,确保其掌握\u003C/span>“证照分离”改革工作的实施要求及工作流程,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照新的审批服务方式开展市场准入工作。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过及时更新行政许可办事指南、组织开展改革事项准入政策辅导等方式,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">面向银行保险机构和社会公众,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">做好\u003C/span>“证照分离”改革政策文件的宣传解读\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">工作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,提高政策透明度\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">知晓度。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及时总结经验,查找存在问题,做好改革中期评估工作,确保改革工作取得实效。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本实施方案由银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">附:中国银保监会发布《关于深化\u003C/span>“证照分离”改革进一步激发市场主体发展活力实施方案》\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none\">\u003Ca href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=998699&itemId=915\" style=\"box-sizing: border-box;color: rgb(33, 111, 188);outline-style: none\">\u003Cspan style=\"box-sizing: border-boxtext-decoration:underline;\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;line-height: 48px;color: rgb(0, 0, 255);font-size: 24px\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=998699&itemId=915\u003C/span>\u003C/span>\u003C/a>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;text-indent: 48px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: 'Times New Roman';font-size: 14px;line-height: 28px\">\u003Cbr/>\u003C/p>\u003Cp>手机扫一扫打开此页版权与免责声明 \u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-08-04T03:50:39.000Z",{"id":58,"name":59,"route":10,"pic":10,"category":11,"intro":10,"content":60,"recommend":13,"listTop":14,"status":15,"createdAt":61,"updatedAt":61},"a03b5e94-ae5d-4e00-b79c-04728cf075b2","中国银保监会印发银行保险机构公司治理准则","\u003Cp> 中国银保监会关于印发\u003Cbr style=\"box-sizing: border-box\"/> 银行保险机构公司治理准则的通知银保监发〔2021〕14号\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">《银行保险机构公司治理准则》已于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021年1月6日经中国银保监会2021年第1次委务会议通过,现印发给你们,请遵照执行。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 336px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银保监会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: right;font-family: Calibri;font-size: 14px;text-indent: 336px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">2021年6月2日\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;text-indent: 48px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(此件发至银保监分局和地方法人银行保险机构)\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cbr clear=\"all\" style=\"box-sizing: border-box;break-before: page\"/>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 方正小标宋简体;font-size: 29px\">\u003Cspan style=\"font-family:方正小标宋简体;box-sizing: border-box\">银行保险机构公司治理准则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">总则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为推动银行保险机构提高公司治理质效,促进银行保险机构科学健康发展,根据《中华人民共和国公司法》《中华人民共和国商业银行法》《中华人民共和国银行业监督管理法》《中华人民共和国保险法》和其他相关法律法规,制定本\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">准则。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称银行保险机构,是指在中华人民共和国境内依法设立的股份有限公司形式的商业银行、保险公司。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照公司法、本\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;color: rgb(0, 0, 0);font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">准则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等法律法规及监管规定,建立包括股东大会、董事会、监事会、高级管理层等治理主体在内的公司治理架构,明确各治理主体的职责边界、履职要求,完善风险管控、制衡监督及激励约束机制,不断提升公司治理水平。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当持续提升公司治理水平,逐步达到良好公司治理标准。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">良好公司治理包括但不限于以下内容:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)清晰的股权结构;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)健全的组织架构;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)明确的职责边界;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)科学的发展战略;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)高标准的职业道德准则;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)有效的风险管理与内部控制;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)健全的信息披露机制;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)合理的激励约束机制;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)良好的利益相关者保护机制;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)较强的社会责任意识。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构股东、董事、监事、高级管理人员等应当遵守法律法规、监管规定和公司章程,按照各司其职、各负其责、协调运转、有效制衡的原则行使权利、履行义务,维护银行保险机构合法权益。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东、董事、监事、高级管理人员等治理主体或相关人员不得以干扰股东大会、董事会、监事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">正常召开等方式妨碍公司治理机制的正常运行\u003C/span>,不得损害公司利益。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照法律法规及监管规定,制定并及时修改完善公司章程。银行保险机构章程对公司、股东、董事、监事、高级管理人员具有约束力。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中对股东大会、董事会、监事会、高级管理层的组成\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">职责等作出安排,明确公司及其股东、董事、监事、高级管理人员等各方权利、义务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">主要股东应当以书面形式向银行保险机构作出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在必要时向其补充\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">资本的长期承诺,作为银行保险机构资本规划的一部分\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,并在公司章程中规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司制定审慎利润分配方案时需要考虑的主要因素\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">商业银行应当在公司章程中规定股东在本行授信逾期时的权利限制。主要股东在本行授信逾期的,应当限制其在股东大会的表决权,并限制其提名或派出的董事在董事会的表决权。其他股东在本行授信逾期的,商业银行应当结合本行实际情况,对其相关权利予以限制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国银行保险监督管理委员会(以下简称\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">中国\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及其派出机构通过实施行政许可\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现场检查、非现场监管、评估等方式,对银行保险机构公司治理实施持续监管。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管机构可以根据银行保险机构的不同类型及特点,对其公司治理开展差异化监管。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管机构可以派员列席银行保险机构股东大会、董事会、监事会等会议。银行保险机构召开上述会议,应当至少提前三个工作日通知监管机构。因特殊情况无法满足上述时间要求的,应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及时\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通知监管机构并说明理由。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当将股东大会、董事会和监事会的会议记录和决议等文件及时报送监管机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管机构定期对银行保险机构公司治理情况开展现场或非现场评估。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管机构反馈公司治理监管评估结果后,银行保险机构应当及时将有关情况通报给董事会、监事会、高级管理层,并按监管要求及时进行整改。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">党的领导\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国有银行保险机构应当按照有关规定,将党的领导融入公司治理各个环节,持续探索和完善中国特色现代金融企业制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国有银行保险机构应当将党建工作要求写入公司章程,列明党组织的职责权限、机构设置、运行机制、基础保障等重要事项,落实党组织在公司治理结构中的法定地位。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国有银行保险机构应当坚持和完善\u003C/span>“双向进入、交叉任职”领导体制,符合条件的党委班子成员可以通过法定程序进入董事会、监事会、高级管理层,董事会、监事会、高级管理层中符合条件的党员可以依照有关规定和程序进入党委。党委书记、董事长一般由一人担任,党员行长\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)一般\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">担任副书记。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国有银行保险机构党委要切实发挥把方向、管大局、保落实的领导作用\u003C/span>,重点管政治方向、领导班子、基本制度、重大决策和党的建设,切实承担好从严管党治党责任。重大经营管理事项必须经党委研究讨论后,再由董事会或高级管理层作出决定。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国有银行保险机构要持续健全党委领导下以职工代表大会为基本形式的民主管理制度,重大决策应当听取职工意见,涉及职工切身利益的重大问题必须经过职工代表大会或者职工大会审议,保证职工代表依法有序参与公司治理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">民营银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">要按照\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">党组织\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">设置有关规定,建立党的组织机构,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">积极发挥\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">党组织的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">政治核心作用,加强政治引领,宣传贯彻党的路线方针政策,团结凝聚职工群众,维护各方合法权益,建设先进企业文化,促进银行保险机构持续健康发展。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">股东与股东大会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构股东按照公司法等法律法规、监管规定和公司章程行使股东权利。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构股东除按照公司法等法律法规及监管规定履行股东义务外,还应当承担如下义务:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)使用来源合法的自有资金入股银行保险机构,不得以委托资金、债务资金等非自有资金入股,法律法规或者监管制度另有规定的除外;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)持股比例和持股机构数量符合监管规定,不得委托他人或\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">者\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">接受他人委托持有银行保险机构股份;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照法律法规及监管规定,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">如实\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">向\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构告知\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">财务信息、股权结构、入股资金来源、控股股东、实际控制人、关联方、一致行动人、最终受益人、投资其他金融机构情况等信息;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)股东的控股股东、实际控制人、关联方、一致行动人、最终受益人发生变化的,相关股东应当\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照法律法规及监管规定\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及时将变更情况书面\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">告知银行保险机构\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 40px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)股东发生合并、分立,被采取责令停业整顿、指定托管、接管、撤销等措施,或者进入解散、清算、破产程序,或者其法定代表人、公司名称、经营场所、经营范围及其他重大事项发生变化的,\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照法律法规及监管规定\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及时将相关情况书面\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">告知银行保险机构;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东所持银行保险机构股份涉及诉讼、仲裁、被司法机关\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">等\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">采取法律强制措施、被质押或者解质押的,应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">按照法律法规及监管规定,及时将相关情况书面告知银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)股东转让、质押其持有的银行保险机构股份,或者与银行保险机构开展关联交易的,应当遵守法律法规\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管规定,不得损害其他股东和银行保险机构利益;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)股东及其控股股东、实际控制人不得滥用股东权利或者利用关联关系,损害银行保险机构、其他股东及利益相关者的合法权益,不得干预董事会、高级管理层根据公司章程享有的决策权和管理权,不得越过董事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理层直接干预银行保险机构经营管理;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)银行保险机构发生风险事件或者重大违规行为的,股东应当配合监管机构开展调查和风险处置;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)法律法规、监管规定及公司章程规定股东应当承担的其他义务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中列明上述股东义务,并明确发生重大风险时相应的损失吸收与风险抵御机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当支持股东之间建立沟通协商机制,推动股东相互之间就行使权利开展正当沟通协商。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司与股东之间建立畅通有效的沟通机制,公平对待所有股东,保障股东特别是中小股东对公司重大事项的知情、参与决策和监督等权利。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东有权依照法律法规的规定,通过民事诉讼或其他法律手段维护其合法权益,并可以向监管机构反映有关情况。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第二节\u003C/span> \u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东大会\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构股东\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">大\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当在法律法规和公司章程规定的范围内行使职权。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除公司法规定的职权外,银行保险机构股东大会职权至少应当包括:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)对公司上市作出决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)审议批准股东大会、董事会和监事会议事规则;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)审议批准股权激励计划方案;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)依照法律规定对收购本公司股份作出决议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">;\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)对聘用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">解聘为公司财务报告进行定期法定审计的会计师事务所作出决议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)审议批准法律法规、监管规定或者公司章程规定的应当由股东大会决定的其他事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司法及本条规定的股东\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">大\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会职权不得授予董事会、其他机构或者个人行使。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照法律法规及监管规定,在公司章程中列明股东\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">大\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会职权,股东大会召集、提案、会议通知、表决和决议、会议记录及其签署等内容。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">大\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">分为年度股东大会和临时股东大会。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">每一会计年度结束后六个月内召开\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年度股东大会。银行保险机构应当按照\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">有关\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,召开临时股东大会。二分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上且不少于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">两\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">名独立董事提议召开临时股东大会的,银行保险机构应当在两个月内召开临时股东大会。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年度股东大会或临时股东大会未能在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司法及本准则规定\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">期限内召开的,银行保险机构应当向监管机构书面报告并说明原因。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当制定股东大会议事规则。股东大会议事规则由董事会负责制订,经股东大会审议通过后执行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东大会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现场会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">方式召开\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立安全、经济、便捷的网络或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">采用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">其他方式,为中小股东参加股东大会提供便利条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东大会作出决议,必须经出席会议的股东所持表决权过半数通过。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">但下列事项\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">必须经出席会议股东所持表决权\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司增加或者减少注册资本;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)发行公司债券或者公司上市;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)公司合并、分立、解散、清算或者变更公司形式;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)修改公司章程;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)罢免独立董事;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)审议批准股权激励计划方案;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)法律法规、监管规定或者公司章程规定的,需要经出席会议股东所持表决权\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上通过的其他事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十\u003C/span>\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">鼓励银行保险机构股东大会就选举董事、监事进行表决时,实行累积投票制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东大会应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">将\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">所议事项的决定作成会议记录,会议记录保存期限为永久。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">董事与董事会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事为自然人,由股东大会选举产生、罢免。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">鼓励银行保险机构设立职工董事,职工董事由职工民主选举产生、罢免。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中规定董事的提名及选举制度,明确提名主体资格、提名及审核程序、选举办法等内容。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">单独或者合计持有银行保险机构有表决权股份总数\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上的股东、董事会提名委员会有权提出非独立董事候选人。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">同一股东及其关联\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">方\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">提名的董事原则上不得超过董事会成员总数的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。国家另有规定的除外。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会提名委员会应当避免受股东影响,独立、审慎地行使董事提名权。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事每届任期不得超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年,任期届满,可以连选连任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第二十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事在任期届满前提出辞职的,应当向董事会提交书面辞职报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">因董事辞职导致董事会人数低于公司法规定的最低人数或公司章程规定人数的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">时,在新的董事就任前,提出辞职的董事应当继续履行职责。正在进行重大风险处置的银行保险机构董事,未经监管机构批准不得辞职。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除前款所列情形外,董事辞职自辞职报告送达董事会时生效。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">因董事被股东大会罢免、死亡、独立董事丧失独立性辞职,或者存在其他不能履行董事职责的情况,导致董事会人数低于公司法规定的最低人数或董事会表决所需最低人数时,董事会职权应当由股东大会行使,直至董事会人数符合要求。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事任期届满,或董事会人数低于公司法规定的最低人数或公司章程规定人数的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">时,银行保险机构应当及时启动董事选举程序,召开股东大会选举董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事履行如下职责或义务:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)持续关注公司经营管理状况,有权要求高级管理层全面、及时、准确地提供反映公司经营管理情况的相关资料或就有关问题作出说明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)按时参加董事会会议,对董事会审议事项进行充分审查,独立、专业、客观地发表意见,在审慎判断的基础上独立作出表决;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)对董事会决议承担责任;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)对高级管理层执行股东大会、董事会决议情况进行监督;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)积极参加公司和监管机构等组织的培训,了解董事的权利和义务,熟悉有关法律法规及监管规定,持续具备履行职责所需的专业知识和能力;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)在履行职责时,对公司和全体股东负责,公平对待所有股东;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)执行高标准的职业道德准则,并考虑利益相关者的合法权益;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)对公司负有忠实、勤勉义务,尽职、审慎履行职责,并保证有足够的时间和精力履职;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)遵守法律法规、监管规定和公司章程。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事应当每年至少亲自出席\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上的董事会现场会议;因故不能\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">亲自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">出席的,可以书面委托其他董事代为出席\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,但独立董事不得委托非独立董事代为出席\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一名董事原则上最多接受\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">两\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">名未亲自出席会议董事的委托。在审议关联交易事项时,非关联董事不得委托关联董事代为出席。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事是指在所任职的银行保险机构不担任除董事以外的其他职务,并与银行保险机构及其股东、实际控制人不存在可能影响其对公司事务进行独立、客观判断关系的董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立独立董事制度,独立董事人数原则上不低于董事会成员总数\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">单独或者合计持有银行保险机构有表决权股份总数\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上股东、董事会提名委员会、监事会可以提出独立董事候选人。已经提名非独立董事的股东\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">及其关联方\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">不得再提名独立董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事在一家银行保险机构累计任职不得超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事应当保证有足够的时间和精力有效履行职责,一名自然人最多同时在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">家\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">境内外\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">企业担任独立董事。同时在银行保险机构担任独立董事的,相关机构应当不具有关联关系,不存在利益冲突。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一名自然人不得在超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">两\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">家商业银行同时担任独立董事,不得同时在经营同类业务的保险机构担任独立董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十八条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">辞职导致董事会中独立董事人数占比少于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的,在新的独立董事就任前,该独立董事应当继续履职,因丧失独立性而辞职和被罢免的除外。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第三十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事应当对股东大会或者董事会审议事项发表客观、公正的独立意见,尤其应当就以下事项向股东大会或董事会发表意见:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)重大关联交易;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)董事的提名、任\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">免\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以及高级管理人员的聘任和解聘;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)董事和高级管理人员的薪酬;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)利润分配方案;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">聘用或解聘为公司财务报告进行定期法定审计的会计师事务所\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)其他可能对银行保险机构、中小股东、金融消费者合法权益产生重大影响的事项;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)法律法规、监管规定或者公司章程规定的其他事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事享有与其他董事同等的知情权,银行保险机构应当保障独立董事的知情权,及时完整地向独立董事提供参与决策的必要信息,并为独立董事履职提供必需的工作条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事应当诚信、独立、勤勉履行职责,切实维护银行保险机构、中小股东和金融消费者的合法权益,不受股东、实际控制人、高级管理层或者其他与银行保险机构存在重大利害关系的单位或者个人的影响。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险机构出现公司治理机制重大缺陷或公司治理机制失灵的,独立董事应当及时将有关情况向监管机构报告\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事除按照规定向监管机构报告有关情况外,应当保守银行保险机构秘密。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十二条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独立董事连续\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">次未亲自出席董事会会议的,视为不履行职责,银行保险机构应当在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个月内召开股东大会罢免其职务并选举新的独立董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十三条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构独立董事可以推选一名独立董事,负责召集由独立董事参加的专门会议,研究\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">履职相关\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">问题。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第三节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会对股东大会负责,董事会职权由公司章程根据法律法规、监管规定和公司情况明确规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除公司法规定的职权外,银行保险机构董事会职权至少应当包括:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)制订公司增加或者减少注册资本、发行债券或者其他证券及上市的方案;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">制订公司重大收购、收购本公司股份或者合并、分立、解散及变更公司形式的方案;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)按照监管规定,聘任或者解聘高级管理人员,并决定其报酬、奖惩事项\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监督高级管理层履行职责;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)依照法律法规、监管规定及公司章程,审议批准公司对外投资、资产购置、资产处置与核销、资产抵押、关联交易、数据治理等事项;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)制定公司发展战略并监督战略实施;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)制定公司资本规划,承担资本或偿付能力管理最终责任;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)制定公司风险容忍度、风险管理和内部控制政策,承担全面风险管理的最终责任;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)负责公司信息披露,并对会计和财务报告的真实性、准确性、完整性和及时性承担最终责任;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)定期评估并完善银行保险机构公司治理;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">制订章程修改方案\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">制订股东大会议事规则、董事会议事规则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审议批准董事会专门委员会工作规则;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)提请股东大会聘\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">用\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或者解聘为公司财务报告进行定期法定审计的会计师事务所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十二)维护金融消费者和其他利益相关者合法权益;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十三)建立银行保险机构与股东特别是主要股东之间利益冲突的识别、审查和管理机制;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)承担股东事务的管理责任;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)公司章程规定的其他职权。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会职权由董事会集体行使。公司法规定的董事会职权原则上不得授予董事长、董事、其他机构或个人行使。某些具体决策事项确有必要授权的,应当通过董事会决议的方式依法进行。授权应当一事一授,不得将董事会职权笼统或永久授予其他机构或个人行使。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会应当建立并践行高标准的职业道德准则。职业道德准则应当符合公司长远利益,有助于提升公司的可信度与社会声誉,能够为各治理主体间存在利益冲突时提供判断标准。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会由执行董事、非执行董事(含独立董事)组成。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">执行董事是指在\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除担任董事外,还承担高级管理人员职责的董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">非执行董事是指在\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">不担任除董事外的其他职务,且不承担高级管理人员职责的董事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会人数至少为\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">人。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中明确规定董事会构成,包括执行董事、非执行董事(含独立董事)的人数。董事会人数应当具体、确定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会设董事长一人,可以设副董事长。董事长和副董事长由全体董事过半数选举产生。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第四十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会会议分为定期会议和临时会议。定期会议每年度至少召开\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">次,每次会议应当至少于会议召开\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日前通知全体董事和监事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">有下列情形之一的,银行保险机构应当召开董事会临时会议:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)代表\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">十分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上表决权的股东提议时;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上董事提议时;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">两\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">名以上独立董事提议时;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)监事会提议时;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)董事长认为有必要的。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当制定董事会议事规则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会议事规则应当由董事会制订,股东大会批准。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会会议应有过半数的董事出席方可举行。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">决议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">可以采用现场会议表决和书面传签表决两种方式\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会表决实行一人一票。董事会作出决议,必须经全体董事过半数通过。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">利润分配方案、薪酬方案、重大投资、重大资产处置方案、聘任或解聘高级管理人员、资本补充方案等重大事项不得采取书面传签方式表决,并且应当由\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上董事表决通过。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十一条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">将现场\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议所议事项的决定作成会议记录,出席会议的董事应当在会议记录上签名。董事对会议记录有不同意见的,可以在签字时附加说明。会议记录保存期限为永久。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当采取录音、录像等方式记录董事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现场\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会议情况。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十二条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当及时将监管机构对公司的监管意见及公司整改情况向董事\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、监事、监事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通报。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当设立董事会秘书。董事会秘书由董事长提名,董事会聘任和解聘,对董事会负责。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会负责制定发展战略。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">发展战略应当具备科学性、合理性和稳健性,明确市场定位和发展目标,体现差异化和特色化。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第四节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会专门委员会\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会应当根据法律法规、监管规定和公司情况,单独或合并设立专门委员会,如战略、审计、提名、薪酬、关联交易控制、风险管理、消费者权益保护等专门委员会。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险公司董事会应当根据监管规定设立资产负债管理委员会。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">专门委员会成员由董事组成,应当具备与专门委员会职责相适应的专业知识或工作经验。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审计、提名、薪酬、风险管理、关联交易控制委员会中独立董事占比原则上不低于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,审计、提名、薪酬、关联交易控制委员会应由独立董事担任主任委员或负责人。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">审计委员会成员应当具备财务、审计、会计或法律等某一方面的专业知识和工作经验。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会专门委员会议事规则\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和工作程序由董事会制定。各专门委员会可以制定年度工作计划并定期召开会议。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">监事与监事会\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构监事为自然人,由股东大会或职工民主选举产生、罢免。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事、高级管理人员不得兼任监事。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第五十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事每届任期不得超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年,任期届满,可以连选连任。外部监事在一家银行保险机构累计任职不得超过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中规定监事的提名及选举制度,明确提名主体资格、提名及审核程序、选举办法等内容。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">非职工监事由股东或监事会提名,职工监事\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">由监事会、银行保险机构工会提名。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">已经提名董事的股东及其关联方不得再提名监事\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国家另有规定的从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事任期届满未及时改选,或者监事在任期内辞职导致监事会成员低于法定人数的,在改选出的监事就任前,原监事仍应当依照法律法规和公司章程的规定,继续履行监事职责。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构监事履行如下职责或义务:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)可以列席董事会会议,并对董事会决议事项提出质询或者建议;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)按时参加监事会会议,对监事会决议事项进行充分审查,独立、专业、客观发表意见,在审慎判断的基础上独立作出表决;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)对监事会决议承担责任;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)积极参加公司和监管机构等组织的培训,了解监事的权利和义务,熟悉有关法律法规,持续具备履行职责所需的专业知识和能力;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)对公司负有忠实、勤勉义务,尽职、审慎履行职责,并保证有足够的时间和精力履职;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事应当积极参加监事会组织的监督检查活动,有权依法进行独立调查、取证,实事求是提出问题和监督意见。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)遵守法律法规、监管规定和公司章程。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事应当每年至少亲自出席\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上的监事会现场会议,因故不能\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">亲自\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">出席的,可以书面委托其他监事代为出席。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会对股东大会负责,监事会职权由公司章程根据法律法规、监管规定和公司情况明确规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会除依据公司法等法律法规和公司章程履行职责外,还应当重点关注以下事项:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)监督董事会确立稳健的经营理念、价值准则和制定符合公司情况的发展战略;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)对公司发展战略的科学性、合理性和稳健性进行评估,形成评估报告;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)对公司经营决策、风险管理和内部控制等进行监督检查并督促整改;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)对董事的选聘程序进行监督;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)对公司薪酬管理制度实施情况及高级管理人员薪酬方案的科学性、合理性进行监督;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)法律法规、监管规定和公司章程规定的其他事项。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构监事会由股\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">东\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事、外部监事和职工监事组成。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">外部监事是指\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">在银行保险机构不担任除监事以外的其他职务,并且与银行保险机构及其股东、实际控制人不存在可能影响其独立客观判断关系的监事\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构监事会成员不得少于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">人,其中职工监事的比例不得低于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,外部监事的比例不得低于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在公司章程中明确规定监事会构成,包括股权监事、外部监事、职工监事的人数。监事会人数应当具体、确定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会设主\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">席一人,可以设副主席。监事会主席和副主席由全体监事过半数选举产生。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六十九条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构可以根据本公司情况,在监事会设立提名委员会、监督委员会等专门委员会。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会会议每年度至少召开\u003C/span>4次,监事可以提议召开监事会临时会议。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">决议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">可以采用现场会议表决和书面传签表决两种方式\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会作出决议,必须经全体监事过半数通过。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当制定监事会议事规则\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会议事规则应当由监事会制订,股东大会批准。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十一条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监事会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">将现场会议\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">所议事项的决定作成会议记录,出席会议的监事应当在会议记录上签名。会议记录保存期限为永久。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第六章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">高级管理层\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">根据法律法规、监管规定和公司情况,在公司章程中明确高级管理人员范围\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理层职责,清晰界定董事会与高级管理层之间的关系。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理层对董事会负责,同时接受监事会监督,应当按照董事会、监事会要求,及时、准确、完整地报告公司经营管理情况,提供有关资料。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理层根据公司章程及董事会授权开展经营管理活动,应当积极\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">执行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股东大会决议及董事会决议。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理层依法在其职权范围内的经营管理活动不受股东和董事会不当干预。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当严格依照有关法律法规、监管规定和公司章程,选聘高级管理人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">鼓励银行保险机构采用市场化选聘机制,以公开、透明的方式选聘高级管理人员,持续提升高级管理人员的专业素养和业务水平。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构的控股股东、实际控制人及其关联方不得干预高级管理人员的正常选聘程序,不得越过董事会直接任免高级管理人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构高级管理人员应当遵守法律法规、监管规定和公司章程,具备良好的职业操守,遵守高标准的职业道德准则,对公司负有忠实、勤勉义务,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">善意、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">尽职、审慎履行职责,并保证有足够的时间和精力履职,不得怠于履行职责或越权履职。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当设立行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对董事会负责,由董事会决定聘任或解聘。银行保险机构董事长不得兼任行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当根据法律法规、监管规定和公司情况,在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">章程中明确行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">职权。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会应当建立并执行高级管理层履职问责制度,明确对失职和不当履职行为追究责任的具体方式。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">利益相关者与社会责任\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当尊重\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">金融消费者、员工、供应商、债权人、社区等利益相关者的合法权益,与利益相关者建立沟通交流机制,保障利益相关者能够定期、及时、充分地获得与其权益相关的可靠信息。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当为维护利益相关者合法权益提供必要的条件,当权益受到\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">损\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">害时,利益相关者有机会和途径依法获得救济。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第七十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当加强员工权益保护,保障员工享有平等的晋升发展环境,为职工代表大会、工会依法履行职责提供必要条件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当积极鼓励、支持员工参与公司治理,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">鼓励员工通过合法渠道对有关违法、违规和违反职业道德准则的行为向董事会、监事会或监管机构报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当强化金融消费者权益保护,建立并完善消费者权益保护工作机制、决策机制和监督机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当树立高质量发展的愿景,推行诚实守信、开拓创新的企业文化,树立稳健合规的经营理念,\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">遵守公平、安全、有序的行业竞争秩序。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当贯彻创新、协调、绿色、开放、共享的发展理念,注重环境保护,积极履行社会责任,维护良好的社会声誉,营造和谐的社会关系。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当定期向公众披露社会责任报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">激励约束机制\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立与发展战略、风险管理、整体效益、岗位职责、社会责任、企业文化相适应的科学合理的薪酬管理机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十四条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照收益与风险兼顾、长期与短期激励并重的原则,建立指标科学完备、流程清晰规范的绩效考核机制。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构绩效考核指标应当包括合规经营指标、风险管理指标、经济效益指标和社会责任指标等,且合规经营指标和风险管理指标权重应当高于其他指标。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十五条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立绩效薪酬延期支付和追索扣回制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构执行董事、高级管理人员和关键岗位人员绩效薪酬应当实行延期支付。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">前款所称\u003C/span>“关键岗位人员”,是指对银行保险机构经营风险有直接或重要影响的人员。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在薪酬管理制度中明确关键岗位人员范围。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构发生风险损失超常暴露的,应当按照绩效薪酬追索扣回制度的相关规定,停止支付有关责任人员绩效薪酬未支付部分,并将对应期限内已发放的绩效薪酬追回。关于追索、扣回的规定同样适用于离职人员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">和退休人员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构绩效薪酬支付期限应当充分考虑相应业务的风险持续时期,且不得少于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年,并定期根据业绩实现和风险变化情况对延期支付制度进行调整。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构可以根据国家有关规定,建立市场化的中长期激励机制,不断优化薪酬结构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">鼓励银行保险机构依法合规探索多种非物质激励方式。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构薪酬管理及中长期激励约束机制应当兼顾业务人员与党务、风险管理、合规管理、内部审计等管理、监督人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构内部审计、内控合规和风险管理部门员工的薪酬应独立于业务条线,且薪酬水平应得到适当保证,以确保能够吸引与其职责相匹配的专业人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第八十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当制定董事、监事薪酬制度,明确董事、监事的薪酬或津贴标准,经股东大会审议通过后实施。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立健全董事、监事及高级管理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">人员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">履职评价制度,对董事、监事、高级管理人员开展履职评价。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">信息披露\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照法律法规和监管规定,披露公司重要信息,包括财务状况、重大风险信息和公司治理信息等。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">前款所称\u003C/span>“重要信息”,是指如果发生遗漏或虚假陈述,将对信息使用者决策产生重大影响的信息。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构披露的信息应当真实、准确、完整、及时,简明清晰,通俗易懂,不得有虚假记载、误导性陈述或重大遗漏。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照法律法规和监管规定,在年度信息披露报告中披露公司基本信息、财务会计报告、风险管理信息、公司治理信息、重大事项信息等。\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构半年度、季度信息披露应当参照年度信息披露要求披露。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司治理信息主要包括:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">实际控制人及其控制本公司情况的简要说明;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)持股比例在\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上的股东及其持股变化情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)股东大会职责、主要决议,至少包括会议召开时间、地点、出席情况、主要议题以及表决情况等;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)董事会职责、人员构成及其工作情况,董事简历,包括董事兼职情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)独立董事工作情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">六\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)监事会职责、人员构成及其工作情况,监事简历,包括监事兼职情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">七\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)外部监事工作情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">八\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)高级管理层构成、职责、人员\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">简历;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">九\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)薪酬制度及当年董事、监事和高级管理人员薪酬;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)公司部门设置情况和分支机构设置情况;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)银行保险机构对本公司治理情况的整体评价;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">二\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)外部审计机构出具的审计报告全文;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)监管机构规定的其他信息。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险机构公司治理方面发生下列重大事项的,应当编制临时信息披露报告,披露相关信息并作出简要说明:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)控股股东或者实际控制人发生变更;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)更换董事长或者行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)当年董事会累计变更人数超过董事会成员总数的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三分之一\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)公司名称、注册资本、公司住所或者主要营业场所发生变更;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)经营范围发生变化;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(六)公司合并、分立、解散或者申请破产;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(七)撤销一级分行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">省级分公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(八)对被投资企业实施控制的重大股权投资;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(九)公司或者董事长、行长\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总经理\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受到刑事处罚;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十)公司或者一级分行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">省级分公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">受到监管机构行政处罚;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十一)更换或者提前解聘\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">为公司财务报告进行定期法定审计的\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">会计师事务所;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(十二)监管机构要求披露的其他信息。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立公司网站,按照监管规定披露相关信息。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构年度信息披露报告应当于每年\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">四\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">月\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">三十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">日前在公司网站发布。临时信息披露报告应当自事项发生之日起\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">个工作日内在公司网站发布。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构网站应当保留最近\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">年的年度信息披露报告和临时信息披露报告。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立信息披露管理制度。信息披露管理制度应当包括下列内容:\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(一)信息披露的内容和基本格式;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(二)信息的审核和发布流程;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(三)信息披露的豁免及其审核流程;\u003C/span> \u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(四)信息披露事务的职责分工、承办部门和评价制度;\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(五)责任追究制度。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十六条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会负责本机构信息披露,董事会秘书负责组织和协调公司信息披露事务。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">风险管理与内部控制\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第一节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">风险管理\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十七条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照监管规定,建立覆盖所有业务流程和操作环节,并与本公司风险状况相匹配的全面风险管理体系。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十八条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会承担全面风险管理的最终责任\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第九十九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当设立首席风险官或指定一名\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">高级管理人员\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">担任风险责任人。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">首席风险官或风险责任人应当保持充分的独立性,不得同时负责与风险管理有利益冲突的工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当设立独立的风险管理部门负责全面风险管理。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当在人员数量和资质、薪酬和其他激励政策、信息系统访问权限、专门的信息系统建设以及内部信息渠道等方面给予风险管理部门足够的支持。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当及时向监管机构报告本公司发生的重大风险事件。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第二节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">内部控制\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立健全内部控制体系,明确内部控制职责,完善内部控制措施,强化内部控制保障,持续开展内部控制评价和监督。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零三条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会应当持续关注本公司内部控制状况,建立良好的内部控制文化,对公司内\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">部\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">控\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">制\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的健全性、合理性和有效性进行定期研究和评价。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零四条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立健全内部控制制度体系,对各项业务活动和管理活动制定全面、系统、规范的制度,并定期进行评估。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零五条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当建立健全贯穿各级机构、覆盖所有业务和全部流程的信息系统,及时、准确记录经营管理信息,确保信息的完整、连续、准确和可追溯。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">第三节\u003C/span> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">内外部审计\u003C/span>\u003C/span>\u003C/strong>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零六条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照法律法规和监管规定,建立健全内部审计体系,开展内部审计工作,及时发现问题,有效防范经营风险,促进公司稳健发展。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零七条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">保险机构应当建立与公司目标、治理结构、管控模式、业务性质和规模相适应的内部审计体系,\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">实行内部审计集中化管理或垂直管理,内部审计工作应独立于业务经营、风险管理和内控合规。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零八条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构董事会对内部审计体系的建立、运行与维护,以及内部审计的独立性和有效性承担最终责任。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构监事会对内部审计工作进行指导和监督,有权要求董事会和高级管理层提供审计方面的相关信息。\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百零九条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照有关监管规定,设立首席审计官或审计责任人。首席审计官\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或审计责任人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">对董事会负责,由董事会聘任和解聘,定期向董事会及其审计委员会报告工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当设立独立的内部审计部门,负责开展内部审计相关工作。内部审计部门向首席审计官\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或审计责任人\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">负责并报告工作。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 47px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当按照有关监管规定,配备充足的内部审计人员。内部审计人员应当具备履行内部审计职责所需的专业知识、职业技能和实践经验。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十一条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当聘请独立、专业、具备相应资质的外部审计机构进行财务审计,并对公司内部控制情况进行定期评估。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十二条\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\"> \u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">外部审计机构\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">应当独立、客观、公正、审慎地履行审计职责。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">外部审计机构对财务会计报告出具非标准审计报告的,银行保险机构董事会应当对该审计意见及涉及事项作出专项说明并\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公开\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">披露。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十三条\u003C/span>\u003C/span> \u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构应当将外部审计报告及审计机构对公司内部控制有效性的审计意见及时报送监管机构。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第十一章\u003C/span> \u003Cspan style=\"font-family:黑体;box-sizing: border-box\">附则\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;margin: 0 6px 0 0;padding: 0px;list-style: none;text-size-adjust: none;text-align: center;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十四条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“商业银行、保险公司”“银行保险机构”,是指股份有限公司形式的国有大型商业银行、全国性股份制商业银行、城市商业银行、民营银行、农村商业银行、外资银行、保险集团(控股)公司、财产保险公司、再保险公司、人身保险公司。\u003C/span>\u003Cstrong style=\"box-sizing: border-box\">\u003C/strong>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“主要股东”,是指持有或控制银行保险机构\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上股份或表决权,或持有资本总额或股份总额不足\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之五\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">但对银行保险机构经营管理有重大影响的股东。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">前款所称\u003C/span>“重大影响”,包括但不限于向银行保险机构提名\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">或派出\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事、监事或高级管理人员,通过协议或其他方式影响银行保险机构的财务和经营管理决策以及监管机构认定的其他情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“控股股东”,是指其持有的股份占公司股本总额\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之五十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">以上的股东\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,或\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">持有股份虽然不足\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">百分之五十\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,但依其股份所享有的表决权已足以对股东大会的决议产生重大影响的股东。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“实际控制人”,是指虽不是公司的股东,但通过投资关系、协议或者其他安排,能够实际支配公司行为的人。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“关联方”,是指根据监管机构关于关联交易的监管规定,被认定为具有关联关系的法人或自然人。国家控\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">股\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的企业之间不因为同受国家控股而具有关联关系。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“一致行动人”,是指通过协议、其他安排,与\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">该\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">投资者共同扩大其所能够支配的一个公司股份表决权数量的行为或者事实,达成一致行动的相关投资者。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“最终受益人”,是指实际享有银行保险机构股权收益的人。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“高级管理人员”,是指在银行保险机构高级管理人员任职资格监管制度范围内的,在总行\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">总公司\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">)\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">任职的人员。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“监管机构”,是指中国银保监会及其派出机构。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">“\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司治理机制失灵\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">”\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">的情形,包括但不限于\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">:\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">董事会连续一年以上无法产生;公司董事之间长期冲突,董事会无法\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">出有效决议,且无法通过股东大会解决;公司连续一年以上无法召开股东大会;股东大会表决时无法达到法定或者公司章程规定的比例,连续一年以上不能\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">作\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">出有效的股东大会决议;因资本充足率或偿付能力不足进行增资的提案无法通过;公司现有治理机制无法正常运转导致公司经营管理发生严重困难\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">;\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">监管机构认定的其他情形。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“现场会议”,\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">是指\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">通过\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">现场、\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">视频、电话等能够保证参会人员即时交流讨论方式召开的会议。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“书面传签”,是指通过分别送达审议或传阅送达审议方式对议案作出决议的会议方式。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则所称\u003C/span>“以上”均含本数,“低于”\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">“少于”\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">“超过”不含本数。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十五条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">公司组织形式为有限责任公司的银行保险机构,参照适用本准则,公司法等法律法规及监管制度另有规定的从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">除\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">银行保险机构外\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">,中\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">国银保监会负责监管的其他金融机构参照适用本准则,法律法规及监管制度另有规定的从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">相互保险社、自保公司可以结合机构自身的特殊性,参照适用本准则,法律法规及监管制度另有规定的从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">独资银行保险机构可以不适用本准则关于董事长、副董事长、董事(包括独立董事)提名和选举、监事提名选举、监事会人数及构成\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、监事会主席等相关规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">法律法规及监管制度对外资银行保\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">险机构另有规定的从其规定。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十六条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则由中国银保监会负责解释。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 黑体;font-size: 24px\">\u003Cspan style=\"font-family:黑体;box-sizing: border-box\">第一百一十七条\u003C/span>\u003C/span>\u003Cstrong style=\"box-sizing: border-box\"> \u003C/strong>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则自发布之日起施行。《商业银行公司治理指引》(银监发〔\u003C/span>2013〕34号)、《\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">关于规范保险公司治理结构的指导意见\u003C/span>\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">(试行)》(保监发〔\u003C/span>2006〕2号)同时废止。\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;text-indent: 48px;line-height: 40px\">\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">本准则施行前中国银保监会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">、原中国银行业监督管理委员会、原中国保险监督管理委员会\u003C/span>\u003C/span>\u003Cspan style=\"box-sizing: border-box;padding: 0px;list-style: none;font-family: 仿宋_GB2312;font-size: 24px\">\u003Cspan style=\"font-family:仿宋_GB2312;box-sizing: border-box\">发布的其他监管规定与本准则相冲突的,以本准则为准。\u003C/span>\u003C/span>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px;line-height: 40px\">\u003Cbr/>\u003C/p>\u003Cp style=\"box-sizing: border-box;padding: 0px;list-style: none;text-size-adjust: none;text-align: justify;font-family: Calibri;font-size: 14px\">\u003Cbr/>\u003C/p>\u003Cp>中国银保监会发布《银行保险机构公司治理准则》\u003Ca class=\"itemD_jump ng-binding\" ng-href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=989067&itemId=915\" href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=989067&itemId=915\" style=\"box-sizing: border-box;color: blue;outline-style: none;display: inline-block;width: 1030px;height: auto\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=989067&itemId=915\u003C/a>中国银保监会有关部门负责人就《银行保险机构公司治理准则》答记者问\u003Ca class=\"itemD_jump ng-binding\" ng-href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=988986&itemId=915\" href=\"http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=988986&itemId=915\" style=\"box-sizing: border-box;color: blue;outline-style: none;display: inline-block;width: 1030px;height: auto\">http://www.cbirc.gov.cn/cn/view/pages/ItemDetail.html?docId=988986&itemId=915\u003C/a>手机扫一扫打开此页\u003C/p>\u003Cp>\u003Cbr/>\u003C/p>","2021-06-10T06:51:38.000Z",["Reactive",63],{},["Set"],["ShallowReactive",66],{"$faaljGnBEydAFrkvQT7UkwRw6j66_QGjIBt6LE7oxkeA":-1},"/contents/news/favicon.ico"]