KYB CHINA(2012年11月12日中华人民共和国国务院令第629号公布 根据2016年2月6日《国务院关于修改部分行政法规的决定》修订)
(Promulgated by Decree No. 629 of the State Council of the People's Republic of China on November 12, 2012, and revised in accordance with the Decision of the State Council on Amending Certain Administrative Regulations on February 6, 2016)
总则
General Provisions
为了规范农业保险活动，保护农业保险活动当事人的合法权益，提高农业生产抗风险能力，促进农业保险事业健康发展，根据《中华人民共和国保险法》、《中华人民共和国农业法》等法律，制定本条例。
These Regulations are formulated in accordance with the Insurance Law of the People's Republic of China, the Agriculture Law of the People's Republic of China, and other laws, for the purposes of regulating agricultural insurance activities, protecting the legitimate rights and interests of parties involved in agricultural insurance, improving the ability of agricultural production to resist risks, and promoting the healthy development of agricultural insurance.
本条例所称农业保险，是指保险机构根据农业保险合同，对被保险人在种植业、林业、畜牧业和渔业生产中因保险标的遭受约定的自然灾害、意外事故、疫病、疾病等保险事故所造成的财产损失，承担赔偿保险金责任的保险活动。
For the purposes of these Regulations, 'agricultural insurance' refers to insurance activities in which an insurance institution, in accordance with an agricultural insurance contract, undertakes liability to compensate for property losses suffered by the insured in the production of planting, forestry, animal husbandry, and fishery due to insured perils such as agreed natural disasters, accidents, epidemics, and diseases that occur to the subject matter insured.
本条例所称保险机构，是指保险公司以及依法设立的农业互助保险等保险组织。
For the purposes of these Regulations, 'insurance institution' refers to insurance companies and insurance organizations such as agricultural mutual insurance established in accordance with the law.
国家支持发展多种形式的农业保险，健全政策性农业保险制度。
The State supports the development of various forms of agricultural insurance and improves the policy-based agricultural insurance system.
农业保险实行政府引导、市场运作、自主自愿和协同推进的原则。
Agricultural insurance shall adhere to the principles of government guidance, market operation, voluntary participation, and coordinated promotion.
省、自治区、直辖市人民政府可以确定适合本地区实际的农业保险经营模式。
The people's governments of provinces, autonomous regions, and municipalities directly under the Central Government may determine the agricultural insurance operation model suitable for the actual conditions of their respective regions.
任何单位和个人不得利用行政权力、职务或者职业便利以及其他方式强迫、限制农民或者农业生产经营组织参加农业保险。
No unit or individual may use administrative power, position or professional convenience, or other means to force or restrict farmers or agricultural production and operation organizations from participating in agricultural insurance.
国务院保险监督管理机构对农业保险业务实施监督管理。国务院财政、农业、林业、发展改革、税务、民政等有关部门按照各自的职责，负责农业保险推进、管理的相关工作。
The insurance regulatory authority of the State Council shall supervise and administer agricultural insurance business. The finance, agriculture, forestry, development and reform, taxation, civil affairs, and other relevant departments of the State Council shall, in accordance with their respective functions and duties, be responsible for the promotion and management of agricultural insurance.
财政、保险监督管理、国土资源、农业、林业、气象等有关部门、机构应当建立农业保险相关信息的共享机制。
The finance, insurance regulatory, land and resources, agriculture, forestry, meteorology, and other relevant departments and institutions shall establish a mechanism for sharing information related to agricultural insurance.
县级以上地方人民政府统一领导、组织、协调本行政区域的农业保险工作，建立健全推进农业保险发展的工作机制。县级以上地方人民政府有关部门按照本级人民政府规定的职责，负责本行政区域农业保险推进、管理的相关工作。
The local people's governments at or above the county level shall uniformly lead, organize, and coordinate agricultural insurance work within their respective administrative regions, and establish and improve working mechanisms to promote the development of agricultural insurance. The relevant departments of local people's governments at or above the county level shall, in accordance with the functions and duties prescribed by the people's government at the same level, be responsible for the promotion and management of agricultural insurance within their respective administrative regions.
国务院有关部门、机构和地方各级人民政府及其有关部门应当采取多种形式，加强对农业保险的宣传，提高农民和农业生产经营组织的保险意识，组织引导农民和农业生产经营组织积极参加农业保险。
The relevant departments and institutions of the State Council and local people's governments at all levels and their relevant departments shall adopt various forms to strengthen the publicity of agricultural insurance, enhance the insurance awareness of farmers and agricultural production and operation organizations, and organize and guide farmers and agricultural production and operation organizations to actively participate in agricultural insurance.
农民或者农业生产经营组织投保的农业保险标的属于财政给予保险费补贴范围的，由财政部门按照规定给予保险费补贴，具体办法由国务院财政部门商国务院农业、林业主管部门和保险监督管理机构制定。
If the subject matter insured by farmers or agricultural production and operation organizations under agricultural insurance falls within the scope of premium subsidies provided by the finance department, the finance department shall grant premium subsidies in accordance with the relevant provisions. The specific measures shall be formulated by the finance department of the State Council in consultation with the agriculture and forestry authorities of the State Council and the insurance regulatory authority.
国家鼓励地方人民政府采取由地方财政给予保险费补贴等措施，支持发展农业保险。
The State encourages local people's governments to adopt measures such as providing premium subsidies from local finances to support the development of agricultural insurance.
国家建立财政支持的农业保险大灾风险分散机制，具体办法由国务院财政部门会同国务院有关部门制定。
The State shall establish a fiscally supported mechanism for spreading catastrophic risks in agricultural insurance. The specific measures shall be formulated by the finance department of the State Council jointly with the relevant departments of the State Council.
国家鼓励地方人民政府建立地方财政支持的农业保险大灾风险分散机制。
The State encourages local people's governments to establish a mechanism for spreading catastrophic risks in agricultural insurance supported by local finances.
保险机构经营农业保险业务依法享受税收优惠。
Insurance institutions operating agricultural insurance business shall enjoy tax preferences in accordance with the law.
国家支持保险机构建立适应农业保险业务发展需要的基层服务体系。
The State supports insurance institutions in establishing a grassroots service system that meets the needs of agricultural insurance business development.
国家鼓励金融机构对投保农业保险的农民和农业生产经营组织加大信贷支持力度。
The State encourages financial institutions to increase credit support for farmers and agricultural production and operation organizations that have purchased agricultural insurance.
农业保险合同
Agricultural Insurance Contracts
农业保险可以由农民、农业生产经营组织自行投保，也可以由农业生产经营组织、村民委员会等单位组织农民投保。
Agricultural insurance may be purchased by farmers or agricultural production and operation organizations on their own, or may be purchased on behalf of farmers by units such as agricultural production and operation organizations or villagers' committees.
由农业生产经营组织、村民委员会等单位组织农民投保的，保险机构应当在订立农业保险合同时，制定投保清单，详细列明被保险人的投保信息，并由被保险人签字确认。保险机构应当将承保情况予以公示。
Where agricultural insurance is purchased on behalf of farmers by units such as agricultural production and operation organizations or villagers' committees, the insurance institution shall, when concluding the agricultural insurance contract, prepare an insurance list detailing the insurance information of the insured, which shall be confirmed by the insured's signature. The insurance institution shall publicize the underwriting information.
在农业保险合同有效期内，合同当事人不得因保险标的的危险程度发生变化增加保险费或者解除农业保险合同。
During the term of an agricultural insurance contract, the parties to the contract shall not increase the premium or terminate the agricultural insurance contract due to a change in the degree of risk of the subject matter insured.
保险机构接到发生保险事故的通知后，应当及时进行现场查勘，会同被保险人核定保险标的的受损情况。由农业生产经营组织、村民委员会等单位组织农民投保的，保险机构应当将查勘定损结果予以公示。
Upon receiving notice of the occurrence of an insured event, the insurance institution shall promptly conduct on-site surveys and, together with the insured, verify the extent of damage to the subject matter insured. Where agricultural insurance is purchased on behalf of farmers by units such as agricultural production and operation organizations or villagers' committees, the insurance institution shall publicize the results of the survey and loss assessment.
保险机构按照农业保险合同约定，可以采取抽样方式或者其他方式核定保险标的的损失程度。采用抽样方式核定损失程度的，应当符合有关部门规定的抽样技术规范。
Insurance institutions may, in accordance with the agricultural insurance contract, adopt sampling methods or other methods to verify the extent of loss of the insured subject matter. Where sampling methods are used to verify the extent of loss, they shall comply with the sampling technical specifications prescribed by the relevant authorities.
法律、行政法规对受损的农业保险标的的处理有规定的，理赔时应当取得受损保险标的已依法处理的证据或者证明材料。
Where laws or administrative regulations provide for the disposal of damaged agricultural insurance subject matter, evidence or certification materials demonstrating that the damaged insured subject matter has been disposed of in accordance with the law shall be obtained at the time of claims settlement.
保险机构不得主张对受损的保险标的残余价值的权利，农业保险合同另有约定的除外。
Insurance institutions shall not assert rights over the residual value of the damaged insured subject matter, unless otherwise agreed in the agricultural insurance contract.
保险机构应当在与被保险人达成赔偿协议后10日内，将应赔偿的保险金支付给被保险人。农业保险合同对赔偿保险金的期限有约定的，保险机构应当按照约定履行赔偿保险金义务。
Insurance institutions shall, within 10 days after reaching a compensation agreement with the insured, pay the insurance compensation payable to the insured. Where the agricultural insurance contract stipulates a time limit for paying insurance compensation, the insurance institution shall perform the obligation to pay insurance compensation in accordance with the agreement.
保险机构应当按照农业保险合同约定，根据核定的保险标的的损失程度足额支付应赔偿的保险金。
Insurance institutions shall, in accordance with the agricultural insurance contract, pay the full amount of insurance compensation payable based on the verified extent of loss of the insured subject matter.
任何单位和个人不得非法干预保险机构履行赔偿保险金的义务，不得限制被保险人取得保险金的权利。
No entity or individual shall illegally interfere with the insurance institution's performance of its obligation to pay insurance compensation, nor restrict the insured's right to receive insurance compensation.
农业生产经营组织、村民委员会等单位组织农民投保的，理赔清单应当由被保险人签字确认，保险机构应当将理赔结果予以公示。
Where agricultural production and operation organizations, villagers' committees, or other entities organize farmers to take out insurance, the claims settlement list shall be signed for confirmation by the insured, and the insurance institution shall publicize the claims settlement results.
本条例对农业保险合同未作规定的，参照适用《中华人民共和国保险法》中保险合同的有关规定。
Where these Regulations do not provide for agricultural insurance contracts, the relevant provisions on insurance contracts in the Insurance Law of the People's Republic of China shall apply mutatis mutandis.
经营规则
Operational Rules
保险机构经营农业保险业务，应当符合下列条件：
Insurance institutions operating agricultural insurance business shall meet the following conditions:
(一)有完善的基层服务网络；
(1) Having a sound grassroots service network;
(二)有专门的农业保险经营部门并配备相应的专业人员；
(2) Having a specialized agricultural insurance business department andequip corresponding professional personnel;
(三)有完善的农业保险内控制度；
(3) Having a sound internal control system for agricultural insurance;
(四)有稳健的农业再保险和大灾风险安排以及风险应对预案；
(4) Having stable agricultural reinsurance and catastrophe risk arrangements and risk response plans;
(五)偿付能力符合国务院保险监督管理机构的规定；
(5) Solvency meeting the requirements of the insurance regulatory authority of the State Council;
(六)国务院保险监督管理机构规定的其他条件。
(6) Other conditions prescribed by the insurance regulatory authority of the State Council.
除保险机构外，任何单位和个人不得经营农业保险业务。
Except for insurance institutions, no entity or individual may operate agricultural insurance business.
保险机构经营农业保险业务，实行自主经营、自负盈亏。
Insurance institutions operating agricultural insurance business shall operate independently and assume sole responsibility for their profits and losses.
保险机构经营农业保险业务，应当与其他保险业务分开管理，单独核算损益。
Insurance institutions operating agricultural insurance business shall manage it separately from other insurance businesses and calculate profits and losses independently.
保险机构应当公平、合理地拟订农业保险条款和保险费率。属于财政给予保险费补贴的险种的保险条款和保险费率，保险机构应当在充分听取省、自治区、直辖市人民政府财政、农业、林业部门和农民代表意见的基础上拟订。
Insurance institutions shall formulate agricultural insurance clauses and premium rates fairly and reasonably. For insurance types that receive premium subsidies from fiscal funds, the insurance clauses and premium rates shall be formulated on the basis of fully soliciting opinions from the finance, agriculture, and forestry departments of the provincial-level people's governments and representatives of farmers.
农业保险条款和保险费率应当依法报保险监督管理机构审批或者备案。
Agricultural insurance clauses and premium rates shall be submitted to the insurance regulatory authority for approval or filing in accordance with the law.
保险机构经营农业保险业务的准备金评估和偿付能力报告的编制，应当符合国务院保险监督管理机构的规定。
The preparation of reserve assessments and solvency reports for agricultural insurance business by insurance institutions shall comply with the requirements of the insurance regulatory authority of the State Council.
农业保险业务的财务管理和会计核算需要采取特殊原则和方法的，由国务院财政部门制定具体办法。
Where special principles and methods are required for the financial management and accounting of agricultural insurance business, specific measures shall be formulated by the finance department of the State Council.
保险机构可以委托基层农业技术推广等机构协助办理农业保险业务。保险机构应当与被委托协助办理农业保险业务的机构签订书面合同，明确双方权利义务，约定费用支付，并对协助办理农业保险业务的机构进行业务指导。
Insurance institutions may entrust grassroots agricultural technology extension and other institutions to assist in handling agricultural insurance business. Insurance institutions shall enter into written contracts with the institutions entrusted to assist in handling agricultural insurance business, specifying the rights and obligations of both parties, agreeing on fee payment, and providing business guidance to the institutions assisting in handling agricultural insurance business.
保险机构应当按照国务院保险监督管理机构的规定妥善保存农业保险查勘定损的原始资料。
Insurance institutions shall properly preserve the original materials of agricultural insurance survey and loss assessment in accordance with the requirements of the insurance regulatory authority of the State Council.
禁止任何单位和个人涂改、伪造、隐匿或者违反规定销毁查勘定损的原始资料。
No unit or individual may alter, forge, conceal, or destroy original survey and loss assessment materials in violation of regulations.
保险费补贴的取得和使用，应当遵守依照本条例第七条制定的具体办法的规定。
The acquisition and use of insurance premium subsidies shall comply with the specific measures formulated in accordance with Article 7 of these Regulations.
禁止以下列方式或者其他任何方式骗取农业保险的保险费补贴：
It is prohibited to obtain agricultural insurance premium subsidies by the following methods or any other means:
(一)虚构或者虚增保险标的或者以同一保险标的进行多次投保；
(1) Fabricating or inflating the subject matter of insurance, or insuring the same subject matter multiple times;
(二)以虚假理赔、虚列费用、虚假退保或者截留、挪用保险金、挪用经营费用等方式冲销投保人应缴的保险费或者财政给予的保险费补贴。
(2) Offsetting the premiums payable by the insured or the fiscal premium subsidies through false claims, inflated expenses, false surrenders, or interception, misappropriation of insurance funds or operating expenses.
禁止任何单位和个人挪用、截留、侵占保险机构应当赔偿被保险人的保险金。
No unit or individual may misappropriate, intercept, or embezzle the insurance compensation payable by the insurance institution to the insured.
本条例对农业保险经营规则未作规定的，适用《中华人民共和国保险法》中保险经营规则及监督管理的有关规定。
For matters not covered by these Regulations regarding agricultural insurance business rules, the relevant provisions of the Insurance Law of the People's Republic of China on insurance business rules and supervision and management shall apply.
法律责任
Legal Liability
保险机构不符合本条例第十七条第一款规定条件经营农业保险业务的，由保险监督管理机构责令限期改正，停止接受新业务；逾期不改正或者造成严重后果的，处10万元以上50万元以下的罚款，可以责令停业整顿或者吊销经营保险业务许可证。
If an insurance institution engages in agricultural insurance business without meeting the conditions specified in Article 17, paragraph 1 of these Regulations, the insurance regulatory authority shall order it to rectify within a time limit and cease accepting new business; if it fails to rectify within the time limit or causes serious consequences, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed, and it may be ordered to suspend business for rectification or have its insurance business license revoked.
保险机构以外的其他组织或者个人非法经营农业保险业务的，由保险监督管理机构予以取缔，没收违法所得，并处违法所得1倍以上5倍以下的罚款；没有违法所得或者违法所得不足20万元的，处20万元以上100万元以下的罚款。
If any other organization or individual other than an insurance institution illegally engages in agricultural insurance business, the insurance regulatory authority shall ban it, confiscate illegal gains, and impose a fine of not less than one time but not more than five times the illegal gains; if there are no illegal gains or the illegal gains are less than 200,000 yuan, a fine of not less than 200,000 yuan but not more than 1,000,000 yuan shall be imposed.
保险机构经营农业保险业务，有下列行为之一的，由保险监督管理机构责令改正，处10万元以上50万元以下的罚款；情节严重的，可以限制其业务范围、责令停止接受新业务：
If an insurance institution engages in agricultural insurance business and commits any of the following acts, the insurance regulatory authority shall order it to rectify and impose a fine of not less than 100,000 yuan but not more than 500,000 yuan; if the circumstances are serious, its business scope may be restricted, or it may be ordered to cease accepting new business:
(一)编制或者提供虚假的报告、报表、文件、资料；
(1) Preparing or providing false reports, statements, documents, or materials;
(二)拒绝或者妨碍依法监督检查；
(2) Refusing or obstructing lawful supervision and inspection;
(三)未按照规定使用经批准或者备案的农业保险条款、保险费率。
(3) Failing to use the approved or filed agricultural insurance clauses and premium rates as required.
保险机构经营农业保险业务，违反本条例规定，有下列行为之一的，由保险监督管理机构责令改正，处5万元以上30万元以下的罚款；情节严重的，可以限制其业务范围、责令停止接受新业务：
If an insurance institution engages in agricultural insurance business and violates these Regulations by committing any of the following acts, the insurance regulatory authority shall order it to rectify and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; if the circumstances are serious, its business scope may be restricted, or it may be ordered to cease accepting new business:
(一)未按照规定将农业保险业务与其他保险业务分开管理，单独核算损益；
(1) Failing to manage agricultural insurance business separately from other insurance businesses and calculate profits and losses independently as required;
(二)利用开展农业保险业务为其他机构或者个人牟取不正当利益；
(2) Using agricultural insurance business to seek improper benefits for other organizations or individuals;
(三)未按照规定申请批准农业保险条款、保险费率。
(3) Failing to apply for approval of agricultural insurance clauses and premium rates as required.
保险机构经营农业保险业务，未按照规定报送农业保险条款、保险费率备案的，由保险监督管理机构责令限期改正；逾期不改正的，处1万元以上10万元以下的罚款。
If an insurance institution engages in agricultural insurance business and fails to submit agricultural insurance clauses and premium rates for filing as required, the insurance regulatory authority shall order it to rectify within a time limit; if it fails to rectify within the time limit, a fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed.
保险机构违反本条例规定，保险监督管理机构除依照本条例的规定给予处罚外，对其直接负责的主管人员和其他直接责任人员给予警告，并处1万元以上10万元以下的罚款；情节严重的，对取得任职资格或者从业资格的人员撤销其相应资格。
If an insurance institution violates these Regulations, in addition to imposing penalties in accordance with these Regulations, the insurance regulatory authority shall issue a warning to the directly responsible supervisor and other directly responsible persons, and impose a fine of not less than 10,000 yuan but not more than 100,000 yuan; if the circumstances are serious, the relevant qualifications of persons who have obtained qualification for office or practice qualifications shall be revoked.
违反本条例第二十三条规定，骗取保险费补贴的，由财政部门依照《财政违法行为处罚处分条例》的有关规定予以处理；构成犯罪的，依法追究刑事责任。
If anyone fraudulently obtains insurance premium subsidies in violation of Article 23 of these Regulations, the financial department shall handle the matter in accordance with the relevant provisions of the Regulations on Penalties and Sanctions for Fiscal Violations; if a crime is constituted, criminal liability shall be pursued according to law.
违反本条例第二十四条规定，挪用、截留、侵占保险金的，由有关部门依法处理；构成犯罪的，依法追究刑事责任。
If anyone misappropriates, intercepts, or embezzles insurance funds in violation of Article 24 of these Regulations, the relevant department shall handle the matter according to law; if a crime is constituted, criminal liability shall be pursued according to law.
保险机构违反本条例规定的法律责任，本条例未作规定的，适用《中华人民共和国保险法》的有关规定。
For legal liability of insurance institutions for violations of these Regulations not covered herein, the relevant provisions of the Insurance Law of the People's Republic of China shall apply.
附则
Supplementary Provisions
保险机构经营有政策支持的涉农保险，参照适用本条例有关规定。
Insurance institutions operating policy-supported agriculture-related insurance shall refer to the relevant provisions of these Regulations.
涉农保险是指农业保险以外、为农民在农业生产生活中提供保险保障的保险，包括农房、农机具、渔船等财产保险，涉及农民的生命和身体等方面的短期意外伤害保险。
Agricultural-related insurance refers to insurance other than agricultural insurance that provides insurance protection for farmers in agricultural production and daily life, including property insurance for farm houses, agricultural machinery, fishing boats, and short-term accidental injury insurance related to farmers' lives and bodies.
本条例自2013年3月1日起施行。
These Regulations shall come into force as of March 1, 2013.