KYB CHINA(2001年12月12日中华人民共和国国务院令第336号公布 根据2013年5月30日《国务院关于修改〈中华人民共和国外资保险公司管理条例〉的决定》第一次修订 根据2016年2月6日《国务院关于修改部分行政法规的决定》第二次修订 根据2019年9月30日《国务院关于修改〈中华人民共和国外资保险公司管理条例〉和〈中华人民共和国外资银行管理条例〉的决定》第三次修订)
(Promulgated by Decree No. 336 of the State Council of the People's Republic of China on December 12, 2001; first revision in accordance with the Decision of the State Council on Amending the Regulations of the People's Republic of China on the Administration of Foreign-Funded Insurance Companies on May 30, 2013; second revision in accordance with the Decision of the State Council on Amending Certain Administrative Regulations on February 6, 2016; third revision in accordance with the Decision of the State Council on Amending the Regulations of the People's Republic of China on the Administration of Foreign-Funded Insurance Companies and the Regulations of the People's Republic of China on the Administration of Foreign-Funded Banks on September 30, 2019)
总则
General Provisions
为了适应对外开放和经济发展的需要，加强和完善对外资保险公司的监督管理，促进保险业的健康发展，制定本条例。
These Regulations are formulated to meet the needs of opening up and economic development, to strengthen and improve the supervision and administration of foreign-funded insurance companies, and to promote the healthy development of the insurance industry.
本条例所称外资保险公司，是指依照中华人民共和国有关法律、行政法规的规定，经批准在中国境内设立和营业的下列保险公司：
For the purposes of these Regulations, foreign-funded insurance companies refer to the following insurance companies established and operated within the territory of China with approval in accordance with relevant laws and administrative regulations of the People's Republic of China:
(一)外国保险公司同中国的公司、企业在中国境内合资经营的保险公司(以下简称合资保险公司)；
(1) Insurance companies jointly operated by foreign insurance companies and Chinese companies or enterprises within the territory of China (hereinafter referred to as joint venture insurance companies);
(二)外国保险公司在中国境内投资经营的外国资本保险公司(以下简称独资保险公司)；
(2) Foreign capital insurance companies invested and operated by foreign insurance companies within the territory of China (hereinafter referred to as wholly foreign-owned insurance companies);
(三)外国保险公司在中国境内的分公司(以下简称外国保险公司分公司)。
(3) Branches of foreign insurance companies within the territory of China (hereinafter referred to as branches of foreign insurance companies).
外资保险公司必须遵守中国法律、法规，不得损害中国的社会公共利益。
Foreign-funded insurance companies must comply with Chinese laws and regulations and shall not harm the social public interests of China.
外资保险公司的正当业务活动和合法权益受中国法律保护。
The legitimate business activities and lawful rights and interests of foreign-funded insurance companies shall be protected by Chinese law.
国务院保险监督管理机构负责对外资保险公司实施监督管理。国务院保险监督管理机构的派出机构根据国务院保险监督管理机构的授权，对本辖区的外资保险公司进行日常监督管理。
The insurance regulatory authority of the State Council shall be responsible for the supervision and administration of foreign-funded insurance companies. The local offices of the insurance regulatory authority of the State Council shall, in accordance with the authorization of the insurance regulatory authority of the State Council, conduct daily supervision and administration of foreign-funded insurance companies within their respective jurisdictions.
设立与登记
Establishment and Registration
设立外资保险公司，应当经国务院保险监督管理机构批准。
The establishment of a foreign-funded insurance company shall be subject to the approval of the insurance regulatory authority of the State Council.
设立外资保险公司的地区，由国务院保险监督管理机构按照有关规定确定。
The regions where foreign-funded insurance companies may be established shall be determined by the insurance regulatory authority of the State Council in accordance with relevant provisions.
设立经营人身保险业务的外资保险公司和经营财产保险业务的外资保险公司，其设立形式、外资比例由国务院保险监督管理机构按照有关规定确定。
For the establishment of foreign-funded insurance companies engaged in life insurance business and foreign-funded insurance companies engaged in property insurance business, the form of establishment and the proportion of foreign capital shall be determined by the insurance regulatory authority of the State Council in accordance with relevant provisions.
合资保险公司、独资保险公司的注册资本最低限额为2亿元人民币或者等值的自由兑换货币；其注册资本最低限额必须为实缴货币资本。
The minimum registered capital for a joint venture insurance company or a wholly foreign-owned insurance company shall be RMB 200 million yuan or an equivalent amount in freely convertible currency; the minimum registered capital must be paid-in monetary capital.
外国保险公司分公司应当由其总公司无偿拨给不少于2亿元人民币或者等值的自由兑换货币的营运资金。
A branch of a foreign insurance company shall be allocated by its head office with operating funds of not less than RMB 200 million yuan or an equivalent amount in freely convertible currency free of charge.
国务院保险监督管理机构根据外资保险公司业务范围、经营规模，可以提高前两款规定的外资保险公司注册资本或者营运资金的最低限额。
The insurance regulatory authority of the State Council may, based on the business scope and scale of operations of a foreign-funded insurance company, raise the minimum amount of registered capital or operating funds as specified in the preceding two paragraphs.
申请设立外资保险公司的外国保险公司，应当具备下列条件：
A foreign insurance company applying to establish a foreign-funded insurance company shall meet the following conditions:
(一)提出设立申请前1年年末总资产不少于50亿美元；
(1) Total assets at the end of the year preceding the application shall be not less than USD 5 billion;
(二)所在国家或者地区有完善的保险监管制度，并且该外国保险公司已经受到所在国家或者地区有关主管当局的有效监管；
(2) The country or region where it is located has a sound insurance regulatory system, and the foreign insurance company has been effectively supervised by the competent authority of that country or region;
(三)符合所在国家或者地区偿付能力标准；
(3) It meets the solvency standards of the country or region where it is located;
(四)所在国家或者地区有关主管当局同意其申请；
(4) The competent authority of the country or region where it is located has consented to its application;
(五)国务院保险监督管理机构规定的其他审慎性条件。
(5) Other prudential conditions as prescribed by the insurance regulatory authority of the State Council.
设立外资保险公司，申请人应当向国务院保险监督管理机构提出书面申请，并提交下列资料：
To establish a foreign-funded insurance company, the applicant shall submit a written application to the insurance regulatory authority of the State Council and provide the following materials:
(一)申请人法定代表人签署的申请书，其中设立合资保险公司的，申请书由合资各方法定代表人共同签署；
(1) An application letter signed by the legal representative of the applicant; if a joint venture insurance company is to be established, the application letter shall be jointly signed by the legal representatives of all joint venture parties;
(二)外国申请人所在国家或者地区有关主管当局核发的营业执照(副本)、对其符合偿付能力标准的证明及对其申请的意见书；
(2) The business license (copy) issued by the competent authority of the country or region where the foreign applicant is located, a certificate of compliance with solvency standards, and an opinion letter on its application;
(三)外国申请人的公司章程、最近3年的年报；
(3) The articles of association of the foreign applicant and its annual reports for the most recent three years;
(四)设立合资保险公司的，中国申请人的有关资料；
(4) If a joint venture insurance company is to be established, relevant materials of the Chinese applicant;
(五)拟设公司的可行性研究报告及筹建方案；
(5) A feasibility study report and a preparation plan for the proposed company;
(六)拟设公司的筹建负责人员名单、简历和任职资格证明；
(6) A list, resumes, and qualification certificates of the persons responsible for the preparation of the proposed company;
(七)国务院保险监督管理机构规定提供的其他资料。
(7) Other materials as required by the insurance regulatory authority of the State Council.
国务院保险监督管理机构应当对设立外资保险公司的申请进行初步审查，自收到完整的申请文件之日起6个月内作出受理或者不受理的决定。决定受理的，发给正式申请表；决定不受理的，应当书面通知申请人并说明理由。
The insurance regulatory authority of the State Council shall conduct a preliminary review of the application for establishing a foreign-funded insurance company and shall, within six months from the date of receipt of the complete application documents, make a decision on whether to accept the application. If it decides to accept, it shall issue a formal application form; if it decides not to accept, it shall notify the applicant in writing and state the reasons.
申请人应当自接到正式申请表之日起1年内完成筹建工作；在规定的期限内未完成筹建工作，有正当理由的，经国务院保险监督管理机构批准，可以延长3个月。在延长期内仍未完成筹建工作的，国务院保险监督管理机构作出的受理决定自动失效。筹建工作完成后，申请人应当将填写好的申请表连同下列文件报国务院保险监督管理机构审批：
The applicant shall complete the preparation work within one year from the date of receipt of the formal application form; if the preparation work is not completed within the prescribed time limit for justified reasons, the period may be extended by three months with the approval of the insurance regulatory authority of the State Council. If the preparation work is still not completed within the extended period, the acceptance decision made by the insurance regulatory authority of the State Council shall automatically lapse. After the preparation work is completed, the applicant shall submit the completed application form together with the following documents to the insurance regulatory authority of the State Council for approval:
(一)筹建报告；
(1) A preparation report;
(二)拟设公司的章程；
(2) The articles of association of the proposed company;
(三)拟设公司的出资人及其出资额；
(3) The contributors to the proposed company and their respective capital contributions;
(四)法定验资机构出具的验资证明；
(4) A capital verification certificate issued by a statutory capital verification institution;
(五)对拟任该公司主要负责人的授权书；
(5) A letter of authorization for the proposed principal responsible person of the company;
(六)拟设公司的高级管理人员名单、简历和任职资格证明；
(6) A list, resumes, and qualification certificates of the senior management personnel of the proposed company;
(七)拟设公司未来3年的经营规划和分保方案；
(7) The business plan and reinsurance plan of the proposed company for the next three years;
(八)拟在中国境内开办保险险种的保险条款、保险费率及责任准备金的计算说明书；
(8) The insurance clauses, premium rates, and calculation instructions for liability reserves for the types of insurance to be offered within the territory of China;
(九)拟设公司的营业场所和与业务有关的其他设施的资料；
(9) Materials on the business premises and other facilities related to the business of the proposed company;
(十)设立外国保险公司分公司的，其总公司对该分公司承担税务、债务的责任担保书；
(10) If a branch of a foreign insurance company is to be established, a guarantee letter from its head office assuming responsibility for the tax and debts of the branch;
(十一)设立合资保险公司的，其合资经营合同；
(11) If a joint venture insurance company is to be established, the joint venture contract;
(十二)国务院保险监督管理机构规定提供的其他文件。
(12) Other documents as required by the insurance regulatory authority of the State Council.
国务院保险监督管理机构应当自收到设立外资保险公司完整的正式申请文件之日起60日内，作出批准或者不批准的决定。决定批准的，颁发经营保险业务许可证；决定不批准的，应当书面通知申请人并说明理由。
The insurance regulatory authority of the State Council shall, within 60 days from the date of receipt of the complete formal application documents for establishing a foreign-funded insurance company, make a decision on whether to approve or disapprove. If it decides to approve, it shall issue an insurance business license; if it decides not to approve, it shall notify the applicant in writing and state the reasons.
经批准设立外资保险公司的，申请人凭经营保险业务许可证向市场监督管理部门办理登记，领取营业执照。
For an approved establishment of a foreign-funded insurance company, the applicant shall, with the insurance business license, register with the market supervision and administration department and obtain a business license.
外资保险公司成立后，应当按照其注册资本或者营运资金总额的20%提取保证金，存入国务院保险监督管理机构指定的银行；保证金除外资保险公司清算时用于清偿债务外，不得动用。
After its establishment, a foreign-funded insurance company shall set aside a deposit equal to 20% of its registered capital or total operating funds and deposit it in a bank designated by the insurance regulatory authority of the State Council; the deposit shall not be used except for the settlement of debts upon liquidation of the foreign-funded insurance company.
外资保险公司在中国境内设立分支机构，由国务院保险监督管理机构按照有关规定审核批准。
The establishment of branches by a foreign-funded insurance company within the territory of China shall be subject to examination and approval by the insurance regulatory authority of the State Council in accordance with relevant provisions.
业务范围
Business Scope
外资保险公司按照国务院保险监督管理机构核定的业务范围，可以全部或者部分依法经营下列种类的保险业务：
A foreign-funded insurance company may, in accordance with the business scope approved by the insurance regulatory authority of the State Council, lawfully operate all or part of the following types of insurance business:
(一)财产保险业务，包括财产损失保险、责任保险、信用保险等保险业务；
(1) Property insurance business, including property loss insurance, liability insurance, credit insurance and other insurance businesses;
(二)人身保险业务，包括人寿保险、健康保险、意外伤害保险等保险业务。
(2) Personal insurance business, including life insurance, health insurance, accident insurance and other insurance businesses.
外资保险公司经国务院保险监督管理机构按照有关规定核定，可以在核定的范围内经营大型商业风险保险业务、统括保单保险业务。
A foreign-funded insurance company, upon verification by the insurance regulatory authority of the State Council in accordance with relevant regulations, may operate large commercial risk insurance business and master policy insurance business within the verified scope.
同一外资保险公司不得同时兼营财产保险业务和人身保险业务。
The same foreign-funded insurance company shall not concurrently operate both property insurance business and personal insurance business.
外资保险公司可以依法经营本条例第十五条规定的保险业务的下列再保险业务：
A foreign-funded insurance company may lawfully operate the following reinsurance businesses for the insurance businesses specified in Article 15 of these Regulations:
(一)分出保险；
(1) Outward reinsurance;
(二)分入保险。
(2) Inward reinsurance.
外资保险公司的具体业务范围、业务地域范围和服务对象范围，由国务院保险监督管理机构按照有关规定核定。外资保险公司只能在核定的范围内从事保险业务活动。
The specific business scope, business geographical scope and service object scope of a foreign-funded insurance company shall be verified by the insurance regulatory authority of the State Council in accordance with relevant regulations. A foreign-funded insurance company may only engage in insurance business activities within the verified scope.
监督管理
Supervision and Administration
国务院保险监督管理机构有权检查外资保险公司的业务状况、财务状况及资金运用状况，有权要求外资保险公司在规定的期限内提供有关文件、资料和书面报告，有权对违法违规行为依法进行处罚、处理。
The insurance regulatory authority of the State Council has the power to inspect the business condition, financial condition and capital utilization condition of a foreign-funded insurance company, has the power to require a foreign-funded insurance company to provide relevant documents, materials and written reports within a specified period, and has the power to impose penalties and take actions against illegal or non-compliant acts in accordance with the law.
外资保险公司应当接受国务院保险监督管理机构依法进行的监督检查，如实提供有关文件、资料和书面报告，不得拒绝、阻碍、隐瞒。
A foreign-funded insurance company shall accept the supervision and inspection conducted by the insurance regulatory authority of the State Council in accordance with the law, truthfully provide relevant documents, materials and written reports, and shall not refuse, obstruct or conceal.
除经国务院保险监督管理机构批准外，外资保险公司不得与其关联企业进行资产买卖或者其他交易。
Except with the approval of the insurance regulatory authority of the State Council, a foreign-funded insurance company shall not conduct asset purchases or other transactions with its affiliated enterprises.
前款所称关联企业，是指与外资保险公司有下列关系之一的企业：
The term "affiliated enterprises" as mentioned in the preceding paragraph refers to enterprises that have one of the following relationships with the foreign-funded insurance company:
(一)在股份、出资方面存在控制关系；
(1) There is a controlling relationship in terms of shares or capital contributions;
(二)在股份、出资方面同为第三人所控制；
(2) Both are controlled by a third party in terms of shares or capital contributions;
(三)在利益上具有其他相关联的关系。
(3) There are other related relationships in terms of interests.
外国保险公司分公司应当于每一会计年度终了后3个月内，将该分公司及其总公司上一年度的财务会计报告报送国务院保险监督管理机构，并予公布。
A branch of a foreign insurance company shall, within three months after the end of each fiscal year, submit the financial and accounting reports of the branch and its head office for the previous fiscal year to the insurance regulatory authority of the State Council and make them public.
外国保险公司分公司的总公司有下列情形之一的，该分公司应当自各该情形发生之日起10日内，将有关情况向国务院保险监督管理机构提交书面报告：
Where the head office of a branch of a foreign insurance company has any of the following circumstances, the branch shall, within 10 days from the date of occurrence of each such circumstance, submit a written report on the relevant situation to the insurance regulatory authority of the State Council:
(一)变更名称、主要负责人或者注册地；
(1) Change of name, principal responsible person or place of registration;
(二)变更资本金；
(2) Change of capital;
(三)变更持有资本总额或者股份总额10%以上的股东；
(3) Change of shareholders holding 10% or more of the total capital or total shares;
(四)调整业务范围；
(4) Adjustment of business scope;
(五)受到所在国家或者地区有关主管当局处罚；
(5) Being penalized by the competent authority of the country or region where it is located;
(六)发生重大亏损；
(6) Incurring significant losses;
(七)分立、合并、解散、依法被撤销或者被宣告破产；
(7) Division, merger, dissolution, being legally revoked or declared bankrupt;
(八)国务院保险监督管理机构规定的其他情形。
(8) Other circumstances specified by the insurance regulatory authority of the State Council.
外国保险公司分公司的总公司解散、依法被撤销或者被宣告破产的，国务院保险监督管理机构应当停止该分公司开展新业务。
Where the head office of a branch of a foreign insurance company is dissolved, legally revoked or declared bankrupt, the insurance regulatory authority of the State Council shall order the branch to cease new business.
外资保险公司经营外汇保险业务的，应当遵守国家有关外汇管理的规定。
Where a foreign-funded insurance company operates foreign exchange insurance business, it shall comply with the relevant state regulations on foreign exchange administration.
除经国家外汇管理机关批准外，外资保险公司在中国境内经营保险业务的，应当以人民币计价结算。
Except with the approval of the state foreign exchange administration authority, a foreign-funded insurance company that operates insurance business within the territory of China shall conduct pricing and settlement in Renminbi.
本条例规定向国务院保险监督管理机构提交、报送文件、资料和书面报告的，应当提供中文本。
Where these Regulations require the submission or provision of documents, materials and written reports to the insurance regulatory authority of the State Council, a Chinese language version shall be provided.
终止与清算
Termination and Liquidation
外资保险公司因分立、合并或者公司章程规定的解散事由出现，经国务院保险监督管理机构批准后解散。外资保险公司解散的，应当依法成立清算组，进行清算。
A foreign-funded insurance company may be dissolved upon approval by the insurance regulatory authority of the State Council due to division, merger, or the occurrence of dissolution events specified in the company's articles of association. Where a foreign-funded insurance company is dissolved, it shall lawfully establish a liquidation group to carry out liquidation.
经营人寿保险业务的外资保险公司，除分立、合并外，不得解散。
A foreign-funded insurance company operating life insurance business shall not be dissolved except in the case of division or merger.
外资保险公司违反法律、行政法规，被国务院保险监督管理机构吊销经营保险业务许可证的，依法撤销，由国务院保险监督管理机构依法及时组织成立清算组进行清算。
Where a foreign-funded insurance company violates laws or administrative regulations and its insurance business license is revoked by the insurance regulatory authority of the State Council, it shall be legally revoked, and the insurance regulatory authority of the State Council shall promptly organize the establishment of a liquidation group to carry out liquidation in accordance with the law.
外资保险公司因解散、依法被撤销而清算的，应当自清算组成立之日起60日内在报纸上至少公告3次。公告内容应当经国务院保险监督管理机构核准。
Where a foreign-funded insurance company is liquidated due to dissolution or legal revocation, it shall make at least three announcements in a newspaper within 60 days from the date of establishment of the liquidation group. The content of the announcements shall be approved by the insurance regulatory authority of the State Council.
外资保险公司不能支付到期债务，经国务院保险监督管理机构同意，由人民法院依法宣告破产。外资保险公司被宣告破产的，由人民法院组织国务院保险监督管理机构等有关部门和有关人员成立清算组，进行清算。
Where a foreign-funded insurance company is unable to pay its due debts, with the consent of the insurance regulatory authority of the State Council, the people's court may declare it bankrupt in accordance with the law. Where a foreign-funded insurance company is declared bankrupt, the people's court shall organize the insurance regulatory authority of the State Council and other relevant departments and persons to establish a liquidation group to carry out liquidation.
外资保险公司解散、依法被撤销或者被宣告破产的，未清偿债务前，不得将其财产转移至中国境外。
Where a foreign-funded insurance company is dissolved, legally revoked or declared bankrupt, it shall not transfer its property outside the territory of China before the debts are fully settled.
法律责任
Legal Liability
违反本条例规定，擅自设立外资保险公司或者非法从事保险业务活动的，由国务院保险监督管理机构予以取缔；依照刑法关于擅自设立金融机构罪、非法经营罪或者其他罪的规定，依法追究刑事责任；尚不够刑事处罚的，由国务院保险监督管理机构没收违法所得，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。
Whoever, in violation of these Regulations, establishes a foreign-funded insurance company without authorization or illegally engages in insurance business activities shall be banned by the insurance regulatory authority of the State Council; if the act constitutes a crime, criminal liability shall be pursued in accordance with the Criminal Law regarding the crime of illegally establishing a financial institution, the crime of illegal business operation or other crimes; if the act does not constitute a crime, the insurance regulatory authority of the State Council shall confiscate the 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.
外资保险公司违反本条例规定，超出核定的业务范围、业务地域范围或者服务对象范围从事保险业务活动的，依照刑法关于非法经营罪或者其他罪的规定，依法追究刑事责任；尚不够刑事处罚的，由国务院保险监督管理机构责令改正，责令退还收取的保险费，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10万元的，处10万元以上50万元以下的罚款；逾期不改正或者造成严重后果的，责令限期停业或者吊销经营保险业务许可证。
Where a foreign-funded insurance company, in violation of these Regulations, engages in insurance business activities beyond the verified business scope, business geographical scope or service object scope, if the act constitutes a crime, criminal liability shall be pursued in accordance with the Criminal Law regarding the crime of illegal business operation or other crimes; if the act does not constitute a crime, the insurance regulatory authority of the State Council shall order correction, order the return of collected premiums, confiscate the 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 100,000 yuan, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed; if the company fails to correct within the time limit or causes serious consequences, it shall be ordered to suspend business for a specified period or its insurance business license shall be revoked.
外资保险公司违反本条例规定，有下列行为之一的，由国务院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，可以责令停止接受新业务或者吊销经营保险业务许可证：
Where a foreign-funded insurance company, in violation of these Regulations, commits any of the following acts, the insurance regulatory authority of the State Council shall order correction and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; if the circumstances are serious, it may order the company to cease accepting new business or revoke its insurance business license:
(一)未按照规定提存保证金或者违反规定动用保证金的；
(1) Failing to set aside a guarantee fund in accordance with regulations or using the guarantee fund in violation of regulations;
(二)违反规定与其关联企业从事交易活动的；
(2) Engaging in transactions with its affiliated enterprises in violation of regulations;
(三)未按照规定补足注册资本或者营运资金的。
(3) Failing to replenish registered capital or operating funds in accordance with regulations.
外资保险公司违反本条例规定，有下列行为之一的，由国务院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：
Where a foreign-funded insurance company, in violation of these Regulations, commits any of the following acts, the insurance regulatory authority of the State Council shall order correction within a specified time limit; if the company fails to correct within the time limit, a fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed:
(一)未按照规定提交、报送有关文件、资料和书面报告的；
(1) Failing to submit or provide relevant documents, materials and written reports in accordance with regulations;
(二)未按照规定公告的。
(2) Failing to make announcements in accordance with regulations.
外资保险公司违反本条例规定，有下列行为之一的，由国务院保险监督管理机构处10万元以上50万元以下的罚款：
Where a foreign-funded insurance company, in violation of these Regulations, commits any of the following acts, the insurance regulatory authority of the State Council shall impose a fine of not less than 100,000 yuan but not more than 500,000 yuan:
(一)提供虚假的文件、资料和书面报告的；
(1) Providing false documents, materials and written reports;
(二)拒绝或者阻碍依法监督检查的。
(2) Refusing or obstructing regulatory inspections according to law.
外资保险公司违反本条例规定，将其财产转移至中国境外的，由国务院保险监督管理机构责令转回转移的财产，处转移财产金额20%以上等值以下的罚款。
If a foreign-funded insurance company violates these regulations by transferring its assets abroad, the insurance regulatory authority of the State Council shall order the return of the transferred assets and impose a fine of not less than 20% but not more than the equivalent amount of the transferred assets.
外资保险公司违反中国有关法律、行政法规和本条例规定的，国务院保险监督管理机构可以取消该外资保险公司高级管理人员一定期限直至终身在中国的任职资格。
If a foreign-funded insurance company violates relevant Chinese laws, administrative regulations, or these regulations, the insurance regulatory authority of the State Council may disqualify the senior management personnel of the foreign-funded insurance company from holding positions in China for a specified period or for life.
附则
Supplementary Provisions
对外资保险公司的管理，本条例未作规定的，适用《中华人民共和国保险法》和其他有关法律、行政法规和国家其他有关规定。
For matters not covered by these regulations regarding the administration of foreign-funded insurance companies, the Insurance Law of the People's Republic of China and other relevant laws, administrative regulations, and other relevant provisions of the state shall apply.
香港特别行政区、澳门特别行政区和台湾地区的保险公司在内地(大陆)设立和营业的保险公司，比照适用本条例。
Insurance companies from the Hong Kong Special Administrative Region, Macao Special Administrative Region, and Taiwan region that establish and operate in the mainland (mainland China) shall apply these regulations mutatis mutandis.
外国保险集团公司可以在中国境内设立外资保险公司，具体管理办法由国务院保险监督管理机构依照本条例的原则制定。
Foreign insurance groups may establish foreign-funded insurance companies within China. Specific administrative measures shall be formulated by the insurance regulatory authority of the State Council in accordance with the principles of these regulations.
境外金融机构可以入股外资保险公司，具体管理办法由国务院保险监督管理机构制定。
Overseas financial institutions may invest in foreign-funded insurance companies as shareholders. Specific administrative measures shall be formulated by the insurance regulatory authority of the State Council.
本条例自2002年2月1日起施行。
These regulations shall come into force as of February 1, 2002.