Guidelines for Regulation of the Bancassurance Business of Commercial Banks
商业银行代理保险业务监管指引
The Guidelines detail the operating rules for bancassurance business concerning the insurance products, agency fees, sales model, sales, financial accounting, contingency mechanism and intra-industry exchanges.
指引规定了商业银行代理保险业务的经营规则, 涵盖保险产品、代理费用、销售模式、销售行为、财务核算、应急机制和同业交流。
Issue: May 2011
CLP Reference: 3610/11.03.07
PRC Reference: 保监发〔2011〕10号
Promulgated: 07 March 2011
Effective: 07 March 2011
Keywords (click to search):
bancassurance
commercial banks
insurance companies
agency
(Issued by the China Insurance Regulatory Commission and the China Banking Regulatory Commission on, and effective as of, March 7 2011.)
(中國保險監督管理委員會、中國銀行業監督管理委員會於二零一一年三月七日發布施行。)
Part One: General provisions
Article 1: These Guidelines have been formulated pursuant to laws, administrative regulations, and rules such as the PRC Insurance Law (the Insurance Law), the PRC Law on Commercial Banks (the Commercial Banks Law), the PRC Law on the Regulation of the Banking Sector (the Banking Sector Law) in order to regulate the operation of the bancassurance business of commercial banks, protect the lawful rights and interests of consumers of insurance and promote the sustained healthy development of the bancassurance business of commercial banks.
第一条 为了规范商业银行代理保险业务的经营行为，保护保险消费者的合法权益，促进商业银行代理保险业务持续健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）、《中华人民共和国商业银行法》（以下简称《商业银行法》）、《中华人民共和国银行业监督管理法》（以下简称《银行业监督管理法》）等法律、行政法规及规章，制定本指引。
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