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Interim Measures for the Administration of Insurance Asset Management Products [Effective]
保險資產管理產品管理暫行辦法 [現行有效]
【法寶引證碼】
 
  
  
Order of the China Banking and Insurance Regulatory Commission 

中國銀行保險監督管理委員會令

(No. 5 [2020]) (2020年第5號)

The Interim Measures for the Administration of Insurance Asset Management Products, as adopted at the 6th executive meeting of the China Banking and Insurance Regulatory Commission on July 19, 2019, are hereby issued, and shall come into force on May 1, 2020. 《保險資產管理產品管理暫行辦法》已于2019年7月19日經中國銀保監會2019年第6次委務會議通過。現予公布,自2020年5月1日起施行。
Chairman: Guo Shuqing 主席 郭樹清
March 18, 2020 2020年3月18日
Interim Measures for the Administration of Insurance Asset Management Products 保險資產管理產品管理暫行辦法
Chapter I General Provisions 

第一章 總 則

Article 1 These Measures are developed in accordance with the Insurance Law of the People's Republic of China, the Banking Supervision Law of the People's Republic of China, the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions (hereinafter referred to as the “Guiding Opinions”) and other relevant laws and regulations for the purposes of regulating the provision of services on insurance asset management products by insurance asset management institutions (hereinafter referred to as “insurance asset management products” or “products”) and protecting the lawful rights and interests of investors and relevant parties.   第一條 為了規范保險資產管理機構開展保險資產管理產品(以下簡稱保險資管產品或者產品)業務,保護投資者和相關當事人合法權益,根據《中華人民共和國保險法》《中華人民共和國銀行業監督管理法》《關于規范金融機構資產管理業務的指導意見》(以下簡稱《指導意見》)及相關法律法規,制定本辦法。
Article 2 These Measures shall apply to the provision of services on insurance asset management products by insurance asset management institutions formed within the territory of the People's Republic of China, except as otherwise provided for by any law, administrative regulation, or the China Banking and Insurance Regulatory Commission (hereinafter referred to as the “CBIRC”).   第二條 在中華人民共和國境內設立的保險資產管理機構開展保險資管產品業務,適用本辦法。法律、行政法規以及中國銀行保險監督管理委員會(以下簡稱銀保監會)另有規定的除外。
Article 3 For the purposes of these Measures, the “services on insurance asset management products” means the financial services that an insurance asset management institution accepts an investor's entrustment to establish an insurance asset management product and serves as the manager to make investment with and manage the entrusted assets of the investor in accordance with laws, regulations and the provisions of the relevant contract.   第三條 本辦法所稱保險資管產品業務,是指保險資產管理機構接受投資者委托,設立保險資管產品并擔任管理人,依照法律法規和有關合同約定,對受托的投資者財產進行投資和管理的金融服務。
Insurance asset management products include debt investment plans, equity investment plans, portfolio products and other products set out by the CBIRC. 保險資管產品包括債權投資計劃、股權投資計劃、組合類產品和銀保監會規定的其他產品。
Article 4 Insurance asset management products shall be issued to qualified investors in a non-public manner.   第四條 保險資管產品應當面向合格投資者通過非公開方式發行。
Article 5 An insurance asset management institution providing services on insurance asset management products shall maximize its advantages of long-term and stable provision of insurance funds so as to serve insurance and guarantee and economic and social development.   第五條 保險資產管理機構開展保險資管產品業務,應當發揮保險資金長期、穩定的優勢,服務保險保障,服務經濟社會發展。
Article 6 An insurance asset management institution providing the services on insurance asset management products shall abide by laws, administrative regulations and the provisions of the CBIRC, follow the principles of fairness and impartiality, protect investors' lawful rights and interests, have good faith, act with due diligence, and prevent conflicts of interest.   第六條 保險資產管理機構開展保險資管產品業務,應當遵守法律、行政法規以及銀保監會的規定,遵循公平、公正原則,維護投資者合法權益,誠實守信、勤勉盡責,防范利益沖突。
Article 7 An insurance asset management institution providing the services on insurance asset management products shall strengthen investor suitability management, fully disclose information and reveal risks to investors, and shall not promise guaranteed principal or return on investment.   第七條 保險資產管理機構開展保險資管產品業務,應當加強投資者適當性管理,向投資者充分披露信息和揭示風險,不得承諾保本保收益。
An investor that invests in any insurance asset management product shall make decisions prudently according to his or her own capability and assume investment risks independently. 投資者投資保險資管產品,應當根據自身能力審慎決策,獨立承擔投資風險。
Article 8 The assets of an insurance asset management product shall be independent of the inherent assets of an insurance asset management institution, a custodian and any natural person, legal person or organization that provides services for product management, as well as other assets under their management. All property and income obtained from managing, utilizing, disposing of product assets or other circumstances shall be incorporated into product assets. If the insurance asset management institution, the custodian or any other institution is liquidated for being dissolved, administratively dissolved or declared bankrupt in accordance with the law or any other reason, product assets are not its liquidating property.   第八條 保險資管產品財產獨立于保險資產管理機構、托管人和其他為產品管理提供服務的自然人、法人或者組織的固有財產和其管理的其他財產。因產品財產的管理、運用、處分或者其他情形取得的財產和收益,應當歸入產品財產。保險資產管理機構、托管人等機構因依法解散、被依法撤銷或者被依法宣告破產等原因進行清算的,產品財產不屬于其清算財產。
Article 9 The Insurance Asset Management Association of China, Shanghai Insurance Exchange Co., Ltd. and PICC Insurance Asset Registration and Trading System Co., Ltd. shall conduct the self-regulatory management of the services on insurance asset management products provided by insurance asset management institutions in accordance with laws, administrative regulations and the provisions of the CBIRC.   第九條 中國保險資產管理業協會、上海保險交易所股份有限公司、中保保險資產登記交易系統有限公司依照法律、行政法規以及銀保監會的規定,對保險資產管理機構開展保險資管產品業務實施自律管理。
Article 10 An insurance asset management institution providing the services on insurance asset management products shall conduct issuance, registration, custody, transaction, settlement and information disclosure, among others, on Shanghai Insurance Exchange Co., Ltd., PICC Insurance Asset Registration and Trading System Co., Ltd., or any other asset registration and trading platform recognized by the CBIRC (hereinafter referred to as the “registration and trading platform”).   第十條 保險資產管理機構開展保險資管產品業務,應當在上海保險交易所股份有限公司、中保保險資產登記交易系統有限公司等銀保監會認可的資產登記交易平臺(以下簡稱登記交易平臺)進行發行、登記、托管、交易、結算、信息披露等。
Article 11 The CBIRC shall supervise and administer the services on insurance asset management products in accordance with the law.   第十一條 銀保監會依法對保險資管產品業務進行監督管理。
The CBIRC shall implement penetrating regulation of the services on insurance asset management products, identify final investors and underlying assets of products, and conduct the comprehensive and dynamic regulation of product operation and management. 銀保監會對保險資管產品業務實行穿透式監管,向上識別產品的最終投資者,向下識別產品的底層資產,并對產品運作管理實行全面動態監管。
Chapter II Parties to Products 

第二章 產品當事人

Article 12 For the purposes of these Measures, “qualified investor” means a natural person, legal person or any other organization that has the corresponding risk identification ability and risk tolerance, invests not less than a certain amount in a product, and meets the following conditions:   第十二條 本辦法所稱合格投資者是指具備相應風險識別能力和風險承擔能力,投資于單只產品不低于一定金額且符合下列條件的自然人、法人或者其他組織:
(1) A natural person having two or more years of investment experience and meeting one of the following conditions: family financial net assets are not less than three million yuan; family financial assets are not less than five million yuan; or the average annual income of the person in the most recent three years is not less than 400,000 yuan. (一)具有兩年以上投資經歷,且滿足以下條件之一的自然人:家庭金融凈資產不低于300萬元人民幣,家庭金融資產不低于500萬元人民幣,或者近三年本人年均收入不低于40萬元人民幣;
(2) A corporate entity, of which the net assets at the end of the most recent year are not less than ten million yuan. (二)最近一年末凈資產不低于1000萬元人民幣的法人單位;
(3) An institution regulated by the financial regulatory authority and asset management products issued by it. (三)接受金融監督管理部門監管的機構及其發行的資產管理產品;
(4) Basic pension funds, social security funds, enterprise annuity funds and other pension funds. (四)基本養老金、社會保障基金、企業年金等養老基金;
(5) Investors otherwise deemed qualified by the CBIRC. (五)銀保監會視為合格投資者的其他情形。
Article 13 An insurance asset management institution providing the services on insurance asset management products shall meet the following conditions:   第十三條 保險資產管理機構開展保險資管產品業務,應當符合下列條件:
(1) It has sound corporate governance, a good market reputation and satisfies the requirements of the CBIRC in terms of its investment management capability. (一)公司治理完善,市場信譽良好,符合銀保監會有關投資管理能力要求;
(2) It has sound operating procedures, an internal control mechanism, risk management and auditing rules, and has set up the mechanism for fair trading and risk isolation. (二)具有健全的操作流程、內控機制、風險管理和稽核制度,建立公平交易和風險隔離機制;
(3) It has set up professional positions such as product development, investment research, investment management, risk control, and performance assessment. (三)設置產品開發、投資研究、投資管理、風險控制、績效評估等專業崗位;
(4) It has a stable investment management team and relevant professionals of which the number is not less than that required. (四)具有穩定的投資管理團隊,擁有不低于規定數量的相關專業人員;
(5) It has not committed any serious violations of laws and regulations in the most recent three years, or has not committed any serious violations of laws and regulations from the date of formation if it has been formed for less than three years. (五)最近三年無重大違法違規行為,設立未滿三年的,自其成立之日起無重大違法違規行為;
(6) Other prudential conditions as set out by the CBIRC. (六)銀保監會規定的其他審慎性條件。
Article 14 An insurance asset management institution providing the services on insurance asset management products shall perform the following duties:   第十四條 保險資產管理機構開展保險資管產品業務,應當履行下列職責:
(1) Legally undergoing product registration formalities and handling share sales, custody and other matters. (一)依法辦理產品的注冊或者登記手續以及份額銷售、托管等事宜;
(2) Applying separate management and separate accounts to the entrusted assets of different products under its management and managing product assets as agreed upon in contracts. (二)對所管理的不同產品受托財產分別管理、分別記賬,按照合同約定管理產品財產;
(3) Determining the income distribution plan according to the provisions of product contracts and distributing income to investors in a timely manner. (三)按照產品合同約定確定收益分配方案,及時向投資者分配收益;
(4) Conducting product accounting and preparing financial accounting reports on products. (四)進行產品會計核算并編制產品財務會計報告;
(5) Calculating and disclosing the net value or return on investment of products according to the law. (五)依法計算并披露產品凈值或者投資收益情況;
(6) Handling information disclosure matters regarding the management of entrusted assets. (六)辦理與受托財產管理業務活動有關的信息披露事項;
(7) Preserving records, account books, statements and other materials regarding the management of entrusted assets. (七)保存受托財產管理業務活動的記錄、賬冊、報表和其他相關資料;
(8) Exercising litigation rights or taking other legal actions in the name of the manager for the benefit of investors. (八)以管理人名義,代表投資者利益行使訴訟權利或者實施其他法律行為;
(9) Other duties as set out by the CBIRC. (九)銀保監會規定的其他職責。
Article 15 An insurance asset management institution providing the services on insurance asset management products shall retain a commercial bank or any other financial institution in compliance with the provisions of the CBIRC and meeting the conditions for the custody of insurance assets to serve as the custodian.   第十五條 保險資產管理機構開展保險資管產品業務,應當聘請符合銀保監會規定且已具備保險資產托管業務條件的商業銀行或者其他金融機構擔任托管人。
Article 16 A custodian shall perform the following duties:   第十六條 托管人應當履行下列職責:
(1) Faithfully performing custodial duties and properly preserving product assets. (一)忠實履行托管職責,妥善保管產品財產;
(2) Maintaining separate accounts for different products and ensuring the independence and integrity of product assets. (二)根據不同產品,分別設置專門賬戶,保證產品財產獨立和安全完整;
(3) Handling fund transfer, liquidation and settlement in a timely manner according to the instructions of the insurance asset management institution. (三)根據保險資產管理機構指令,及時辦理資金劃轉和清算交割;
(4) Reviewing and examining the value of product assets calculated by the insurance asset management institution. (四)復核、審查保險資產管理機構計算的產品財產價值;
(5) Knowing about and obtaining the information on product management and operation, issuing custody reports, and handling information disclosure matters regarding the custody business. (五)了解并獲取產品管理運營的有關信息,辦理出具托管報告等與托管業務活動有關的信息披露事項;
(6) Supervising the investment operation of the insurance asset management institution, supervising the investment scope, and investment varieties, among others, of entrusted product assets, and if it finds that any investment or liquidation instruction of the insurance asset management institution violates any law, administrative regulation, the provisions of the CBIRC or the provisions of the product contract, it shall refuse to execute such an instruction, and file a report with the CBIRC in a timely manner. (六)監督保險資產管理機構的投資運作,對托管產品財產的投資范圍、投資品種等進行監督,發現保險資產管理機構的投資或者清算指令違反法律、行政法規、銀保監會規定或者產品合同約定的,應當拒絕執行,并及時向銀保監會報告;
(7) Preserving records, account books, statements, and other relevant materials regarding the product custody business. (七)保存產品托管業務活動的記錄、賬冊、報表和其他相關資料;
(8) Voluntarily accepting the supervision of investors and the CBIRC, assuming the responsibility for keeping product investment information and relevant materials confidential, and shall not provide any relevant information or materials to any institution or individual, except as otherwise provided for by law, administrative regulation or rule, required in auditing, or agreed upon in a contract. (八)主動接受投資者和銀保監會的監督,對產品投資信息和相關資料承擔保密責任,除法律、行政法規、規章規定或者審計要求、合同約定外,不得向任何機構或者個人提供相關信息和資料;
(9) Other duties provided for by laws, administrative regulations, the provisions of the CBIRC and the provisions of product contracts. (九)法律、行政法規、銀保監會規定以及產品合同約定的其他職責。
Article 17 An insurance asset management institution providing the services on insurance asset management products may, in accordance with the relevant laws, administrative regulations and the provisions of the CBIRC, retain a specialized service provider to provide professional services concerning the products such as independent supervision, credit evaluation, investment consulting, legal services, financial audit and asset appraisal.   第十七條 保險資產管理機構開展保險資管產品業務,可以依照有關法律、行政法規以及銀保監會規定,聘請專業服務機構,為產品提供獨立監督、信用評估、投資顧問、法律服務、財務審計或者資產評估等專業服務。
The insurance asset management institution shall disclose the qualification, charges and other information of the specialized service provider to investors, as well as the conditions for and procedures of replacement and dismissal, and fully reveal the potential risks arising from the recruitment of the specialized service provider. 保險資產管理機構應當向投資者披露專業服務機構的資質、收費等情況,以及更換、解聘的條件和程序,充分揭示聘請專業服務機構可能產生的風險。
Article 18 A specialized service provider shall have good faith, act with due diligence, and meet the following conditions:   第十八條 專業服務機構應當誠實守信、勤勉盡責,并符合下列條件:
(1) It has the business qualification recognized by the relevant department of the state. (一)具有經國家有關部門認可的業務資質;
(2) It has sound management rules, business flow and an internal control mechanism. (二)具有完善的管理制度、業務流程和內控機制;
(3) It is familiar with product-related laws, regulations and policies, business flow and transaction structure, has relevant service experience and capability, and has a good business reputation. (三)熟悉產品相關法律法規、政策規定、業務流程和交易結構,具有相關服務經驗和能力,商業信譽良好;
(4) Other prudential conditions as set out by the CBIRC. (四)銀保監會規定的其他審慎性條件。
An investment advisor retained by an insurance asset management institution shall meet following conditions in addition to the aforesaid conditions: 保險資產管理機構聘請的投資顧問,除滿足上述條件外,還應當符合下列條件:
(1) It has professional qualification and is regulated by the financial regulatory department. (一)具有專業資質并受金融監督管理部門監管;
(2) Its major personnel have the professional knowledge and skills, and have three or more years of relevant business experience. (二)主要人員具備專業知識和技能,從事相關業務三年以上;
(3) It has not committed any major violations of laws and regulations regarding the investment consulting business in the most recent three years. (三)最近三年無涉及投資顧問業務的違法違規行為;
(4) Other conditions as set out by the CBIRC. (四)銀保監會規定的其他條件。
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