关于改革完善保险营销员管理体制的意见
作者:法律资料网 时间:2024-07-22 11:29:29 浏览:9048
来源:法律资料网
下载地址: 点击此处下载
关于改革完善保险营销员管理体制的意见
关于改革完善保险营销员管理体制的意见
保监发〔2010〕84号
各保监局，各保险公司、保险中介机构：
前一时期，保险营销制度在促进保险业快速增长等方面发挥了重要作用。但是，随着社会环境的不断进步，我国保险发展进入新的阶段，保险营销员管理的一些体制机制性矛盾和问题开始显现。管理粗放、大进大出、素质不高、关系不顺等问题比较突出。通过改革创新，逐步解决这些问题，对保险业长期可持续健康发展、防范保险市场系统性风险、维护被保险人利益具有深远意义。经商人力资源和社会保障部、国家工商行政管理总局，现就做好改革完善保险营销员管理体制工作提出以下意见：
一、全行业要深入贯彻落实科学发展观，坚持以人为本，统一思想认识，增强守法意识，高度重视改革完善保险营销员管理体制工作的紧迫性和必要性，充分认识改革完善保险营销员管理体制工作的艰巨性和复杂性，注重调动各方面的主动性和创造性，按照稳定队伍，提高素质，创新模式的总体要求扎实开展工作。
二、各保险公司和保险中介机构应依据《中华人民共和国劳动法》、《中华人民共和国劳动合同法》、《中华人民共和国保险法》等法律法规，依法理顺和明确与保险营销员的法律关系，减少与保险营销员的法律纠纷，切实维护保险营销员的合法权益。着力构建一个法律关系清晰、管理责任明确、权利义务对等、效率与公平兼顾、收入与业绩挂钩，基本保障健全、合法规范、渠道多元、充满活力的保险销售新体系，造就一支品行良好、素质较高、可持续发展的保险营销队伍。
三、各保险公司和保险中介机构应切实承担起本公司保险营销员管理体制改革责任，要从实际出发，立足当前、着眼长远、统筹兼顾、积极稳妥、务求实效，成立由主要负责人组成的公司领导机构，由营销员管理、财务、法律等有关部门组成的工作机构，统筹本公司保险营销员管理体制改革工作。结合公司实际，研究选择合法、有效的保险营销发展方式，制订改革方案，完善配套措施。
四、各保险公司和保险中介机构要按照体制更顺、管控更严、素质更高、队伍更稳的发展方向，全面梳理本公司保险营销员管理情况，要切实转换经营理念，规范公司招聘行为。要缩减保险营销队伍组织管理层级，加强基层机构的管控和监察力度，从严约束和规范基层营销团队管理人员的行为。要逐步转变人力和规模考核导向的利益分配机制，激励考核向基层绩优人员，向业务质量倾斜。要加强保险营销队伍建设，加大对保险营销员的教育培训投入和力度，狠抓营销员队伍的诚信建设，提升保险营销员的综合素质。要改善保险营销员的收入水平和福利待遇，提高保险营销员的职业归属感和公司认同感，促进保险营销队伍稳定发展。
五、鼓励保险公司和保险中介机构积极探索新的保险营销模式和营销渠道，逐步实现保险销售体系专业化和职业化。鼓励保险公司加强与保险中介机构合作，建立起稳定的专属代理关系和销售服务外包模式，通过专业保险中介渠道逐步分流销售职能，集中力量加强产品服务创新、风险管理、资金运用，走专业化、集约化的发展道路。
六、鼓励保险公司投资设立专属保险代理机构或者保险销售公司。鼓励包括外资在内的各类资本投资设立大型保险代理公司和保险销售公司，加快市场化、规范化、职业化和国际化步伐，稳步提高承接保险销售职能的能力，为保险营销员管理体制改革提供更广阔的销售和服务平台。
七、各级保险监管部门要解放思想，与时俱进，鼓励和支持市场主体积极探索改革完善保险营销管理制度，认真研究制订相关政策制度并监督落实情况。要在现行法规框架内积极协调有关部门争取政策支持，创造良好外部环境。要积极配合有关部门依法维护劳动者合法权益，支持有关部门依法整顿市场秩序。对于符合现行法规制度，采取新的保险营销模式的保险公司和保险中介机构，在机构批设、产品创新等方面给予政策支持。
八、全行业要把保险营销队伍稳定问题摆在改革工作的突出位置，逐步推进各项改革进程。各保险公司和保险中介机构要高度关注保险营销队伍的潜藏风险，建立健全保险营销风险防范和危机处理机制，对于风险苗头和问题要及时处理并向各级保险监管部门报告。
全行业要注意研究改革过程中出现的新情况、新问题，化解改革阻力，推动改革进程。要妥善处理改革、发展和稳定的关系，积极探索和总结解决问题的办法和经验。
中国保险监督管理委员会
二○一○年九月二十日
下载地址: 点击此处下载
国务院关于哈尔滨市城市总体规划的批复
国务院关于哈尔滨市城市总体规划的批复
国函 〔2011〕 53 号
黑龙江省人民政府：
你省《关于呈报〈哈尔滨市城市总体规划（2004—2020）〉的请示》（黑政发〔2005〕16号）收悉。现批复如下：
一、原则同意修订后的《哈尔滨市城市总体规划（2011－2020年）》（以下简称《总体规划》）。
二、哈尔滨是黑龙江省省会，我国东北地区重要的中心城市，国家重要的制造业基地，国家历史文化名城。《总体规划》实施要以科学发展观为指导，坚持经济、社会、人口、环境和资源相协调的可持续发展战略，统筹做好哈尔滨市城乡规划、建设和管理的各项工作。要完善公共服务设施和城市功能，逐步把哈尔滨市建设成为经济繁荣、社会和谐、生态良好、特色鲜明的现代化城市。
三、重视城乡统筹发展。在《总体规划》确定的7086平方公里的城市规划区范围内，实行城乡统一规划管理。加强城中村和城乡结合部整治改造，城镇基础设施、公共服务设施的建设应当为周边农村服务。根据市域内不同地区的条件，重点发展县城和基础条件好、发展潜力大的建制镇，优化村镇布局，促进农业产业化和农村经济快速发展。
四、合理控制城市规模。到2020年，主城区城市人口控制在460万人以内，城市建设用地控制在458平方公里以内。根据哈尔滨市资源、环境的实际条件，坚持节约和集约利用土地，合理开发利用城市地下空间资源，切实保护好耕地特别是基本农田。要贯彻城乡规划法关于“先规划、后建设”的要求，禁止在城市总体规划确定的建设用地范围之外设立各类开发区和城市新区。
五、完善城市基础设施体系。要加快公路、铁路、港口和机场等交通基础设施建设，改善城市与周边地区交通运输条件。加强轨道交通的规划和建设，建立以公共交通为主体，各种交通方式相结合的多层次、多类型的城市综合交通系统。统筹规划建设城市供水水源、给水、污水和垃圾处理等基础设施，划定基础设施黄线保护范围，保障建设实施。重视城市防灾减灾和公共安全，加强重点防灾设施和灾害监测预警系统的建设，建立健全包括消防、人防、防洪、防震和防地质灾害等在内的城市综合防灾体系。
六、建设资源节约型和环境友好型城市。城市发展要走节约资源、保护环境的集约化道路，坚持节流、开源、保护并重的原则，节约和集约利用资源。依靠科技进步，积极开发新能源，大力发展循环经济，切实做好节能减排工作。坚持经济建设、城乡建设与环境建设同步规划，严格按照规划提出的各类环保标准限期达标。按照节能减排目标，明确责任主体，落实工作措施，严格控制高耗能行业的发展，强化工业、交通和建筑节能，加强城市环境综合治理，严格控制污染物排放总量，提高污水处理率和垃圾无害化处理率，做好松花江流域水污染防治工作。要划定城市水系的蓝线保护范围，加强水资源保护，严格控制地下水的开采和利用，提高水资源利用效率和效益，建设节水型城市。要加强对太阳岛等风景名胜区和森林公园、水源地、自然保护区等特殊生态功能区的保护，制定保护措施并严格实施。
七、创造良好的人居环境。要坚持以人为本，创建宜居环境。统筹安排关系人民群众切身利益的教育、医疗、市政等公共服务设施的规划布局和建设。将廉租住房、公共租赁住房、经济适用住房和中低价位、中小户型普通商品住房的建设目标纳入近期建设规划，确保城市保障性住房用地的分期供给规模、区位布局和相关资金投入。根据城市的实际需要与可能，稳步推进城市和国有工矿棚户区改造，提高城市居住和生活质量。
八、重视历史文化和风貌特色保护。要统筹协调发展与保护的关系，按照整体保护的原则，切实保护好城市传统风貌和格局。要编制历史文化名城保护专项规划，落实历史文化遗产保护的紫线管理要求，重点保护好中央大街、花园街等历史文化街区，索菲亚教堂、石公祠等文物保护单位及其周围环境。加强绿化工作，划定城市绿地系统的绿线保护范围。要加强对松花江沿岸建筑高度、体量和样式的控制和引导，保护好自然水体、生态岸线和景观风貌，突出北国江城和国际冰雪文化名城的城市特色。
九、严格实施《总体规划》。城市建设要实现经济社会协调发展，物质文明和精神文明共同进步。城市管理要健全民主法制，坚持依法治市，构建和谐社会。《总体规划》是哈尔滨市城市发展、建设和管理的基本依据，城市规划区内的一切建设活动都必须符合《总体规划》的要求。要结合国民经济和社会发展规划，明确实施《总体规划》的重点和建设时序。城市规划行政主管部门要依法对城市规划区范围内（包括各类开发区）的一切建设用地与建设活动实行统一、严格的规划管理，不得在《总体规划》确定的建设用地范围以外作出规划许可，切实保障规划的实施，市级城市规划管理权不得下放。要加强公众和社会监督，提高全社会遵守城市规划的意识。驻哈尔滨市各单位都要遵守有关法规及《总体规划》，支持哈尔滨市人民政府的工作，共同努力，把哈尔滨市规划好、建设好、管理好。
哈尔滨市人民政府要根据本批复精神，认真组织实施《总体规划》，任何单位和个人不得随意改变。你省和住房城乡建设部要对《总体规划》实施工作进行指导、监督和检查。
国务院
二○一一年五月十七日
外国保险机构驻华代表机构管理办法(英文版)
外国保险机构驻华代表机构管理办法(英文版)
Rules on Administration of Representative Offices of Foreign Insurance Institutions
Chapter I General Provisions
Article 1
These rules are formulated in accordance with the Insurance Law of the People’s Republic of China, and for the purpose of strengthening the administration of representative offices of foreign insurance institutions (hereinafter referred to as “representative offices”), and meeting the needs of the opening up of China’s insurance market to the outside world.
Article 2
Foreign insurance institutions hereof referred to in these rules are those insurance companies, reinsurance companies, insurance intermediaries, insurance associations, and other insurance organizations incorporated outside the territory of the People’s Republic of China.
Representative offices hereof referred to in these rules are both representative offices and general representative offices established by foreign insurance institutions within Chinese territory for the purpose of conducting such non-operational activities as liaison service and market research etc.
Chief Representative hereof referred to in these rules is the principal responsible person of the representative office, and the general representative is the principal responsible person of the general representative office.
Article 3
Representative offices shall abide by Chinese laws and regulations and related regulations made by China Insurance Regulatory Commission (hereinafter referred to as “CIRC”) and their legitimate rights and interests are protected by Chinese laws.
Article 4
CIRC is authorized by law and the State Council to perform regulatory responsibilities over the representative offices.
Under the authorization scope of CIRC, the local branch offices of CIRC take general regulation of those representative offices that are located in their jurisdictions on behalf of CIRC.
Chapter Ⅱ Application and Establishment
Article 5
Foreign insurance institutions (hereinafter referred to as “the applicant”) applying to establish a representative office shall satisfy the following requirements:
(1) Good business performance;
(2) No record of any major violation of laws and regulations within three years prior to the application date;
(3) Other prudential requirements stipulated by CIRC.
Article 6
The formal application form for the establishment of representative office is provided by CIRC.
Article 7
The applicant shall submit the following documents:
(1) The formal application form;
(2) A letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;
(3) A photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate issued by the relevant regulatory authorities of its home country or territory;
(4) Articles of association and the name list of the members of the Board of Directors, management personnel or principal partners;
(5) Annual reports of the last three years prior to the application;
(6) A letter of permit issued by the competent authority of its home country or territory allowing it to set up a representative office in China, or a letter of recommendation from the industrial association of which the applicant is a member, and both types of letters shall contain information about the penalty records of the applicant received within three years prior to the application;
(7) A power of attorney signed by the Chairman of the Board or General Manager for the chief representative designated;
(8) The resume of the designated chief representative and other relevant supporting documents;
(9) Other documents and materials required by CIRC.
The photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate shall be subject to notarization certified by the applicant’s home country or territory or verification by the resident Embassy or Consulate of the People’s Republic of China in the applicant’s home country or territory.
Article 8
The applicant shall submit its application documents to CIRC. CIRC shall handle all the applications according to the following conditions:
(1) If the document has a mistake (mistakes) that can be corrected on the spot, the applicant shall be allowed to make the correction on the spot;
(2) If the document is incomplete or does not comply with regulatory formats, the applicant shall be informed on the spot or within five days of all the required corrections at one time. If the applicant is not informed of such information in this period, then it is assumed that the application is accepted for review on the day it is received by CIRC;
(3) If the document is complete and complies with regulatory formats, or after the applicant, upon request, has submitted additional documents and made necessary corrections, then the application shall be accepted for review.
Whether or not CIRC accepts the application for review, CIRC shall issue a written document with designated stamp and date indicated.
Article 9
Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve. If the decision can not be made in the said 20 days, at the approval of the Chairman of CIRC, the said period can be extended 10 more days and the applicant shall be informed of reasons for the extension.
If CIRC decides to accept the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.
Article 10
After a representative office receiving the official document of approval, it shall register with the State Administration of Industry and Commerce in line with relevant rules.
The representative office shall move into its official premises within three months from the date on which the approval document is issued; the approval document shall automatically become invalid if the said deadline is not observed.
Article 11
Any foreign insurance institution that has already established no less than two representative offices in China shall be allowed to apply to CIRC to appoint one of its representative offices as a general representative office.
Article 12
In applying to appoint the general representative office, foreign insurance institutions shall submit a letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.
The application for setting up a general representative office is subject to the same rules governing the application of a representative office.
Chapter Ⅲ Supervision and Administration
Article 13
The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + name of the city where the representative office is to be located + representative office; The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + general representative office in China.
Article 14
Except the principal responsible person, other major staff members shall be entitled “Representative” or “Deputy Representative”.
Article 15
Employees of representative office shall abide by Chinese laws and regulations, with high integrity and clean record.
Article 16
A general representative shall have a work experience above 8 years and hold a junior college degree or a higher academic degree; a chief representative shall have a work experience above 5 years, and hold a junior college degree or a higher academic degree.
Without a junior college degree, the general representative or chief representative shall have a work experience above 10 years in the insurance business.
Article 17
A maximum of three employees of foreign nationality are allowed in each representative office.
Article 18
A representative office and its employees shall not enter into any agreement or contract with any legal or natural persons, which might generate an income to the representative office or the foreign insurance institution it represents, and shall not be involved in business activities of any kind.
Article 19
A representative office shall have official premises, necessary office facilities and full-time staff.
Article 20
The General Representative or Chief Representative shall not work in two or more representative offices or any business institution in China.
Article 21
The General Representative or Chief Representative shall attend to the daily activities of the representative office on a permanent basis. If he or she consecutively stays away from the representative office for a period or more than one month, he or she shall delegate his or her responsibility as the General Representative or Chief Representative to a person specially appointed, and submit a written report to the local branch office of CIRC.
Article 22
A representative office shall submit two copies of its annual work report of the previous year before the end of each February to the CIRC’s local branch office, who shall then forward the report to CIRC’s head office.
The work report shall follow the format prescribed by CIRC.
Article 23
A representative office shall submit the annual report of the foreign insurance institution it represents to both CIRC and CIRC’s local branch office within six months after the end of each accounting year of the foreign insurance institution.
Article 24
If any following major event occurs in an insurance institution that has maintained a representative office in China, the representative office shall, within 10 days after the occurrence of the event, submit a written report to CIRC and copy the report to CIRC’s local branch office.
(1) A change in its articles of association, register capital, and registered business address;
(2) Division or merger or change of top management;
(3) Serious losses resulted in business operation;
(4) Penalties imposed for violations of laws and regulations;
(5) Major regulatory actions taken against it by the regulatory authorities of its home country or territory;
(6) Other matters which may seriously disrupt business operation of the foreign insurance institution.
Article 25
In case of changing a General Representative or Chief Representative, the representative office shall apply to CIRC, and submit the following documents:
(1) A letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;
(2) Power of attorney of the proposed General Representative or chief representative signed by the Chairman of the Board of Directors or General Manager;
(3) Proof of personal identity certificates, certificate of academic degree and resume of the proposed General Representative or Chief Representative.
Article 26
If a foreign insurance institution intends to terminate its representative office’s operation, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.
Article 27
If a foreign insurance institution intends to change the name of its representative office, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution, together with other relevant proving documents about the renaming.
Article 28
Under the situation stipulated in Article 25, Article 26, and Article 27, CIRC shall make a decision on whether to approve or disapprove of the application within 20 days from the date of receiving a complete set of application documents.
If a decision of approval is made, it shall issue an approval document; if a decision of disapproval is made, it shall notify the applicant in writing and give the reasons.
Article 29
A representative office can change its office location within the same administrative area it resides only.
The concerned representative office shall submit CIRC’s local branch office of its new office address, telephone and fax numbers within 5 days from the date of changing.
Article 30
In case of changing, increasing or reducing the number of Representatives, Deputy Representatives, or foreign employees, the concerned representative office shall report to CIRC’s local branch office within 5 days from the date of changing, and submit the proof of personal identity certificates, certificate of academic degree and resume of the nominated personnel.
Article 31
When a representative office is approved to be changed to a general representative office, the original representative office is cancelled automatically. The general representative office shall apply to the State Administration of the Industry and Commerce for cancellation of the registration of the representative office within one month from the date of CIRC’s approval within one month from the date of CIRC’s approval.
Article 32
If a general representative office is the only representative office in China after the insurance institution it represents withdraws all other representative offices, the general representative office shall be changed into a representative office.
The general representative office shall apply to CIRC by submitting an application letter regarding such change signed by the Chairman of the Board of Directors or General Manager of the concerned foreign insurance institution. Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve. If CIRC decides to accept the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.
When a general representative office is approved to be changed to a representative office, the original general representative office is cancelled automatically. The representative office shall apply to the State Administration of the Industry and Commerce for cancellation of its registration within one month from the date of CIRC’s approval.
Article 33
After a representative office of the foreign insurance institution is terminated by the CIRC, all the issues left unsettled shall be taken over and handled by its general representative office in China; if there is no such a general representative office, responsibilities on all issues left unsettled shall be taken over and handled by the foreign insurance institution’s other representative offices in China; if there is no any other representative office in China, responsibilities on all issues left unsettled shall be borne by the foreign insurance institution itself.
Article 34
CIRC and its local branch offices conduct general supervision and annual inspection over the representative offices of foreign institutions in regard to the following issues:
(1) The completeness of the procedures for the changes made by the representative office;
(2) The truthfulness of the documents and materials submitted to CIRC;
(3) The completeness of the procedures for the appointments or changes of staff members of representative offices;
(4) Whether or not representative offices are conducting business activities;
(5) Other items required by CIRC and its local branch offices.
Chapter Ⅳ Legal Liability
Article 35
Any representative office established without approval, in violation of certain provisions of these Rules, shall be banned by CIRC in accordance with law.
Article 36
If a representative office is engaged in financial business activities in violation of these Rules, it shall be punished by CIRC in line with relevant laws and regulations. If a representative office is engaged in profit-seeking operational activities other than insurance business, it shall be imposed a disciplinary warning or a fine below RMB 300,000 yuan.
Article 37
If a representative office fails to submit relevant reports or documents as stipulated in Article 22, 23, 24 of these Rules to CIRC, it shall be imposed a warning and ordered to make correction by CIRC’s local branch office.
Article 38
Employees of a representative office being with direct responsibility for activities violating these Rules shall be imposed by CIRC with a disciplinary warning and /or a fine below RMB 5000 yuan, according to the seriousness of the cases.
Article 39
CIRC may issue a disciplinary warning to a representative office involved in providing false information or concealing important facts.
Article 40
CIRC may order the representative offices, found in violation of other provisions stipulated in these Rules, to make corrections; those who do not make corrections within a prescribed time period shall be issued a disciplinary warning.
Chapter Ⅴ Supplementary Provisions
Article 41
These Rules shall, mutatis mutandis, apply to the representative offices established in the mainland by insurance institutions from the Hong Kong Special Administrative Region, the Macao Special Administrative Region, and Taiwan region.
Article 42
These Rules shall, mutatis mutandis, apply to the resident offices of foreign insurance institutions approved to establish in China by CIRC.
Article 43
The terms “above”, “below” and “within” used to indicate a threshold number shall include the number itself.
Article 44
The approval and reporting periods prescribed in these Rules concerning licensing and reporting periods refer to working days, which exclude weekends and public holidays.
Article 45
CIRC shall be responsible for the interpretation of these Rules.
Article 46
These Rules shall be effective as of March 1, 2004, and the Rules on Administration of Representative Offices of Foreign Insurance Institutions, issued by CIRC on November 26, 1999 shall be repealed simultaneously.
