Notice of the China Insurance Regulatory Commission on ...

再保险业务IT系统应具有权限管理功能，明确将经办和复核、核保和再保岗位分开， ... 赔款摊回适用“共命运”原则，即在分出公司根据保险条款尽职厘定损失的前提下，分出 ... May31,2010 --------------------- Monday >>>Welcomevisitor,you'renotloggedin. Login   SubscribeNow! Home UserManagement AboutUs Chinese  lawinfochina.com >Laws&Regulations>Text   Bookmark   Download   Print Search:  "Fabao"Window FontSize:   NoticeoftheChinaInsuranceRegulatoryCommissiononIssuingtheManagementRulesforReinsuranceofPropertyInsuranceCompanies [Effective] 中国保险监督管理委员会关于印发《财产保险公司再保险管理规范》的通知 [现行有效] 【法宝引证码】 Issuingauthority： InstrumentalitiesoftheStateCouncil,AllCommissions,ChinaInsuranceRegulatoryCommission DocumentNumber： No.7[2012]oftheChinaInsuranceRegulatoryCommission Dateissued： 01-12-2012 Effectivedate: 07-01-2012 LevelofAuthority: DepartmentalRegulatoryDocuments AreaofLaw:Insurance,Insurance,Insurance       　 NoticeoftheChinaInsuranceRegulatoryCommissiononIssuingtheManagementRulesforReinsuranceofPropertyInsuranceCompanies(No.7[2012]oftheChinaInsuranceRegulatoryCommission)Allpropertyinsurancecompanies:Toregulatethepropertyreinsurancemarket,enhancethereinsurancemanagementcapabilitiesofpropertyinsurancecompanies,andrealizethehealthy,coordinatedandsustainabledevelopmentofthepropertyreinsurancesector,thisCommissionhasadoptedtheManagementRulesforReinsuranceofPropertyInsuranceCompanies,whichareherebyissuedforyourcomplianceandimplementation.Annex:ManagementRulesforReinsuranceofPropertyInsuranceCompaniesChinaInsuranceRegulatoryCommissionJanuary12,2012ManagementRulesforReinsuranceofPropertyInsuranceCompanies 中国保险监督管理委员会关于印发《财产保险公司再保险管理规范》的通知（保监发〔2012〕7号）各财产保险公司：为规范财产再保险市场，促进财产保险公司提高再保险业务管理水平，实现财产再保险业的健康协调可持续发展，我会制定了《财产保险公司再保险管理规范》。

现印发给你们，请遵照执行。

附件：财产保险公司再保险管理规范中国保险监督管理委员会二○一二年一月十二日财产保险公司再保险管理规范 ChapterIGeneralProvisions 第一章　总　则 1.Toregulatethepropertyreinsurancemarket,enhancethereinsurancemanagementcapabilitiesofpropertyinsurancecompanies,strengthenriskmanagementandinternalcontrols,andrealizethehealthy,coordinatedandsustainabledevelopmentofthepropertyreinsurancesector,theseRulesareformulatedinaccordancewiththeInsuranceLawofthePeople'sRepublicofChina,theProvisionsontheAdministrationofReinsuranceBusiness(OrderNo.8[2010]oftheChinaInsuranceRegulatoryCommission),andotherrelevantlawsandadministrativeregulations. 　　一、为规范财产再保险市场，促进财产保险公司提高再保险业务管理水平，加强风险管理和内部控制，实现财产再保险业的健康协调可持续发展，依据《中华人民共和国保险法》、《再保险业务管理规定》（中国保险监督管理委员会令2010年第8号）以及有关法律、行政法规，制定本规范。

2.TheseRulesshallapplytopropertyinsurancecompaniesestablishedwiththeapprovaloftheChinaInsuranceRegulatoryCommission(hereinafterreferredtoasthe“CIRC”)andlegallyregistered.ProvisionsoftheseRulesthatexpresslyapplytobothpartiestoreinsurancetransactionsandreinsurancebrokersshallalsoapplytoreinsurancecompaniesandreinsurancebrokers. 　　二、本规范适用主体为经中国保险监督管理委员会（以下简称“中国保监会”）批准设立，并依法登记注册的财产保险公司。

对于本规范有明确规定适用再保险交易双方和再保险经纪人的内容，也适用于再保险公司和再保险经纪人。

3.Themeaningof“directinsurance,”“reinsurance,”“treatyreinsurance,”“facultativereinsurance,”“proportionalreinsurance,”“non-proportionalreinsurance,”“reinsured,”“reinsurer,”“outwardbusiness,”“inwardbusiness,”“reinsurancebroker,”andothertermsintheseRulesshallbeconsistentwiththerelevantprovisionsoftheInsuranceLawofthePeople'sRepublicofChinaandtheProvisionsontheAdministrationofReinsuranceBusiness. 　　三、本规范所称直接保险、再保险、合约分保、临时分保、比例再保险、非比例再保险、再保险分出人、再保险接受人、分出业务、分入业务、再保险经纪人等概念与《中华人民共和国保险法》及《再保险业务管理规定》的有关规定相一致。

ChapterIIReinsuranceStrategyManagement 第二章　再保险战略管理 1.Reinsuranceisanimportantmeansforapropertyinsurancecompanytomanageandcontrolrisksandanimportantpartofthecompany'sbusinessstrategies,andplaysanirreplaceableroleintermsoftransferringrisks,stabilizingbusinessoperations,improvingtechnologiesandenhancingunderwritingabilities.Propertyinsurancecompaniesshalldeterminetheroleofreinsuranceintheirbusinessoperationsfromtheangleofcompanydevelopmentstrategies,accuratelyusereinsuranceintheirriskmanagement,capitalfinancing,andtechnologyconduction,andengageinreinsuranceundertheprincipleof“utmostgoodfaith,”soastoreasonablydisperserisks,optimizebusinessstructures,andrealizetheirsteadyoperationandsustainabledevelopment. 　　一、再保险是财产保险公司风险管控的重要手段，是公司经营战略中的重要组成部分，在转移风险、稳定经营、提升技术和扩大承保能力等方面发挥着不可替代的作用。

财产保险公司应从公司发展战略层面确定再保险在公司经营中的地位，正确发挥再保险在风险管理、资本融通和技术传导方面的作用，本着“最大诚信原则”开展再保险业务，合理分散风险，优化业务结构，实现公司的稳健经营和可持续发展。

2.Apropertyinsurancecompanyshall,inlightofitsbusinessdevelopmentplanandrequirementsforriskmanagementandcontrol,scientificallyandrationallydeterminetheoverallobjectivesofreinsurancemanagement,includingdetermininganoverallframeworkofreinsurancearrangementsandpreparingthecompany'sreinsuranceplan. 　　二、财产保险公司应根据自身业务发展规划和风险管控的需要，科学合理地设定再保险管理的总体目标，包括确定再保险安排的总体架构和制定公司再保险计划。

3.Apropertyinsurancecompanyshallgenerallysetupanindependentreinsurancemanagementdepartment,followtheoperatingpatternandmanagementmodeofthereinsurancebusiness,andensurethatthedepartmenteffectivelyplaysitsroleinriskmanagementandcontrol. 　　三、财产保险公司原则上应设立独立的再保险业务管理部门，遵循再保险业务的运行规律和管理模式，确保其风险管控作用的有效发挥。

4.Apropertyinsurancecompanyshalldeterminethemajorstepsofreinsurancearrangement,managementandcontrol,reasonablydivideworkonitsinternalreinsurancemanagement,haveclearreinsurancemanagementproceduresandpowers,anddefinedutiesandresponsibilitiesofeachpost. 　　四、财产保险公司应确定再保险安排和再保险管控的重点环节，合理安排公司内部再保险管理的分工，明确设定再保险管理流程和权限，定岗定责。

5.Theunderlyingretentionofapropertyinsurancecompanyinthecurrentyearshallnotexceedfourtimesthesumofitsactualcapitalandprovidentfunds.Theliabilityundertakenbyapropertyinsurancecompanyforeachriskunit,thatis,themaximumextentoflosscausedbyasingleinsuranceincident,shallnotexceed10percentofthesumofitsactualcapitalandprovidentfunds;andanyexcessshallbereinsured. 　　五、财产保险公司当年自留保费，不得超过其实有资本金加公积金总和的四倍。

财产保险公司对每一危险单位，即对一次保险事故可能造成的最大损失范围所承担的责任，不得超过其实有资本金加公积金总和的百分之十；超过的部分，应当办理再保险。

6.Apropertyinsurancecompanyshall,basedonacomprehensiveconsiderationofitswillingnesstoundertakeheavylosses,financialstrength,andbalanceofbusinessportfolios,determinetheunderlyingretentionforeachriskunitofeachproductionlineandtheaggregatelimitofliabilityforeachcatastropheaccident. 　　六、财产保险公司应在综合考虑重大损失承受意愿、财务实力、业务组合平衡性的基础上，确定各产品线的每一危险单位自留额和针对巨灾事故的每次事故责任累积限额。

7.Apropertyinsurancecompanyshallaccentuateandreinforcemanagementofaggregateliabilityforrisksandcatastropherisks,establishidentificationmanagementprinciplesandmethodsfortheaggregateliabilityforrisksandcatastropherisks,payparticularattentiontosuchfactorsasregion,industryandinsurancetype,andhaveadequateandeffectivemanagementrules. 　　七、财产保险公司应重视并加强风险累积责任与巨灾风险的管理，建立风险累积责任和巨灾风险的识别管理原则和方法，重点考虑地区、行业、险种等因素，制定完备的管理制度。

8.Apropertyinsurancecompanyshall,accordingtotherequirementsoftheCIRC,determinetheprinciplesforselectingareinsurer,includingtheprincipleforcreditexaminationandprincipleforappraisingcreditriskdispersion.Inparticular,thecompanyshallstrengthentheanalysisandresearchonriskpointsexistingincross-borderreinsurancetransactions,andtakeeffectivemeasurestopreventthecross-bordertransferoffinancialrisksthroughreinsurance.Apropertyinsurancecompanyshall,whenconductingreinsurancetransactionswithaffiliatedenterprises,determinethereinsurancepriceandconditionsunderthemarketprinciple,andshallnottransferprofitsorevadetaxbyreinsurance. 　　八、财产保险公司应按照中国保监会的要求，建立再保险接受人的选择原则，包括对资信的审核以及资信风险分散度的评估原则。

特别应加强对跨境再保险交易中存在的风险点进行分析和研究，采取有效措施，防止金融风险通过再保险业务进行跨境传递。

财产保险公司在与关联企业进行再保险交易时，应遵循市场化原则确定再保险价格与条件，不得利用再保险转移利润，逃避税收。

9.Apropertyinsurancecompanyshallestablishmechanismsfortheinternalreportornotificationandexternaldisclosureofreinsuranceinformation.Apropertyinsurancecompanyshallestablishamechanismforthetimelyreportingofmajorinsuranceclaims. 　　九、财产保险公司应建立再保险信息的内部报告或通报以及外部披露机制。

财产保险公司应建立重大保险赔案及时报送机制。

10.ApropertyinsurancecompanyshallstrengthenitsdevelopmentofITsystems,maintainanindependentITsystemforreinsurance,andintegratereinsuranceregulatorypoliciesandcorporatemanagementrequirementsintotheintrinsicconfigurationsofitsITsystemtoeliminatehumanintervention.TheseamlessconnectionbetweenitsreinsuranceITsystemandbusinessandfinancialITsystemsshallberealized. 　　十、财产保险公司应加强IT系统建设，保持再保险业务IT系统的独立性，将再保险监管政策和公司管理要求内化到IT系统设置，杜绝人为干预。

再保险IT系统应与业务和财务的IT系统实现无缝对接。

ChapterIIIReinsuranceOperationManagement 第三章　再保险运营管理 Section1BasicMattersofOperationManagement 第一节　运营管理中的基本事项 1.StaffingApropertyinsurancecompanyshallassignfull-timemanagersandbusinesspersonneltomanageitsreinsurancebusiness. 　　一、人员设置财产保险公司应配备专职管理人员和业务人员管理再保险业务。

2.SecuritymechanismApropertyinsurancecompanyshallestablishabusinesssecuritymechanismcoveringtheprinciplesforselectingareinsurer,reinsurancequotamanagement,andemergencyresponseplans.Apropertyinsurancecompanyshallselectqualifiedreinsurersonthebasisofsatisfactionofregulatoryrequirementsandprudentlyselectareinsurerbyconsideringthereinsurer'screditrating,solvency,capitalfunds,andhistoricalcontractualfulfillment,aswellasthepoliticalandlegalrisksofthecountryorregionwherethereinsurerislocated.Atthesametime,thepropertyinsurancecompanyshallconductquotamanagementofthesharesreceivedbyareinsurer,controltheconcentrationratioofreinsurancecreditrisks,andenhancethesecurityofthereinsurancebusiness.Thepropertyinsurancecompanymay,onthebasisofcompliancewithregulatoryprovisions,applytheprincipleofdifferentiationtothequotamanagementofdifferenttypesofbusiness.Apropertyinsurancecompanyshallprepareemergencyresponseplansforreinsurers'creditriskstocopewithriskguaranteegapsforemergenciessuchasareinsurer'screditproblemsorthesuddendeteriorationofareinsurer'ssolvencyandguaranteethesecurityofthereinsurancebusinesstothelargestextent.Atreatyterminationorsuspensionclausemaybeincludedintreatyreinsurancetoexpresslyprovideformattersondealingwiththetreatyreinsuranceliabilitywhenthereinsurersuffersfromcreditrisks. 　　二、安全机制财产保险公司应建立包括再保险接受人选择原则、分保额度管理和应急预案在内的业务安全机制。

财产保险公司应在满足监管要求的基础上选择合格的再保险接受人，并从再保险接受人的信用评级、偿付能力、资本金、历史履约情况以及再保险接受人所在国家或地区的政治、法律风险等方面，审慎选择再保险接受人。

同时，财产保险公司还应对再保险人接受份额进行额度管理，控制再保险信用风险集中度，提高再保险业务安全性。

在符合监管规定的基础上，财产保险公司可采用差异化原则对不同类型业务进行额度管理。

财产保险公司应建立再保险接受人信用风险突发应急预案，以应对再保险接受人资信出现问题或偿付能力突然恶化等紧急情况下的风险保障缺口问题，最大限度保证再保险业务的安全。

在合约分保中，可引入合约终止/中止条款，对再保险接受人出现信用风险时合约再保险责任的处置事项做出明确的规定。

3.DailymanagementApropertyinsurancecompanyshallhaverulesforthedailymanagementofthereinsurancebusinesstoensurethatdailyaffairsarecarriedoutinanorderly,efficientandtimelymanner.Thedailyaffairsofthereinsurancebusinessmainlyincludethepreparation,issuanceandcountersignatureconfirmationofofficialcontracttexts,endorsementsoradditionalagreements;thepreparation,issuanceandcountersignatureconfirmationofreinsurancebills;reinsurancebalancesettlement;themanagementofaccountspayableandreceivable;claimmanagement;statementsubmission;businessstatisticalanalysis;andfilemanagement. 　　三、日常事务管理财产保险公司应建立再保险业务日常事务管理制度，确保日常事务的有序、有效和及时开展。

再保险业务日常事务主要包括正式合同文本、批单或附约的编制、签发和签回确认；分保账单的编制、签发和签回确认；分保余额结算；应收应付款管理；赔案管理；报表报送；业务统计分析；档案管理等。

4.ITsystemdevelopmentandimprovementTheITsystemisanimportantguaranteeforreinsuranceoperations.ApropertyinsurancecompanyshalldevelopareinsuranceITsystemsuitableforthecompany'sbusinesscharacteristics,includingthetreatyandfacultativereinsurancesystemandtheoutwardandinwardbusinesssystem,andimprovesuchsystemsfromtimetotimeaccordingtothesystem'sactualoperation.ThereinsuranceITsystemshallrealizethereal-timemanagementofthecompany'sunderlyingretention,integratethemaximumunderlyingretentionsfordifferenttypesofinsuranceintotheunderwritingsystemandupdatethesystemintime.Theunderwritingsystemshallbeabletoautomaticallytransfersubjectmattersinexcessoftheunderlyingretentiontothereinsurancesystem.Underwritingandinsurancepolicyissuancemaybecompletedonlyafterconfirmationofreinsurancearrangements.ThereinsuranceITsystemshallhavedataanalysisandmanagementfunctions,automaticallygeneratingperiodicaldatareportsandreportingdatatotheregulatoryauthorityandrealizingtheanalysisandmanagementofhistoricaldata.Aninsurancecompanyshallconductthepre-estimateandpost-appraisalofthecompany'sreinsurancearrangementsandreinsurancetreatiesthroughITsystemfunctions,generatingregularreinsurancearrangementappraisalreportsforguidanceofthenextyear'sreinsurancearrangements.ThereinsuranceITsystemshallhaveauthoritymanagementfunctions,expresslyseparatingthepostsofhandling,rechecking,underwriting,andreinsuranceandguaranteeingthatreinsurancefunctionsandoperatingauthorityarereflectedintheITsystem.ThereinsuranceITsystemshallbeabletoreflectchangesintheunderwriting,claimsettlement,endorsement,andotherlinksinthereinsurancesysteminatimelymannerandhavethefunctionsofrecordingdatamodificationtracestocomprehensivelyrecordandtrackdetermineddatamodifications. 　　四、IT系统的开发与完善IT系统是开展再保险业务的重要保障，财产保险公司应开发适合自身业务特点的再保险业务IT系统，包括合约和临时分保系统、分出和分入系统等，并根据实际运行情况进行动态完善。

再保险业务IT系统应实现对公司自留额的实时管理，应将不同险种的最大自留额嵌入到核保系统中并及时维护更新。

对超过自留额的标的，核保系统应能够自动转到再保险系统。

分保安排确认后，方可完成核保出单。

再保险业务IT系统应具有数据的分析管理功能，自动形成周期性的数据报表和上报监管机关数据，实现对历史数据的分析管理。

保险公司应利用IT系统功能对公司再保险安排情况和再保险合约进行事前测算和事后评估，定期形成再保险安排评估报告，指导下一年的再保险安排。

再保险业务IT系统应具有权限管理功能，明确将经办和复核、核保和再保岗位分开，确保再保险职能和操作权限在IT系统中体现。

再保险业务IT系统应能够将核保、理赔、批改等环节的变化及时反映在再保险系统中，应具有数据修订痕迹记录功能，对已确定数据的修改进行全面记录跟踪。

5.ManagementofaccountsreceivableApropertyinsurancecompanyshallestablishanaccountsreceivablemanagementmechanismtostrengthenthemanagementofaccountsreceivable,checkoutaccountsreceivableinthereinsurancebusinesswithareinsurerandreinsuredonaregularbasis,strictlycontrolthescaleandtermofaccountsreceivable,andavoidbaddebtlossesfromaccountsreceivable,whichmayleadtoincreasesinthecompany'scapitalcostsandmanagementcostsorevendecliningsolvencyofthecompany.Apropertyinsurancecompanyshallestablishastandardandefficientpaymentcollectionsystemtosolvelongstandingaccountsreceivable. 　　五、应收账款管理财产保险公司应建立应收账款管理机制加强对应收账款的管理，定期与再保险接受人和分出人核实再保险业务的应收款项，严控应收账款的规模和期限，避免应收账款形成坏账损失，导致公司资金成本和管理成本的增加，甚至引起公司偿付能力的下降。

财产保险公司应建立规范、有效的催收制度解决长期应收账款问题。

6.ClaimmanagementBothpartiestoreinsuranceshallconductclaimmanagementinstrictaccordancewiththeagreedreinsuranceconditions,andnopartyshallforanyreasonrefuseordelaythefulfillmentofresponsibilitiessuchasissuinglossadvice,providingclaimmaterialsandrefundingindemnity.Theprincipleof“followingthefortunes”shallapplytoindemnityrefund,whichmeansthataclaimsettlementdecisionmadebythecedingcompanyshallautomaticallyapplytothereinsurerunderthepremisethatthecedingcompanydeterminesalosswithduediligenceaccordingtoinsuranceclauses.Thereinsurer'scompensationliabilityshallbelimitedtothescopeofinsuranceliabilityprescribedintheoriginalinsurancepolicyandthereinsurancecontract,excludingthebaddebt,bankruptcy,andotherfinancialrisksofthecedingcompanyaswellasexgratiacompensation(voluntarycompensationmadebythecedingcompanythoughawarethatithasnoactualcompensationliability)withouttheapprovalofthereinsurancecompany.Inproportionalreinsurance,thecedingcompanyshallcalculatetherefundedindemnityonreinsurancecededaccordingtothereinsuranceproportionconfirmedbybothpartiestoreinsurance,andshallnotre-adjustthereinsuranceplanincludingthereinsuranceproportionatthetimeofindemnityrefund,exceptforcorrectinganyreinsuranceerrororomission.Innon-proportionalreinsurance,ifanyaccidentorcatastrophelastsforaperiodexceedingthetimeprescribedinthetreatyforanaccidentorcatastrophe,thecedingcompanyshall,whencalculatingtheindemnityrefundamount,selecttheproperaccidentorcatastrophetimeslotaccordingtotreatyclauses,andtheinsurancelossesthatoccurredatatimeoutsidetheselectedtimeslotshallnotbeincludedinthereinsurancetreatyforrefund.Infacultativereinsurancebusiness,ifthereisanyspecialclauseinthecontract(suchastheclaimscontrolclauseorclaimscooperationclause),thecedingcompanyshall,despitethesizeoflossesinaclaim,immediatelynotifythereinsureroftheclaimaccordingtotheprovisionsofthereinsurancecontractafterlearningtheoccurrenceoftheclaim,notifythereinsureroftheclaimsettlementprocessinatimelymanner,providetherelevantclaimmaterials,andcooperatewiththereinsurerincarryingouton-siteinvestigationsaccordingtotheprovisionsofthereinsurancecontract.Thecedingcompanyshallactivelycommunicateandreachaconsensuswiththereinsurerontheclaimsettlementplanintheclaimsettlementprocess,andavoiddifficultiesinindemnityrefundafterthecloseofacaseascausedbytheinconsistentclaimsettlementopinionsofbothpartiestoreinsurance.Foraninsuranceaccidentwiththepossibilitytorecovercompensation,thecedingcompanyshallactivelyrecovercompensationfromtheliablepartyandnotifythereinsureroftherecoveryprogressinatimelymanner.Thecedingcompanyshall,afterasuccessfulrecovery,refundtherecoveredcompensationwhichbelongstothereinsurertothereinsurerinatimelymanner. 　　六、赔案管理再保险双方应严格按照分保条件约定进行赔案管理，任何一方均不能以任何理由拒绝履行或拖延履行发送出险通知、提供赔案资料和摊回赔款等责任。

赔款摊回适用“共命运”原则，即在分出公司根据保险条款尽职厘定损失的前提下，分出公司的理赔决定自动适用于再保险接受人。

再保险接受人的赔偿责任限于原保单以及再保险合同约定的保险责任范围，分出公司自身的坏账、倒闭等财务风险，以及未经再保险公司同意的通融赔付（分出公司明知无实际赔偿责任的自愿赔付）等除外。

在比例再保险中，分出公司应严格按照再保险双方确认的分保比例计算再保险摊回赔款金额，除为纠正分保时的错误和遗漏外，不应在摊回赔款时再次调整包括分保比例在内的分保方案；在非比例再保险中，若事故或巨灾持续时间超过合约中对一次事故或巨灾的约定时间，分出公司在计算摊回赔款金额时，应根据合约条款选择合适的事故或巨灾时间段，对选定时间段外发生的保险损失，不应进入再保险合约进行摊回。

在临时分保业务中，如果合同中有特别约定（例如，理赔控制条款（ClaimsControlClause）、理赔合作条款（ClaimsCooperationClause）等），则无论赔案损失大小，分出公司均应在知道赔案发生后根据再保险合同的约定立即通知再保险接受人，及时告知理赔工作进展情况、提供赔案相关资料，并按照再保险合同的约定配合再保险接受人开展现场查勘等工作。

分出公司应在理赔进程中就理赔方案与再保险接受人进行积极沟通并达成一致，避免再保险双方因理赔意见不一致导致结案后赔款摊回困难。

对存在追偿可能性的保险事故，分出公司应积极向责任方进行追偿，及时把追偿情况告知再保险接受人。

追偿成功后，分出公司应把属于再保险接受人的追偿款及时返还再保险接受人。

7.FilemanagementApropertyinsurancecompanyshallhavefilemanagementrulesconformingtotheprinciplesofcomprehensivenessandstandardizationtorecordandmanagecontracttexts,bills,claiminformation,faxes,mail,andothermaterials.Comprehensivenessmeansthatallbusiness-relatedmaterialsarepreserved,clearandcompleterecordsofthematerialsinvolvedinallbusinesslinksarepreserved,andmaterialsarekeptinpaperorelectronicformasmuchaspossible.E-mailsandelectronicdocumentsaresubjecttocentralizedmanagementandsafelypreservedwithbackup.Standardizationmeansthatfilemanagementrulesarescientificandreasonable,thefilingprocessisstandardized,andfilescanbeconsultedinarapidmanner. 　　七、档案管理财产保险公司应按照全面性和规范性原则建立档案管理制度，对合约文本、账单、赔案资料、往来传真、邮件等资料进行记录和管理。

全面性是指应保存与业务相关的全部资料，业务各环节中涉及的资料均应保留清晰完整的记录，资料尽量以纸质或电子文档形式保存。

电子邮件往来、电子介质文件应实行集中管理，安全保存，并有备份。

规范性是指档案管理制度应科学合理，做到归档规范、查询快捷。

8.DatamanagementApropertyinsurancecompanyshallaccentuateandstrengthenthedatamanagementofthereinsurancebusiness,especiallydataoninsurancepremiums,settledclaims,outstandingclaims,catastrophelosses,alterations,orchanges.Datamanagementshallfollowtheprinciplesof“accuracy,authenticityandcompleteness.”Accordingtotheprincipleof“accuracy,”apropertyinsurancecompanyshallestablishamulti-levelrechecksystemandthecorrespondingliabilitysystemtoensuretheaccuracyofanyandalldata.Accordingtotheprincipleof“authenticity,”apropertyinsurancecompanyshallensuretheauthenticityandvalidityofreinsurancedata,andshallnottamperwithanyreinsurancebusinessorfinancialdata.Accordingtotheprincipleof“completeness,”apropertyinsurancecompanyshallkeepdetailedrecordsoftheoriginalinformationformedfromanydata.Fordatacalculatedthroughacomplicatedprocessorformula,thecomputationprocessorformulashallalsoberecorded.Apropertyinsurancecompanyshallaccentuateandstrengthentheextractionandanalysisofreinsurancebusinessdataandmanageandmakeimprovementontheexistingbusinessproblemsbyusingtheanalysisresults.Apropertyinsurancecompanyshall,asrequired,submitrelevantbusinessdatatotheregulatoryauthorityinatimelymanner;andaccordingtotheprovisionsofthereinsurancetreaty,providethereinsurerwithcomplete,authentic,andeffectivebusinessandfinancialdataorbusinessandfinancialstatements. 　　八、数据管理财产保险公司应重视和加强再保险业务的数据管理，特别是保费、已决赔款、未决赔款、巨灾损失、修改或变动等数据。

数据管理遵循“准确性、真实性和完整性”的原则。

按照“准确性”原则，财产保险公司应建立多级复核制度和对应的责任制度，保证每一数据的准确性；按照“真实性”原则，财产保险公司应确保再保险数据的真实有效，不能擅自篡改再保险的业务和财务数据；按照“完整性”原则，财产保险公司应对每一个数据形成的原始信息进行详细记录。

对于具有复杂计算过程或公式的数据，对计算过程或公式也应记录。

财产保险公司应重视和加强再保险业务数据的挖掘和分析工作，利用分析结果对业务中存在问题进行管理优化。

财产保险公司应按照有关规定及时向监管机关报送有关业务的数据；按照再保险合同的约定，向再保险接受人提供完整、真实、有效的业务和财务数据或业务和财务报表。

9.InternalinformationcommunicationmechanismApropertyinsurancecompanyshallestablishasmoothandefficientinternalinformationcommunicationmechanism.Theunderwritingdepartmentshall,accordingtothetreatyorasneededforfacultativereinsurancearrangementsoroperation,providethereinsurancedepartmentwiththeriskinformationontheoriginalinsuranceanditsreinsurancedemand;andthereinsurancedepartmentshall,afteranalyzingtheinformation,makeproperandfeasiblereinsuranceplanstoensurethesmoothtransferofrisks. 　　九、内部信息沟通机制财产保险公司应建立顺畅高效的内部信息沟通机制。

承保部门根据合约或临时分保安排或运行的需要，向再保险部门提供原保险的风险信息及分保需求；再保险部门进行信息分析后，制订恰当可行的再保险方案，确保风险的顺利转移。

10.ConfidentialityBothpartiestoreinsuranceandreinsurancebrokersshallkeepconfidentialthenon-publicinformationobtainedfrombusiness,andshallnotdisclosesuchinformationtoanyotherpartywithouttheapprovaloftheoppositeparty. 　　十、保密再保险双方及再保险经纪人对业务中获取的非公共信息负有保密义务，未经对方允许，不得向其它方披露。

11.ActuarialapplicationApropertyinsurancecompanyshallunderscoretheimportantroleofactuariesinthemanagementandcontrolofreinsurancerisks,specifyactuarialfunctions,provideactuarieswithnecessaryreinsuranceinformationandmaterials,andallowactuarialtechnologiestofullyplayitsroleinreserveappraisal,productpricing,riskaccumulationmanagementandcontrol,majorinsurancerisktests,andappraisalofreinsuranceplans. 　　十一、精算应用财产保险公司应重视精算在再保险风险管控中的重要作用，明确精算职责，向精算人员提供必要的再保险相关信息及资料，充分发挥精算技术在准备金评估、产品定价、风险累积管控、重大保险风险测试和再保险方案评估中的作用。

Section2OperationManagementofTreatyReinsurance 第二节　合约分保业务的运营管理 1.FormulationofreinsurancetreatiesApropertyinsurancecompanyshallformulatereinsurancetreatiesonthebasisofanoverallconsiderationofitsbusinesscomposition,riskprofile,aggregateliability,capitalfunds,netassets,marketstrategies,andotherfactors.Apropertyinsurancecompanyshallattachgreatimportancetotheformulationofclausesofreinsurancetreatiesandconsultandreachanagreementwiththereinsureronmainclausesbeforethereinsurancetreatyofficiallycomesintoforce.Thepropertyinsurancecompanyshallenterthereinsurancetreatybusinessinformationintoitsbusinessandfinancialsystemsnolaterthantenworkingdaysafterconfirmationofthetreaty.Unlessthepropertyinsurancecompanyandthereinsurerhaveagreedinwritingonanextension,bothpartiesshallfinishsigningtheofficialreinsurancetreatywithinthreemonthsafterthereinsurancetreatyofficiallycomesintoforce.Thefinaltreatyconditionsshallbedeterminedbybothpartiestoreinsuranceuponconsultationsundertheprincipleoffreewill;however,thetreatyconditionsshallnotviolatethelaws,regulationsandregulatoryprovisionsofthecountriesorregionswherebothpartiestoreinsurancearelocated.Intheformulationofaproportionaltreaty,particularattentionshallbepaidtothereinsurancescope,treatytype,treatyterm,underwritingability,limitperaccident(bothpartiestoreinsuranceshalldecidewhethertoincludesuchaclauseaccordingtotheactualcircumstances),reinsurancecommissionfee,accountingclauses,exceptions,errorsandomissions,treatystatements,treatyamendmentandtermination,thehandlingofunearnedpremiumsandundueliability,scopeofterritory,jurisdictionofcourts,andarbitration.Intheformulationofanon-proportionaltreaty,particularattentionshallbepaidtothereinsurancescope,treatyterm,startingpointforcompensation,andthemaximumunderlyingretentiononthebasisoftheinsuredamountorliabilitylimit,themaximumlimitofprotectiveliability,thestratificationofliabilitylimit,premiumrate,liabilityrecoverytimes,treatytype(suchasriskexcess,accidentexcess,andexcessoflossratio),definitionforeachaccidentinexcessofcompensation,exceptions,scopeofterritory,jurisdictionofcourts,andarbitration. 　　一、再保险合约的组建财产保险公司应在综合考虑公司业务构成、风险状况、累积责任、资本金、净资产、市场战略等因素的基础上，组建再保险合约。

财产保险公司应高度重视再保险合约中合约条款的制定，应在再保险合约正式生效前与再保险接受人就主要合约条款进行协商并达成协议。

财产保险公司应将再保险合约业务信息录入公司业务和财务系统，录入时间不应迟于合约业务确认后的十个工作日。

除非财产保险公司与再保险接受人书面同意延期，双方应在再保险合约正式生效后的三个月内完成正式再保险合约的书面签署。

合约的最终条件应本着自愿原则由再保险双方洽商确定，但合约条件不得违背再保险双方所在国家或地区的法律法规和监管规定。

在比例合约的组建过程中，应重点考虑：分保范围、合约类型、合约期限、承保能力、事故限额（再保险双方根据实际情况决定是否引入该条款）、再保险手续费、账务条款、除外责任、错误与遗漏、合约报表、合约的修改与终止、未满期保费和未到期责任的处理、区域范围、司法管辖和仲裁等内容。

在非比例合约的组建过程中，应重点考虑：分保范围、合约期限、起赔点、以保额或责任限额为基础的最大自留额、最高保障责任限额、责任限额分层情况、费率、责任恢复次数、合约的类型（例如，险位超赔、事故超赔、赔付率超赔等）、事故超赔中每次事故的定义、除外责任、区域范围、司法管辖和仲裁等内容。

2.TreatyreinsurancearrangementsApropertyinsurancecompanyshallselectqualifiedreinsurerstoactivelymakereinsurancearrangementsafterdeterminingtheconditionsofitsownreinsurancetreaty.Whenmakingarrangementsontheproportionalreinsurancetreaty,thepropertyinsurancecompanyshalleffectivelyavoidthepassiveretentionoftreatyliabilitythatshallbeotherwisecededascausedbyincompletereinsurance.Incompletereinsurancemeansthatthesumofthereceivedsharesasconfirmedbythereinsurersislessthanthemaximumshareofthetreatythatshallbeceded.Inuncompletedreinsurance,theautomatictreatyunderwritingabilityofthepropertyinsurancecompanyshallbethemaximumtreatyunderwritingabilitymultipliedbythereinsurancecompletionproportion.Theunderwritingabilityforthepartthathasnotbeencededinthetreatyshallnotberegardedastheeffectivetreatyunderwritingabilityofthepropertyinsurancecompany. 　　二、合约分保安排财产保险公司在自身的再保险合约条件确定后，应选择合格的再保险接受人积极安排分保。

在安排比例再保险合约时，财产保险公司应有效避免分保不完全导致应分保合约责任被动自留情况的发生。

分保不完全指再保险接受人确认接受份额之和小于合约最大应分保份额。

分保不完全时，财产保险公司的合约自动承保能力应为合约最大承保能力乘以分保完成比例，合约中未分出部分的承保能力不应视为财产保险公司有效的合约承保能力。

3.BillandsettlementmanagementApropertyinsurancecompanyshall,accordingtotheprovisionsofthereinsurancetreaty,conductbillpreparation(includingordinarybills,premiumadjustmentbills,premiumreplacementbills,floatingcommissionadjustmentbills,andprofitcommissionbills),issuance,confirmationandfiling,andbalancesettlement.Theaccountingitemsinthebillsshallcomplywiththeprovisionsofaccountingandfinancialrules.Duringtheoperationprocess,bothpartiestoreinsuranceshall,accordingtotheprovisionsofthereinsurancetreaty,strictlyconductbalancesettlementinatimelyandaccuratemannerandavoidlongstandingaccountspayableandreceivablewithoutjustifiedreasons.．．．．．． 　　三、账单及结算管理财产保险公司应按照再保险合约的约定进行账单编制（包括日常账单、保费调整账单、重置保费账单、浮动手续费调整账单和纯益手续费账单等）、签发、确认归档、余额结算等，账单中的会计科目应符合会计和财务制度的规定。

操作过程中，再保险双方均应按照再保险合约的约定做到及时、准确，严格履行再保险合约对余额结算的相关规定，避免发生无正当理由的长账龄应收、应付款项。

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