中国农村小额人身保险监管规则the rule on supervising - cenfri.pdf

中国农村小额人身保险监管规则 The Rule on Supervising China Rural Micro Insurance on Life Personal Accident Insurance 一、定义与解释 1. Definitions and Explanation 农村小额人身保险是一类面向农村低收入人群提供的人身 保险产品的总称，具有保费低廉、保障适度、保单通俗、核保理 赔简单等特点，是小额金融的重要组成部分，也是一种有效的金 融扶贫手段。 Rural micro-life insurance is a general reference to the life insurance products which focus on the low income population in the rural area. The characteristic of this type of product includes: low premium, appropriate coverage, understandable policy and simple underwriting and claims procedure. It is an important part of micro-finance, and it is also an effective financial measure to alleviate poverty. 二、监管的基本原则 2. Basic Rule for Supervision 农村小额人身保险的监管坚持“鼓励创新、适度竞争、审慎 监管、适当保护、持续发展”的原则，探索适合低收入市场的经 1 营和监管模式。保险监管机关应坚持审慎监管，严把试点准入条 件，维护农村市场竞争秩序，给予试点公司必要的政策支持，确 保农村小额保险持续、健康发展。 The supervision on the rural micro-life insurance is emphasized on the principles of encouraging creativity, keeping moderate competition, prudence supervision, appropriate protection, and pursuing sustainable development. It also explores the most suitable model for operating and supervising the low income group insurance market. The insurance supervision institutions should uphold the prudence supervision, strictly enforce the rules with regards to the entry of experimental companies, keep the order of competition in rural market, provide necessary policy supports for the experimental companies, and ensure the sustainable and healthy development of the rural micro insurance. 三、市场准入 3. Entry Requirements 开展农村小额人身保险业务，必须经过中国保监会批准。申 请开展小额保险业务的保险公司应具备下述条件： It is necessary to get permissions from the Chinese Insur