保险公估机构监管规定(2025year revision)

法律修订2009年9月25日中国保险监督管理委员会令2009年第7号发布根据2013年9月29日中国保险监督管理委员会令2013年第10号《关于修改〈保险公估机构监管规定〉的决定》第一次修订根据2025年10月19日中国保险监督管理委员会令2025年第3号《关于修改<保险公司设立境外保险类机构管理办法>等八部规章的决定》第二次修订正文第一章总则第一条为了规范保险公估机构的经营行为，保护保险活动当事人的合法权益，维护市场秩序，促进保险业健康发展，根据《中华人民共和国保险法》（以下简称《保险法》）等法律、Administrative regulations，Make this provision。

第二条本规定所称保险公估机构是指接受委托，Specializing in insurance subject matter or insurance accident assessment、Inspection、identification、Loss estimation and other services，An organization that collects remuneration as agreed。在中华人民共和国境内设立保险公估机构，应当符合中国保险监督管理委员会（以下简称中国保监会）规定的资格条件，取得经营保险公估业务许可证（以下简称许可证）。

第三条保险公估机构应当遵守法律、Administrative regulations and relevant provisions of the China Insurance Regulatory Commission，follow independence、objective、fair、principle of justice。第四条保险公估机构依法从事保险公估业务受法律保护，任何单位和个人不得干涉。第五条保险公估机构在办理保险公估业务过程中因过错给保险公司或者被保险人造成损害的，应当依法承担赔偿责任。

第六条中国保监会根据国务院授权，对保险公估机构履行监管职责。中国保监会派出机构，在中国保监会授权范围内履行监管职责。第二章市场准入第七条保险公估机构应当采取下列组织形式：

1. limited liability company；
2. Co., Ltd.；
3. partnership。

第八条设立保险公估机构，The following conditions should be met：

1. shareholder、The sponsor or partner has a good reputation，No major illegal records in the past three years；
2. The company's articles of association or partnership agreement comply with relevant regulations；
3. Chairman、Executive directors and senior managers meet the prescribed conditions；
4. Have a sound organizational structure and management system；
5. Have a fixed residence commensurate with the size of the business；
6. Have business suitable for carrying out business、Financial and other computer software and hardware facilities；
7. law、Administrative regulations and other conditions stipulated by the China Insurance Regulatory Commission。

第九条保险公估机构的注册资本为在公司登记机关登记的全体股东认缴的出资额。第十条依据法律、Units or individuals that are prohibited from investing in enterprises according to administrative regulations，Not allowed to be the sponsor of an insurance adjusting agency、Shareholder or partner。

Insurance company employees invest in insurance adjustment agencies，The insurance company should be notified in writing；insurance company、Director of an insurance intermediary company、Senior managers investing in insurance adjustment agencies，应当根据《中华人民共和国公司法》（以下简称《公司法》）有关规定取得股东会或者股东大会的同意。

第十一条保险公估机构及其分支机构的名称中应当包含“保险公估”字样，And the font size must not be the same as that of the existing insurance adjuster.，Unless otherwise specified by the China Insurance Regulatory Commission。第十二条申请设立保险公估机构，All shareholders、All sponsors or partners shall designate a representative or jointly entrust an agent，Apply to the China Insurance Regulatory Commission。第十三条保险公估机构可以申请设立分公司、Sales Department。

An insurance adjustment agency applying to establish a branch shall meet the following conditions:：

1. Sound internal control system；
2. Existing institutions are functioning normally，And there is no major illegal behavior within 1 year before application；
3. The proposed principal person in charge meets the prescribed conditions；
4. The proposed branch shall have the following qualifications:

Require

business premises and other facilities related to the conduct of business。

第十四条中国保监会收到保险公估机构设立申请后，Can provide risk warnings to applicants，Conversation on application for establishment matters，ask、Understand the market development strategy of the proposed organization、business development plan、Internal control system construction、Personnel structure and other related matters。中国保监会可以根据实际需要组织现场验收。

第十五条中国保监会依法批准设立保险公估机构、保险公估分支机构的，应当向申请人颁发许可证。

第十六条保险公估机构有下列情形之一的，It shall be within 5 days from the date of making the decision to change the，Written report to China Insurance Regulatory Commission：

1. Change name or branch name；
2. Change of domicile or branch business location；
3. sponsor、Change of name of major shareholder or investor；
4. Change major shareholders or investors；
5. Major changes in equity structure or capital contribution ratio；
6. Change registered capital or capital contribution；
7. Modify the articles of association or partnership agreement；
8. separate、merge、Disband or change organizational form；
9. Cancel branch。

第十七条保险公估机构及其分支机构变更事项涉及许可证记载内容的，应当交回原许可证，领取新许可证，并按照《保险许可证管理办法》有关规定进行公告。第十八条保险公估机构许可证的有效期为3年，The insurance adjuster shall notify the insurance company 30 days before the expiration of the validity period.，Apply to the China Insurance Regulatory Commission for renewal。

The insurance adjustment agency applies to extend the validity period of its license，The China Insurance Regulatory Commission will conduct a comprehensive review and comprehensive evaluation of the operations of the insurance adjuster in the previous three years before the license expires.，and make a decision on whether to approve the renewal of the license validity period。Decided not to continue，The reasons should be stated in writing。The insurance adjustment agency shall return the original certificate to the China Insurance Regulatory Commission within 10 days from the date of receipt of the decision.；Approved to extend the validity period，New license should be obtained。

第十九条本规定所称保险公估机构高级管理人员是指下列人员：

1. General Manager of a corporate insurance adjuster、Deputy general manager or manager with the same authority；
2. Partners of a partnership insurance adjustment agency who perform partnership affairs or managers with the same authority；
3. The main person in charge of the insurance adjuster branch。

第二十条保险公估机构拟任董事长、Executive directors and senior managers should meet the following conditions：

1. College degree or above；
2. Engaged in economic work for more than 2 years；
3. Have the business and management capabilities required to perform duties，Familiar with insurance laws、Administrative regulations and relevant provisions of the China Insurance Regulatory Commission；
4. Honesty and trustworthiness，good conduct；
5. Other conditions specified by the China Insurance Regulatory Commission。

Engaged in finance or valuation work for more than 10 years，It is not subject to the restriction of item (1) of the preceding paragraph.。

第二十一条有《公司法》第一百四十六条规定的情形或者下列情形之一的，Not allowed to serve as chairman of the board of directors of an insurance adjustment agency、Executive Directors and Senior Management：

1. Acting as an insurance company whose license has been revoked due to violations of the law.、directors of insurance intermediaries、Supervisors or senior managers，并对被吊销许可证负有个人责任或者直接领导责任的自许可证被吊销之日起未逾3年；
2. Directors of financial institutions whose qualifications have been disqualified by financial regulatory authorities due to illegal or disciplinary violations、监事或者高级管理人员自被取消任职资格之日起未逾5年；
3. Those who are prohibited from entering the financial industry within a certain period of time as decided by the financial regulatory agency，The period has not expired；
4. Asset appraisal agencies whose professional qualifications have been revoked due to illegal or disciplinary violations、验证机构等机构的专业人员自被吊销执业资格之日起未逾5年；
5. Received a warning or fine from a financial regulatory agency for less than 2 years；
6. Undergoing judicial authority、Investigation by the disciplinary inspection and supervision department or financial regulatory agency；
7. Other situations specified by the China Insurance Regulatory Commission。

第二十二条未经股东会或者股东大会同意，Directors and senior managers of insurance adjustment and adjustment companies shall not hold concurrent positions in institutions with conflicts of interest.。Partners of an insurance adjustment agency may not engage in business on their own or in partnership with others to engage in business that competes with the agency.。第二十三条保险公估机构任免董事长、Executive Directors and Senior Management，should be made within 5 days from the date of decision，Written report to China Insurance Regulatory Commission。

The China Insurance Regulatory Commission can

Require

Insurance adjustment agency removes chairman who does not meet prescribed conditions、Executive Directors and Senior Management。第二十四条保险公估机构的董事长、Executive directors and senior managers prosecuted for alleged economic crimes，The insurance adjuster shall within 5 days from the date it is sued and within 5 days from the date the case is concluded.，Written report to China Insurance Regulatory Commission。

第二十五条保险公估机构在特殊情况下任命临时负责人的，should be made within 5 days from the date of the appointment decision，Written report to China Insurance Regulatory Commission。临时负责人任职时间最长不得超过3个月。第三章经营规则第二十六条保险公估机构及其分支机构应当将许可证置于住所或者营业场所显著位置。

第二十七条保险公估机构可以经营下列业务：

1. Inspection of the subject matter insured before and after underwriting、Valuation and Risk Assessment；
2. Investigation after the insurance subject is out of danger、test、Loss estimation and residual value processing of insurance subject matter in case of accident；
3. Risk management consulting；
4. Other businesses approved by the China Insurance Regulatory Commission。第二十八条保险公估机构及其分支机构可以在中华人民共和国境内从事保险公估活动。

第二十九条保险公估机构及其分支机构的从业人员应当符合中国保监会规定的条件。The term “insurance adjustment practitioners” as mentioned in these regulations refers to insurance adjustment agencies and their branches engaged in pre-underwriting inspection of insurance subjects.、Valuation and risk assessment staff，Or engage in investigation after the insurance subject is in danger、test、Personnel engaged in loss assessment and other business。

第三十条保险公估机构及其分支机构应当对本机构的从业人员进行保险法律和业务知识培训及职业道德教育。第三十一条保险公估机构及其分支机构应当建立专门账簿，Record the income and expenditure of insurance adjustment business。

Insurance adjustment agencies and their branches shall establish complete and standardized business files，Business files should include the following content：

1. The main situations involved in the insurance adjustment business，including the insurer、Policyholder、Names of the insured and beneficiary，subject of insurance、Accident type、Estimated loss amount, etc.；
2. Remuneration amount and collection status；
3. Other important business information。The records of the insurance adjuster should be complete、reality。

第三十二条保险公估机构及其从业人员享有下列权利：(1) According to the needs of executing business，

Require

The client and other relevant parties provide documents related to insurance assessment、Information and other necessary assistance；(2) Objective、Carry out insurance assessment activities impartially，When the party concerned fails to provide assistance or

Require

When issuing a false insurance adjustment report，Suspension of business execution or termination of contract performance；(3) Law、Administrative regulations and other rights stipulated by the China Insurance Regulatory Commission。

第三十三条保险公估机构及其从业人员应当履行下列义务：

1. obey the law、Administrative regulations and China Insurance Regulatory Commission regulations，Accept industry management，Maintain industry reputation；
2. adhere to assessment criteria、Professional ethics and related standards；
3. Relevant documents for use、prove、Check the authenticity of the information；
4. law、Administrative regulations and other obligations stipulated by the China Insurance Regulatory Commission。

第三十四条保险公估机构、An insurance adjustment branch and its employees have an interest in a party involved in insurance adjustment activities，Other parties should be informed。The parties involved in public assessment activities have the right to

Require

Avoid insurance adjustment agencies or insurance adjustment practitioners who have an interest in themselves or other evaluation parties.。第三十五条保险公估从业人员开展保险公估业务的行为，由所属保险公估机构承担责任。

第三十六条保险公估机构及其分支机构从事保险公估业务，应当与委托人签订书面委托合同，依法约定双方的权利义务及其他事项。委托合同不得违反法律、行政法规及中国保监会有关规定。第三十七条保险公估机构及其分支机构在开展业务过程中，应当制作规范的客户告知书，并在开展业务时向客户出示。

客户告知书应当至少包括保险公估机构及其分支机构的名称、business place、Contact information、业务范围等基本事项。保险公估机构及其董事、高级管理人员与公估业务相关的保险公司、保险中介机构存在关联关系的，应当在客户告知书中说明。

第三十八条保险公估机构、Insurance adjustment branches and their practitioners in the process of carrying out adjustment business，应当勤勉尽职，保险公估报告不得存在重大遗漏。保险公估报告中涉及赔款金额的，应当指明该赔款金额所依据的相应保险条款。第三十九条保险公估机构及其分支机构不得伪造、变造、rent、lend、转让许可证。

第四十条保险公估从业人员不得以个人名义招揽、从事保险公估业务或者同时在两个以上保险公估机构中执业。

第四十一条保险公估机构、Insurance adjustment branches and their practitioners in the process of carrying out adjustment business，The following shall not be used to deceive policyholders:、insured、Behavior of the beneficiary or insurance company：

1. 向保险合同当事人出具虚假或者不公正的保险公估报告；
2. Concealing or fabricating important information related to the insurance contract；
3. 冒用其他机构名义或者允许其他机构以本机构名义执业；
4. 从业人员冒用他人名义或者允许他人以本人名义执业，Or sign the insurance adjustment report on behalf of others；
5. 串通投保人、Insured or beneficiary，Fraudulent insurance money；
6. 通过编造未曾发生的保险事故或者故意夸大已经发生保险事故的损失程度等进行虚假理赔；
7. 其他欺骗投保人、insured、Behavior of the beneficiary or insurance company。

第四十二条保险公估机构、Insurance adjustment branches and their practitioners in the process of carrying out adjustment business，The following behaviors are not allowed：

1. 虚假广告、False propaganda；
2. 以捏造、spread false facts，Damage the business reputation of other insurance intermediaries by using administrative penalty results to slander or other methods，or disrupt the market order with other unfair competition behaviors；
3. 利用行政权力、shareholder

Advantages

Status or professional convenience and other unfair means to force、lure、Restricting policyholders from entering into insurance adjustment contracts、Accepting insurance adjustment results or restricting the legitimate business activities of other insurance intermediaries；

1. 给予或者承诺给予保险公司及其工作人员、Policyholder、Other interests other than those agreed in the contract of the insured or beneficiary；
2. 利用业务便利为其他机构或者个人牟取不正当利益；
3. 利用执行保险公估业务之便牟取其他非法利益；
4. 泄露在经营过程中知悉的投保人、insured、Business secrets and personal privacy of beneficiaries or insurance companies；
5. False invoices、Overstatement of assessment fees。

第四十三条保险公估机构及其分支机构不得与非法从事保险业务或者保险中介业务的机构或者个人发生保险公估业务往来。

第四章市场退出第四十四条保险公估机构有下列情形之一的，China Insurance Regulatory Commission will not renew the license validity period：

1. License expires，No application for extension；
2. 不再符合本规定除第八条第一项以外关于机构设立的条件；
3. 内部管理混乱，Unable to operate normally；
4. 存在重大违法行为，Not effectively rectified；
5. 未按规定缴纳监管费。

第四十五条保险公估机构因许可证有效期届满，中国保监会依法不予延续有效期，或者许可证依法被撤回、Cancel、吊销的，应当依法组织清算或者对保险公估业务进行结算，向中国保监会提交清算报告或者结算报告。第四十六条保险公估机构解散的，应当依法成立清算组进行清算，并自解散事由出现之日起10日内书面报告中国保监会。

after liquidation，保险公估机构应当向中国保监会提交清算报告。第四十七条保险公估机构解散，在清算中发现已不能清偿到期债务，And the assets are insufficient to pay off all debts or there is an obvious lack of solvency.，应当依法提出破产申请，其财产清算与债权债务处理，按照法定破产程序进行。

第四十八条保险公估机构被依法吊销营业执照、revoked、责令关闭或者被人民法院依法宣告破产的，应当依法成立清算组，依照法定程序组织清算，并向中国保监会提交清算报告。

第四十九条保险公估机构因下列情形之一退出市场的，China Insurance Regulatory Commission cancels license according to law，and make an announcement：

1. License expires，China Insurance Regulatory Commission refuses to renew according to law；
2. 许可证依法被撤回、Revoke or revoke；
3. 保险公估机构解散、Business license revoked according to law、revoked、Ordered to close or declared bankrupt according to law；
4. law、Other situations stipulated in administrative regulations。

The insurance adjustment agency whose license has been canceled shall return the original license in a timely manner。

第五十条保险公估分支机构有下列情形之一的，China Insurance Regulatory Commission cancels license according to law，and make an announcement：

1. 所属保险公估机构许可证被依法注销；
2. 被所属保险公估机构撤销；
3. 被依法责令关闭、Revoke business license；
4. 许可证依法被撤回、Revoke or revoke；
5. law、行政法规规定应当注销许可证的其他情形。

被注销许可证的保险公估分支机构应当及时交回许可证原件。第五章监督检查第五十一条保险公估机构及其分支机构应当依照中国保监会有关规定及时、precise、完整地报送报表、Report、Documents and information，并根据中国保监会

Require

提交相关的电子文本。

保险公估机构及其分支机构报送的报表、报告和资料应当由法定代表人、执行合伙企业事务的合伙人、主要负责人或者其授权人签字，并加盖机构印章。

第五十二条保险公估机构及其分支机构应当妥善保管业务档案、会计账簿、业务台账以及佣金收入的原始凭证等有关资料，保管期限自保险合同终止之日起计算，保险期间在1年以下的不得少于5年，保险期间超过1年的不得少于10年。第五十三条保险公估机构应当按规定将监管费交付到中国保监会指定账户。

第五十四条保险公估机构应当在每一会计年度结束后3个月内聘请会计师事务所对本机构资产、Liabilities、利润等财务状况进行审计，并向中国保监会报送相关审计报告。中国保监会根据需要，Can

Require

保险公估机构或者保险公估分支机构提交专项外部审计报告。

第五十五条中国保监会根据监管需要，可以对保险公估机构的董事长、执行董事或者高级管理人员进行监管谈话，

Require

其就经营活动中的重大事项作出说明。

第五十六条中国保监会依法对保险公估机构及其分支机构进行现场检查，包括但不限于下列内容：

1. 机构设立、变更是否依法获得批准或者履行报告义务；
2. 业务经营状况是否合法；
3. 财务状况是否良好；
4. 向中国保监会提交的报告、报表及资料是否及时、whole、reality；
5. 内控制度是否完善，执行是否有效；
6. 任用董事长、执行董事和高级管理人员是否符合规定；
7. 是否有效履行从业人员管理职责；
8. 对外公告是否及时、reality；
9. 计算机配置状况和信息系统运行状况是否良好。

第五十七条保险公估机构或者保险公估分支机构因下列原因接受中国保监会调查的，在被调查期间中国保监会有权责令其停止部分或者全部业务：

1. 涉嫌严重违反保险法律、Administrative regulations；
2. 经营活动存在重大风险；
3. 不能正常开展业务活动。

第五十八条保险公估机构及其分支机构应当按照下列

Require

配合中国保监会的现场检查工作，不得拒绝、妨碍中国保监会依法进行监督检查：（一）按

Require

provide relevant documents、material，不得拖延、转移或者藏匿；（二）相关管理人员、财务人员及从业人员应当按

Require

到场说明情况、回答问题。

第五十九条保险公估机构及其分支机构有下列情形之一的，The China Insurance Regulatory Commission may list it as a key inspection object：

1. 业务或者财务出现异动；
2. 不按时提交报告、Report or provide false reports、Report、Documents and information；
3. 涉嫌重大违法行为或者受到中国保监会行政处罚；
4. 中国保监会认为需要重点检查的其他情形。

第六十条中国保监会可以在现场检查中，委托会计师事务所等社会中介机构提供相关服务；委托上述中介机构提供服务的，应当签订书面委托协议。中国保监会应当将委托事项告知被检查的保险公估机构及其分支机构。

第六十一条保险公估机构及其分支机构认为检查人员违反法律、行政法规及中国保监会有关规定的，可以向中国保监会举报或者投诉。保险公估机构及其分支机构有权对中国保监会的行政处理措施提起行政复议或者行政诉讼。

第六章法律责任第六十二条行政许可申请人隐瞒有关情况或者提供虚假材料申请设立保险公估机构或者申请其他行政许可的，中国保监会不予受理或者不予批准，and give warning，申请人在1年内不得再次申请该行政许可。

第六十三条被许可人通过欺骗、贿赂等不正当手段设立保险公估机构或者取得中国保监会行政许可的，由中国保监会依法予以撤销，对被许可人给予警告，并处1万元罚款，申请人在3年内不得再次申请该行政许可。

第六十四条未取得许可证，擅自以保险公估机构名义从事保险公估业务的，由中国保监会责令改正，give warning，No illegal gains，并处1万元罚款，Having illegal gains，并处违法所得3倍罚款，但最高不得超过3万元。

第六十五条伪造、变造、rent、出借或者转让许可证的，由中国保监会责令改正，give warning，No illegal gains，并处1万元罚款，Having illegal gains，并处违法所得3倍罚款，但最高不得超过3万元。

第六十六条保险公估机构有下列情形之一的，由中国保监会责令改正，give warning，并处1万元罚款：

1. 编制或者提供虚假的报告、Report、文件或者资料的；
2. 拒绝、妨碍依法监督检查的；
3. 聘任不符合规定条件的人员的。

第六十七条保险公估机构、保险公估分支机构及其从业人员违反本规定第三十三条、第三十四条、第三十八条、第四十条的，由中国保监会责令改正，give warning，No illegal gains，处1万元以下罚款，Having illegal gains，处违法所得3倍以下罚款，但最高不得超过3万元。

第六十八条保险公估机构、保险公估分支机构及其从业人员有本规定第四十一条、第四十二条所列情形之一的，由中国保监会责令改正，give warning，No illegal gains，处1万元以下罚款，Having illegal gains，处违法所得3倍以下罚款，但最高不得超过3万元。

第六十九条保险公估机构及其分支机构有下列情形之一的，由中国保监会责令改正，give warning，处1万元以下罚款：

1. 未按规定缴纳监管费；
2. 未按规定在住所或者营业场所放置许可证；
3. 未按规定办理许可证变更登记或者未按期申请延续许可证有效期；
4. 未按规定交回许可证；
5. 未按规定建立和保管专门账簿、业务档案；
6. 未按规定履行告知义务；
7. 未按规定进行公告；
8. 临时负责人任期超过规定期限；
9. 发生第十六条所列事项未按规定报告；
10. 未按规定报送有关报告、Report、文件或者资料；
11. 与非法从事保险业务或者保险中介业务的单位或者个人发生保险公估业务往来。

第七十条保险公估机构及其分支机构违反本规定的，中国保监会除依照本章规定对该机构给予处罚外，对其直接负责的主管人员和其他直接责任人给予警告，并处1万元以下罚款。

第七十一条保险公估机构及其分支机构的董事、高级管理人员或者从业人员，离开该机构后被发现在该机构工作期间违反有关保险监督管理规定的，应当依法追究其责任。第七十二条中国保监会发现保险公估机构及其分支机构涉嫌逃避缴纳税款、illegal fund raising、传销、洗钱等，需要由其他机关管辖的，应当向其他机关举报或者移送。

违反本规定，涉嫌构成犯罪的，中国保监会应当向司法机关举报或者移送。第七章附则第七十三条本规定所称保险中介机构是指保险代理机构、保险经纪机构和保险公估机构及其分支机构。第七十四条经中国保监会批准设立的外资保险公估机构适用本规定。我国参加的有关国际条约和中国保监会另有规定的，适用其规定。

第七十五条本规定

Require

提交的各种表格格式由中国保监会制定。第七十六条本规定中有关期限，除以年、月表示的以外，均以工作日计算，不含法定节假日。本规定所称“以上”、“以下”包括本数。

第七十七条本规定自2009年10月1日起施行，中国保监会2001年11月16日颁布的《保险公估机构管理规定》（保监会令2001年第3号）同时废止。第七十八条本规定施行前依法设立的保险公估机构继续保留，不完全具备本规定条件的，具体适用办法由中国保监会另行规定。

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