港信通-现有保险公估公司待转,带保险公估资质。收购公司需要调查目标公司是否有债权债务纠纷,是否有不良银行贷款,是否有法院诉讼,是否有拖欠员工工资,是否有欠税漏税,主体资格及业务资质是否真实合法,在之前经营过程中是否发生过集体挤兑现象,是否有监管处罚记录,以及是否有其他会对公司经营造成重大影响的情形。
接下来介绍一下保险公估牌照的经营
Things to note
。Employees of insurance adjustment agencies and their branches shall meet the conditions prescribed by the China Insurance Regulatory Commission。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。
Insurance adjustment agencies and their branches shall provide insurance law and business knowledge training and professional ethics education to the employees of the agency。Insurance adjustment agencies and their branches shall establish special account books,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:
- 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.;
- Remuneration amount and collection status;
- Other important business information。The records of the insurance adjuster should be complete、reality。
Insurance adjustment agencies and their employees enjoy the following rights::(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。
Insurance adjustment agencies and their employees shall perform the following obligations::
- obey the law、Administrative regulations and China Insurance Regulatory Commission regulations,Accept industry management,Maintain industry reputation;
- adhere to assessment criteria、Professional ethics and related standards;
- Relevant documents for use、prove、Check the authenticity of the information;
- law、Administrative regulations and other obligations stipulated by the China Insurance Regulatory Commission。
insurance adjuster、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.。
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。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。
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