Establishment of an insurance brokerage company：机构准入条件、任职资格与许可证管理

保险经纪机构的经营行为受到严格的法律法规约束，其设立、变更及日常运营均须符合中国保监会的监管要求。以下从机构设立、任职资格及许可证管理等维度，系统梳理保险经纪公司的准入规则与合规要点。

保险经纪机构的法律定位与监管框架

保险经纪机构是指基于投保人的利益，为投保人与保险公司订立保险合同提供中介服务，并按约定收取佣金的机构，包括保险经纪公司及其分支机构。在中华人民共和国境内设立保险经纪公司，应当符合中国保险监督管理委员会规定的资格条件，取得经营保险经纪业务许可证。

保险经纪机构应当遵守法律、Administrative regulations and relevant provisions of the China Insurance Regulatory Commission，遵循自愿、诚实信用和公平竞争的原则。保险经纪机构因过错给投保人和被保险人造成损失的，应当依法承担赔偿责任。中国保监会根据《保险法》和国务院授权，对保险经纪机构履行监管职责，其派出机构在授权范围内履行监管职责。

保险经纪公司的设立条件与组织形式

Unless otherwise stipulated by the China Insurance Regulatory Commission，保险经纪机构应当采取有限责任公司或股份有限公司的组织形式。

设立保险经纪公司的基本条件

1. shareholder、The sponsor is in good standing，No major illegal records in the past three years；
2. 注册资本达到《中华人民共和国公司法》和本规定的最低限额；
3. The company's articles of association comply with relevant regulations；
4. Chairman、Executive directors and senior managers meet the qualifications required by these regulations；
5. Have a sound organizational structure and management system；
6. Have a fixed residence commensurate with the size of the business；
7. Have business suitable for carrying out business、Financial and other computer software and hardware facilities；
8. law、Administrative regulations and other conditions stipulated by the China Insurance Regulatory Commission。

注册资本与股东资格要求

Set up an insurance brokerage company，Its minimum registered capital is RMB 50 million.，Unless otherwise specified by the China Insurance Regulatory Commission。The registered capital of an insurance brokerage company must be paid-in monetary capital。

According to the law、Units or individuals that are prohibited from investing in enterprises according to administrative regulations，Not allowed to be a promoter or shareholder of an insurance brokerage company。Insurance company employees invest in insurance brokerage companies，The insurance company should be notified in writing；insurance company、Directors or senior managers of insurance intermediaries investing in insurance brokerage companies，The consent of the shareholders' meeting or general meeting of shareholders must be obtained in accordance with the relevant provisions of the Company Law.。

名称规范与申请程序

The name of an insurance brokerage institution shall contain the words "insurance broker"，And the font size must not be the same as that of existing insurance intermediaries.，Unless otherwise specified by the China Insurance Regulatory Commission。

Apply to establish an insurance brokerage company，All shareholders、All sponsors shall designate a representative or jointly entrust an agent，Apply to the China Insurance Regulatory Commission。

Conditions for establishing a branch

保险经纪公司的分支机构包括分公司、Sales Department。保险经纪公司设立分支机构应当具备下列条件：

1. Sound internal control system；
2. 注册资本达到本规定的要求；
3. Existing institutions are functioning normally，且最近1年内无重大违法行为；
4. 拟任主要负责人符合本规定的任职资格条件；
5. 拟设分支机构具备符合要求的营业场所和与经营业务有关的其他设施。

审批流程与许可证管理

中国保监会收到保险经纪公司设立申请后，Can provide risk warnings to applicants，Conversation on application for establishment matters，ask、了解拟设公司的市场发展战略、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。

中国保监会依法批准设立保险经纪公司的，应当向申请人颁发许可证。申请人收到许可证后，方可开展保险经纪业务。

The insurance brokerage company license is valid for 3 years，The insurance brokerage company shall notify the insurance company 30 days before the expiration of the validity period.，Apply to the China Insurance Regulatory Commission for renewal。保险经纪公司申请延续许可证有效期的，The China Insurance Regulatory Commission will conduct a comprehensive review and comprehensive evaluation of the operations of the insurance brokerage company 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。保险经纪公司应当自收到决定之日起10日内向中国保监会缴回原证；Approved to extend the validity period，New license should be obtained。

变更事项的报告义务

保险经纪机构有下列情形之一的，应当自事项发生之日起5日内，Written report to China Insurance Regulatory Commission：

1. Change name or branch name；
2. Change of domicile or branch business location；
3. sponsor、主要股东变更姓名或者名称；
4. 变更主要股东；
5. Change registered capital；
6. 股权结构重大变更；
7. 变更组织形式；
8. separate、merge；
9. Amend the Articles of Association；
10. set up、Cancel branch。

保险经纪公司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。

高级管理人员任职资格

保险经纪机构高级管理人员是指保险经纪公司的总经理、Deputy general manager or manager with the same authority，以及保险经纪公司分支机构的主要负责人。

任职条件

保险经纪机构拟任董事长、Executive directors and senior managers should meet the following conditions，并报经中国保监会核准：

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。

从事金融工作10年以上，可以不受前款第（一）项的限制。

不得任职的情形

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人员，不得担任保险经纪机构董事长、执行董事或者高级管理人员：

1. 担任因违法被吊销许可证的保险公司或者保险中介机构的董事、Supervisors or senior managers，and bear personal responsibility or direct leadership responsibility for having the license revoked，Not more than 3 years have passed since the date the license was revoked；
2. Directors of financial institutions whose qualifications have been disqualified by financial regulatory authorities due to illegal or disciplinary violations、Supervisors or senior managers，Not more than 5 years have passed since the date of disqualification；
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. Received a warning or fine from a financial regulatory agency for less than 2 years；
5. Undergoing judicial authority、Investigation by the disciplinary inspection and supervision department or financial regulatory agency；
6. Other situations specified by the China Insurance Regulatory Commission。

任职管理与报告要求

非经股东会或者股东大会批准，保险经纪公司的董事和高级管理人员不得在存在利益冲突的机构中兼任职务。

保险经纪机构向中国保监会提出董事长、执行董事和高级管理人员任职资格核准申请的，应当如实填写申请表、Submit relevant materials。中国保监会可以对保险经纪机构拟任董事长、执行董事和高级管理人员进行考察或者谈话。

保险经纪机构董事长、执行董事和高级管理人员在保险经纪机构内部调任、兼任同级或者下级职务，无须重新核准任职资格。保险经纪机构决定免除董事长、执行董事和高级管理人员职务或者同意其辞职的，其任职资格自决定作出之日起自动失效。保险经纪机构任免董事长、Executive Directors and Senior Management，should be made within 5 days from the date of decision，Written report to China Insurance Regulatory Commission。

保险经纪机构的董事长、Executive directors and senior managers prosecuted for alleged economic crimes，保险经纪机构应当自其被起诉之日起5日内和结案之日起5日内，Written report to China Insurance Regulatory Commission。

保险经纪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。

投保服务流程

1. 收集市场信息。
2. 确定目标客户。
3. 拜访客户。
4. 达成意向或委托洽谈成功后，尽可能同客户签订书面授权委托书，同时将客户情况上报客户服务部。
5. 业务机构根据公司业务管理规定的授权处理业务；对于大企业、大项目、大系统、高风险业务等需要公司支持的，由公司综合管理部负责成立专门项目组提供专项服务和支持。
6. 风险调查评估。
7. 风险管理工程师设计制作保险方案，并征得客户确认。
8. 业务询价。
9. 协助客户投保。
10. 保费和佣金的结算。
11. 送交客户《服务手册》后，将业务操作过程中产生的全部书面资料及时归档；将业务收入超过10万元的全套重点客户档案复印件寄至公司客户服务部归档。