With the release of the outline development plan for the Guangdong-Hong Kong-Macao Greater Bay Area，The country’s strategic intention to build the Guangdong-Hong Kong-Macao Greater Bay Area is very clear and clear，The space for arbitrage of various systems and policies among the three places will inevitably be gradually eliminated with the integration and development.，People between the three places、funds、fusion of institutions，It will also expand the influence of Hong Kong insurance、Lay the foundation for increasing coverage。The construction of the Guangdong-Hong Kong-Macao Greater Bay Area，It is very likely that Hong Kong insurance will reach a wider mainland population more conveniently。
Manager Peng Yi currently has a Hong Kong insurance brokerage company that can be transferred to，Interested bosses can contact me to find out more。The company also accepts agents from Hong Kong insurance brokerage companies。Insurance brokers whose capital and net assets are not incorporated are required to maintain a minimum net asset value of at least HK$100,000 in their insurance brokerage business at all times。A corporate insurance broker is required to maintain a minimum net asset value and minimum paid-up share capital of at least HK$100,000 at all times.。
When setting a minimum net asset value，Excludes all intangible assets，and must be calculated in accordance with accounting principles generally accepted in Hong Kong。Professional Indemnity Insurance Insurance brokers must maintain a Professional Indemnity Policy，Provides a minimum limit of indemnity for any one claim and any twelve-month policy period。
The minimum limit of indemnity shall be：(i)Amount calculated as follows：·Twice the total insurance brokerage income in the twelve months preceding the effective date of the professional indemnity policy(Applicable to insurance brokers operating insurance business for more than one year)；·Twice the projected insurance brokerage income for the twelve months covered by the professional indemnity policy(Applicable to insurance brokers who have been operating insurance business for less than one year)；or(ii)HKD 3,000,000, whichever is greater，The maximum amount is HKD75,000,000。
If the insured amount exceeds the above amount，Of course, other arrangements can be made，To meet the needs of individual brokers。If after making a claim，The limit of indemnity available falls below(i)The amount specified in the item，The insured amount shall be reinstated to no less than the minimum amount specified above。If the indemnity limit is as per paragraph above(ii)item stipulation，The policy must contain a clause that automatically reinstates the sum assured once，Adjust the indemnity limit to a level of not less than HK$3,000,000。
For the purposes of this article，Insurance brokerage income refers to any business that has an insurance component(No matter how many ingredients)Income earned from providing advice or arrangements for contracts。Insurance brokers or their chief executives must comply with the requirements of a continuing professional training program in the manner and form specified by the IA。Insurance brokers who are not individuals are only qualified to engage in the scope of insurance business that their chief executive is qualified to engage in。
Insurance brokers are required to deposit client funds into a client's bank account，separate from its own monies。He shall not use client money for any purpose other than that of the client concerned。
"Customer Account" shall be defined as follows，and held by insurance brokers on behalf of their clients：(i)"Client Account" means an account in the name of an insurance broker，under banking regulations(Chapter 155)Opened by a duly authorized financial institution，Current or savings account with "Customer" in the name。(ii)Insurance brokers must maintain at least one client account，and may maintain as many customer accounts as he thinks fit。
(iii)If an insurance broker accepts or holds money on behalf of his client that relates to insurance brokerage business，These funds must be deposited into the relevant customer accounts promptly。
About Hong Kong Xintong
Hong Kong Xintong focuses onHong Kong Securities and Futures Commission license、Hong Kong Insurance Broker License、Hong Kong MSO Licenseandmoneylenders licenseApply for service，Assist customers to applyUS MSB license、NFA、RIA、Canadian MSB license、Mainstream overseas financial licenses such as Australia and Mexico，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableCayman Islands Offshore Company Registration、Offshore fund establishment and global compliance operations and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。
