保险经纪公司注册：Establish conditions、注册资本要求与许可证申请流程

保险经纪机构的设立与运营受到中国保监会的严格监管，涉及注册资本、Shareholder qualifications、许可证申请与延续等多项合规要求。以下依据《保险法》及相关规定，系统整理保险经纪公司的注册条件与审批流程。

总则与监管框架

为规范保险经纪机构的经营行为，保护被保险人的合法权益，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》等法律、Administrative regulations，Make this provision。

本规定所称保险经纪机构，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；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。

机构设立的组织形式与准入条件

Unless otherwise stipulated by the China Insurance Regulatory Commission，Insurance brokerage institutions shall adopt the following organizational forms：

• limited liability company；
• Co., Ltd.。

设立保险经纪公司的八项条件

Set up an insurance brokerage company，The following conditions should be met：

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.。

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。

分支机构设立要求

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。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。

许可证申请、变更与延续流程

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。

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。

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。