区域性保险公估、全国性保险公估机构备案条件及流程

保险中介监管进一步升级。上海证券报记者昨日独家获悉，继2月上旬《保险经纪人监管规定》、《保险公估人监管规定》出台后，保监会近日又起草了《保险公估基本准则（征求意见稿）》（下称《准则》），旨在进一步规范乱象丛生的保险中介市场。

Insurance assessment refers to the assessment agency and its assessment professionals who are entrusted，Evaluate the subject matter or insured event、Inspection、identification、Loss adjustment and related risk assessment。就知名度而言，保险公估不如保险经纪及保险代理两个中介“兄弟”，但它在保险业的作用丝毫不亚于后两者。However，因缺乏专业的技术人才，保险公估的发展一直不及保险经纪及代理来得出挑。

由于资金短缺、技术力量薄弱、管理制度不健全、网点机构太少等通病，保险公估业始终处于微利状态。虽然车险公估市场近年来呈现爆发式增长，可是繁荣表象的背后却是营业利润率的不断走低以及乱象的日渐滋生。“不少保险公估公司依旧是作坊式、大规模合伙人式的原始落后的公司治理结构。

”一家保险公估负责人直言不讳，保险公估的出现是作为保险市场公正、诚信的一种制度安排，但现状是因保险公估机构普遍弱小，面临生存危机，往往在公估过程中受制于短期利益而偏离公正、公平的轨道。正是在这样的背景下，《准则》应运而生。

从记者拿到的征求意见稿来看，保险公估人及其从业人员开展保险公估业务，首先应遵循独立、objective、principle of justice。保险公估人及其从业人员应独立进行调查、分析和评估并形成专业意见，不得以预先设定的保险公估结论向委托人或保险公估当事人做出承诺。

保险公估人不得与非法从事保险业务或保险中介业务的机构或个人发生保险公估业务往来。Insurance adjusters can only engage in business with one insurance adjuster.，Limited to practicing registration through one insurance adjuster。《准则》明确了公估委托关系及方式。

保险公估人从事保险公估业务，应与委托人签订委托合同或取得委托人出具公估委托书，依法约定保险公估业务的委托范围、服务事项、各方的权利义务等相关事项。保险活动当事人在协商一致的基础上，可采用单方委托、双方委托或者多方共同委托等多种公估委托方式。

公估委托关系一旦成立，保险公估人及其从业人员应该重合同、Keep your word，认真完成委托事项。对受理的保险公估业务，保险公估人应指定至少2名保险公估从业人员承办，承办人员包括对案件

Process

及公估报告实施监督和审核的保险公估从业人员。保险公估从业人员的执业活动应在委托权限内进行。

《准则》还对公估收费标准及公估费结算进行了规定。保险中介行业自律组织基于保险公估行业发展实际，推动公估服务收费的规范化和透明化。保险公估人为政策性保险业务、**委托业务及社会团体委托业务提供服务的，报酬收取不得违反保监会的规定。对于特定公估委托项目，保险公估人可与委托人自行协商收费标准或收费金额。

根据公估委托合同的约定和实际案情，公估费结算可采取预收、分期或一次性支付等方式。《准则》还

Require

，保险公估人应在每一会计年度结束后聘请会计师事务所对本机构的资产、Liabilities、利润等财务状况进行审计，并在每一会计年度结束后的4个月内向保监会派出机构或其委托的保险中介行业自律组织报送相关审计报告。

面对市场体系庞大的保险中介市场，通过近期一系列已经或即将出台的新规，保险监管部门将实现从过去“管机构、管批设”，到将来“管人、管行为”的转变。保险公估备案怎么申请？

有的朋友还不知道，目前保险公估已经从之前的许可制改为备案制了，那么许可制和备案制有什么不一样吗，政策上是显示在申请上流程简化了，都简化了哪些呢，最直面的体会是，现在不颁发许可证，但是条件和之前没有任何差别，在保险公估审批因为政策调整，近期才开始开放，有的企业主想要申请的不了解政策，往往耽误非常多的时间以及经历，影响了公司的展业及规划，在这里告诉各位可以找我们协助申请。

保险公估公司设立审批流程条件指南—-Application materials：

1. Application materials required by insurance adjuster (non-group)：
2. All shareholders、"Application Form for the Establishment of an Insurance Adjustment Agency" signed by the sponsor or partner；
3. "Power of Attorney for Application for Establishment of Insurance Adjustment Agency"；
4. Articles of Association or Partnership Agreement；
5. natural person shareholder、Copy of identity certificate of the sponsor or partner and "Resume Form of Natural Person Shareholder of Insurance Adjustment Agency"，Non-natural person shareholders、A copy of the sponsor’s business license and the financial statements of the last 1 year stamped with the financial seal；Commitment letter stating that there will be no major illegal activities in the past three years；An explanation of the sources of investment funds and a statement that the sources of investment funds comply with China’s anti-money laundering laws and regulations；Statement that the investor has not been subject to major anti-money laundering administrative penalties in the past three years；
6. Capital verification certificate issued by a legally established capital verification agency、Copy of original voucher for capital entry；
7. feasibility report，Includes market situation analysis、financial analysis、Business development plan, etc.；
8. Copy of enterprise business license；
9. internal management system，including organizational structure、business management system、financial system，Information management system、Anti-money laundering internal control system and business service standards, etc.；
10. Application materials and relevant certification materials for the qualifications of proposed senior managers，Copy of "Qualification Certificate" of business personnel；
11. business、Description of financial and other computer software and hardware equipment, etc.；
12. Other materials required by the China Insurance Regulatory Commission。

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