How to register an insurance brokerage company，How to apply for an insurance broker license

社会资本不断涌入保险业，当申请保险公司牌照难如愿时，不少资本调头对保险中介牌照猛烈进攻。

1124th of the month，保监会下发《保险经纪人监管规定(Draft for comments)》(以下简称《征求意见稿》)，拟提高中介牌照的门槛，规定股东禁入行为列表，如最近三年内因严重失信行为在人民法院、commercial bank、自律管理组织等单位有不良记录的单位或个人禁止入内等。

in，

Require

保险经纪公司的注册资本金为5000万元，不过明确提出股东出资须为实缴货币资本，且为自有、reality、合法资金，不得用银行贷款及其他形式的非自有资金来投资。

一位分析人士指出，在保险业曾有公司以大额存款作为交换条件，

Require

银行为股东放贷，而股东以贷款来进一步增资以满足监管对资本金的

Require

，监管如此规定是为了避免这一违规行为在保险中介市场泛滥。in addition，保险经纪从业人员只限于通过一家保险经纪人进行执业登记，跳槽人员须及时变更执业登记。

at the same time，《征求意见稿》也杜绝从业人员销售非保险金融产品。It is understood，随着综合金融业务结构的发展，更多的保险公司通过设立保险经纪公司来销售不同公司的产品以增强竞争力，甚至将集团旗下其他金融机构的产品交叉销售。保监会也表态，保险经纪人及其从业人员销售符合条件的非保险金融产品前，应当具备相应的资质

Require

。

保监会一直

Require

保险经纪公司投保职业责任保险，以保证因公司及从业人员责任而导致投保客户或保险公司受到损失具有一定的赔偿能力,不过《征求意见稿》下调了单次事故的赔偿限额，由此前不低于500万元下调至100万元，一年期保单的累计赔偿限额不得低于1000万元，同时不得低于保险经纪人上年度的主营业务收入。

one、Application instructions

1. Unless otherwise stipulated by the China Insurance Regulatory Commission，Insurance brokerage institutions shall adopt the following organizational forms：(1)limited liability company;(2)Co., Ltd.。
2. The registered capital of an insurance brokerage company shall not be less than RMB 50 million.，and must be paid-in monetary capital。
3. 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。
4. Insurance brokerage institutions may engage in the following insurance brokerage businesses::(1)Formulate insurance plans for policyholders，Choose an insurance company and go through the insurance procedures;(2)Assist the insured or beneficiary in making claims;(3)Reinsurance brokerage business;(4)Provide disaster prevention for clients、Loss prevention or risk assessment、Risk management consulting services;(5)Other businesses approved by the China Insurance Regulatory Commission。

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