Article 47 An insurance company shall strengthen the management of investment assets, identify the market risk, credit risk, liquidity risk and concentration risk of investment assets, and ensure that the solvency of the company is sufficient to meet the liquidity demand.
Article 48 An insurance company shall, with sufficient solvency and liquidity, formulate investment strategies and arrange the investment asset structure.
An insurance company shall adjust its investment strategy and investment asset structure in a timely manner according to factors such as solvency and liquidity demand.
Article 49 An insurance company shall strengthen the management of bank deposits. Bank deposits of life insurance companies, property insurance companies and reinsurance companies with total assets exceeding 654.38 billion yuan shall meet the following requirements:
(1) Deposits in non-state-owned commercial banks shall not exceed 20% of the total bank deposits of the company;
(2) Deposits in non-national commercial banks shall not exceed 60% of the total bank deposits of the company;
(3) Other provisions of the China Insurance Regulatory Commission.
Article 50 An insurance company shall strengthen the management of long-term equity investment, establish decision-making mechanisms and procedures for long-term equity investment, and regularly analyze the operating and financial conditions of subsidiaries, joint ventures and affiliated enterprises.
Article 51 An insurance company shall establish a credit risk management system and mechanism, and strengthen the management of creditor's rights assets such as policy pledged loans, accounts receivable and reinsurance reserves receivable.
Article 52 An insurance company shall strengthen the management of real estate assets, strictly distinguish between self-use real estate and investment real estate, and manage them separately.
An insurance company shall not include the real estate held for the purpose of earning rent or capital appreciation or both in the management of self-use real estate. An insurance company shall not include the real estate held for providing labor services or management in the investment real estate management.
Article 53 The sum of the book value of an insurance company's fixed assets and the book value of projects under construction shall not exceed 50% of its net assets.
Article 54 An insurance company shall strengthen the management of damaged materials and claims assets, and establish internal control processes such as collection, storage, disposal and inventory of damaged materials and claims assets.