(a) excellent qualifications, clear relationship;
(two) the structure is reasonable and the behavior is standardized;
(3) Openness, transparency and orderly circulation. Article 3 The China Insurance Regulatory Commission (hereinafter referred to as the China Insurance Regulatory Commission) shall, in accordance with the principle that substance is more important than form, carry out penetrating supervision and classified supervision on the equity of insurance companies according to law.
Equity supervision runs through the following links:
(1) Investing in the establishment of an insurance company;
(2) Changing the registered capital of an insurance company.
(3) Changing the equity of an insurance company.
(4) listing of insurance companies;
(5) Merger and division of insurance companies;
(6) insurance company governance;
(7) Risk disposal or bankruptcy liquidation of an insurance company. Article 4 According to the shareholding ratio, qualifications and influence on the operation and management of insurance companies, the shareholders of insurance companies are divided into the following four categories:
(1) financial class I shareholders. Refers to the shareholders who hold less than 5% of the equity of an insurance company.
(2) Financial second-class shareholders. Refers to the shareholders who hold more than 5% but less than 15% of the shares of an insurance company.
(3) Strategic shareholders. Refers to the shareholders who hold more than 0/5% but less than13 of the shares of the insurance company, or whose capital contribution and voting rights of the shares they hold are sufficient to have a significant impact on the resolutions of the shareholders' (general) meeting of the insurance company.
(4) Controlling shareholder. Refers to the shareholders who hold more than one-third of the shares of an insurance company, or the shareholders whose capital contribution and voting rights of the shares they hold are sufficient to have a controlling influence on the resolutions of the shareholders' (general) meeting of an insurance company. Article 5 The China Insurance Regulatory Commission encourages investors with professional abilities such as risk management, scientific and technological innovation, health management and aged care services to invest in the insurance industry, so as to promote the transformation and upgrading of insurance companies and optimize their services. Chapter II Qualifications of Shareholders Article 6 The following investors who meet the requirements as prescribed in these Measures may become shareholders of an insurance company:
(1) Domestic enterprise legal person;
(2) Domestic limited partnership enterprises;
(3) Domestic institutions and social organizations;
(4) Overseas financial institutions.
Institutions and social organizations can only become a class of financial shareholders of insurance companies, unless otherwise stipulated by the State Council.
Natural persons can only become Class I financial shareholders of insurance companies by purchasing shares of listed insurance companies. Unless otherwise provided by the CIRC of China. Article 7 Asset management plans and trust products can be invested in listed insurance companies by purchasing public shares. The proportion of shares held by a single asset management plan or trust product in a listed insurance company shall not exceed 5% of the total share capital of the insurance company. If an insurance company has an affiliated relationship and entrusts the same or affiliated institution to invest, the investment ratio shall be calculated on a consolidated basis. Article 8 A Class I financial shareholder shall meet the following conditions:
(1) It is in good operating condition and its operating income level is reasonable;
(2) It is in good financial condition and has made profits in the latest fiscal year;
(3) Having a good tax payment record and no tax evasion record in the last three years;
(4) It has a good credit record, and has no record of major dishonesty in the last three years;
(5) It is in good compliance and has no record of major violations of laws and regulations in the last three years;
(6) Other conditions stipulated by laws, administrative regulations and the China Insurance Regulatory Commission. Article 9 Financial Class II shareholders shall meet the following conditions in addition to the provisions of Article 8 of these Measures:
(a) good reputation, stable investment behavior, outstanding core business;
(2) It has the ability to continuously contribute capital, and has made profits continuously in the last two fiscal years;
(3) Strong financial strength and net assets of not less than 200 million yuan;
(4) Other conditions stipulated by laws, administrative regulations and the China Insurance Regulatory Commission. Article 10 A strategic shareholder shall meet the following conditions in addition to the provisions of Articles 8 and 9 of these Measures:
(1) It has the ability to continuously contribute capital, and has made profits continuously in the last three fiscal years;
(2) Its net assets are not less than 10 billion yuan;
(3) The balance of equity investment shall not exceed the net assets.
(4) Other conditions stipulated by laws, administrative regulations and the China Insurance Regulatory Commission. Article 11 A controlling shareholder shall meet the following conditions in addition to the provisions of Articles 8, 9 and 10 of these Measures:
(1) Its total assets are not less than10 billion yuan;
(2) Its net assets at the end of the most recent year shall not be less than 30% of its total assets;
(3) Other conditions stipulated by laws, administrative regulations and the China Insurance Regulatory Commission.
Unless otherwise stipulated by the state, financial institutions may not be subject to the restrictions in the second paragraph of the preceding paragraph. Article 12 An investor in a domestic limited partnership enterprise shall meet the following conditions in addition to the provisions of Articles 8 and 9 of these Measures:
(1) The general partner has a good credit record and has no record of major violations of laws and regulations in the last three years;
(2) If there is a duration, it shall undertake to transfer the equity held by the insurance company before the expiration of the duration;
(3) Simple hierarchy and clear structure.
A domestic limited partnership enterprise may not initiate the establishment of an insurance company.