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外國保險機構駐華代表機構管理辦法-中英對照法律英語

青島希尼爾翻譯公司 2016年8月2日整理發(fā)布

外國保險機構駐華代表機構管理辦法

　　Rules on Administration of Representative Offices of Foreign Insurance Institutions

　　第一章總則

　　Chapter I General Provisions

　　第一條為了加強對外國保險機構駐華代表機構（以下簡稱“代表機構”）的管理，適應中國保險市場對外開放的需要，根據(jù)《中華人民共和國保險法》，制定本辦法。

　　Article 1 These rules are formulated in accordance with the Insurance Law of the People’s Republic of China, and for the purpose of strengthening the administration of representative offices of foreign insurance institutions (hereinafter referred to as “representative offices”), and meeting the needs of the opening up of China’s insurance market to the outside world.

　　第二條本辦法所稱外國保險機構，是指在中國境外注冊的保險公司、再保險公司、保險中介機構、保險協(xié)會及其它保險組織。

　　Article 2 Foreign insurance institutions hereof referred to in these rules are those insurance companies, reinsurance companies, insurance intermediaries, insurance associations, and other insurance organizations incorporated outside the territory of the People’s Republic of China.

　　本辦法所稱代表機構，是指外國保險機構在中國境內獲準設立并從事聯(lián)絡、市場調查等非經(jīng)營性活動的代表處、總代表處。

　　Representative offices hereof referred to in these rules are both representative offices and general representative offices established by foreign insurance institutions within Chinese territory for the purpose of conducting such non-operational activities as liaison service and market research etc.

　　本辦法所稱首席代表，是指代表處的主要負責人；本辦法所稱總代表，是指總代表處的主要負責人。

　　Chief Representative hereof referred to in these rules is the principal responsible person of the representative office, and the general representative is the principal responsible person of the general representative office.

　　第三條代表機構必須遵守中國法律、法規(guī)和中國保險監(jiān)督管理委員會（以下簡稱“中國保監(jiān)會”）的有關規(guī)定。代表機構的合法權益受中國法律保護。

　　Article 3 Representative offices shall abide by Chinese laws and regulations and related regulations made by China Insurance Regulatory Commission (hereinafter referred to as “CIRC”) and their legitimate rights and interests are protected by Chinese laws.

　　第四條中國保監(jiān)會根據(jù)法律和國務院授權，對代表機構履行監(jiān)管職責。

　　Article 4 CIRC is authorized by law and the State Council to perform regulatory responsibilities over the representative offices.

　　中國保監(jiān)會派出機構，在中國保監(jiān)會授權范圍內，代表中國保監(jiān)會對本轄區(qū)的代表機構實施日常監(jiān)管。

　　Under the authorization scope of CIRC, the local branch offices of CIRC take general regulation of those representative offices that are located in their jurisdictions on behalf of CIRC.

　　第二章申請與設立

　　Chapter Ⅱ Application and Establishment

　　第五條申請設立代表處的外國保險機構（以下簡稱“申請者”）應當具備下列條件：

　　Article 5 Foreign insurance institutions (hereinafter referred to as “the applicant”) applying to establish a representative office shall satisfy the following requirements:

　?。ㄒ唬┙?jīng)營狀況良好；

　　(1) Good business performance;

　?。ǘ┥暾堉涨?年內無重大違法違規(guī)記錄；

　　(2) No record of any major violation of laws and regulations within three years prior to the application date;

　?。ㄈ┲袊１O(jiān)會規(guī)定的其他審慎性條件。

　　(3) Other prudential requirements stipulated by CIRC.

　　第六條擬設代表處的正式申請表由中國保監(jiān)會提供。

　　Article 6 The formal application form for the establishment of representative office is provided by CIRC.

　　第七條申請者應當提交下列材料：

　　Article 7 The applicant shall submit the following documents:

　　（一）正式申請表；

　　(1) The formal application form;

　　（二）由董事長或者總經(jīng)理簽署的致中國保監(jiān)會主席的申請書；

　　(2) A letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;

　?。ㄈ┧趪一蛘叩貐^(qū)有關主管當局核發(fā)的營業(yè)執(zhí)照或者合法開業(yè)證明或者注冊登記證明的復印件；

　　(3) A photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate issued by the relevant regulatory authorities of its home country or territory;

　?。ㄋ模C構章程，董事會成員名單、管理層人員名單或者主要合伙人名單；

　　(4) Articles of association and the name list of the members of the Board of Directors, management personnel or principal partners;

　?。ㄎ澹┥暾堉涨?年的年報；

　　(5) Annual reports of the last three years prior to the application;

　?。┧趪一蛘叩貐^(qū)有關主管當局出具的對申請者在中國境內設立代表處的意見書，或者由所在行業(yè)協(xié)會出具的推薦信，意見書或者推薦信應當陳述申請者在出具意見書或者推薦信之日前3年受處罰的記錄；

　　(6) A letter of permit issued by the competent authority of its home country or territory allowing it to set up a representative office in China, or a letter of recommendation from the industrial association of which the applicant is a member, and both types of letters shall contain information about the penalty records of the applicant received within three years prior to the application;

　　（七）由董事長或者總經(jīng)理簽署的首席代表授權書；

　　(7) A power of attorney signed by the Chairman of the Board or General Manager for the chief representative designated;

　?。ò耍M任首席代表的簡歷以及相關證明材料；

　　(8) The resume of the designated chief representative and other relevant supporting documents;

　?。ň牛┲袊１O(jiān)會規(guī)定提交的其他資料。

　　(9) Other documents and materials required by CIRC.

　　“營業(yè)執(zhí)照”、“合法開業(yè)證明”和 “注冊登記證明”的復印件必須經(jīng)其所在國家或者地區(qū)依法設立的公證機構公證或者經(jīng)中國駐該國使、領館認證。

　　The photocopy of the business license or the certificate of authorization for insurance business, or the registry certificate shall be subject to notarization certified by the applicant’s home country or territory or verification by the resident Embassy or Consulate of the People’s Republic of China in the applicant’s home country or territory.

　　第八條申請者應當向中國保監(jiān)會提交申請材料。對擬設代表處的申請，中國保監(jiān)會應當根據(jù)下列情況分別處理：

　　Article 8 The applicant shall submit its application documents to CIRC. CIRC shall handle all the applications according to the following conditions:

　　（一）申請材料存在可以當場更正的錯誤的，應當允許申請人當場更正；

　　(1) If the document has a mistake (mistakes) that can be corrected on the spot, the applicant shall be allowed to make the correction on the spot;

　?。ǘ┥暾埐牧喜积R全或者不符合法定形式的，應當當場或者在5日內一次告知申請人需要補正的全部內容，逾期不告知的，自收到申請材料之日起即為受理；

　　(2) If the document is incomplete or does not comply with regulatory formats, the applicant shall be informed on the spot or within five days of all the required corrections at one time. If the applicant is not informed of such information in this period, then it is assumed that the application is accepted for review on the day it is received by CIRC;

　?。ㄈ┥暾埐牧淆R全、符合法定形式，或者申請人按照要求提交全部補正申請材料的，應當受理申請。

　　(3) If the document is complete and complies with regulatory formats, or after the applicant, upon request, has submitted additional documents and made necessary corrections, then the application shall be accepted for review.

　　中國保監(jiān)會受理或者不予受理申請，應當出具加蓋專用印章和注明日期的書面憑證。

　　Whether or not CIRC accepts the application for review, CIRC shall issue a written document with designated stamp and date indicated.

　　第九條中國保監(jiān)會應當自受理申請之日起20日內，作出批準或者不予批準的決定。

　　Article 9 Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve.

　　20日內不能作出決定的，經(jīng)中國保監(jiān)會主席批準，可以延長10日，并應當將延長期限的理由告知申請人。

　　If the decision can not be made in the said 20 days, at the approval of the Chairman of CIRC, the said period can be extended 10 more days and the applicant shall be informed of reasons for the extension.

　　決定批準的，頒發(fā)批準書；決定不予批準的，應當書面說明理由。

　　If CIRC decides to approve the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.

　　第十條代表處領取批準書后，應當按有關規(guī)定辦理工商登記。

　　Article 10 After a representative office receiving the official document of approval, it shall register with the State Administration of Industry and Commerce in line with relevant rules.

　　代表處應當自領取批準書之日起3個月內遷入固定的辦公場所；

　　The representative office shall move into its official premises within three months from the date on which the approval document is issued;

　　超過3個月仍未遷入固定辦公場所的，原批準書自動失效。

　　the approval document shall automatically become invalid if the said deadline is not observed.

　　第十一條在中國境內已設立2個以上代表處的外國保險機構，可以向中國保監(jiān)會提出申請，指定其中一個代表處為總代表處。

　　Article 11 Any foreign insurance institution that has already established no less than two representative offices in China shall be allowed to apply to CIRC to appoint one of its representative offices as a general representative office.

　　第十二條外國保險機構申請指定總代表處，應當提交由董事長或者總經(jīng)理簽署的致中國保監(jiān)會主席的申請書。

　　Article 12 In applying to appoint the general representative office, foreign insurance institutions shall submit a letter of application addressed to the Chairman of CIRC and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.

　　總代表處的設立程序與代表處的設立程序相同。

　　The application for setting up a general representative office is subject to the same rules governing the application of a representative office.

　　第三章監(jiān)督管理

　　Chapter Ⅲ Supervision and Administration

　　第十三條代表處的名稱應當依次由下列內容組成：“外國保險機構名稱”、“所在城市名稱”和“代表處”；

　　Article 13 The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + name of the city where the representative office is to be located + representative office;

　　總代表處的名稱應當依次由下列內容組成：“外國保險機構名稱”和“駐中國總代表處”。

　　The official title of the representative office shall be arranged in the following order: name of the foreign insurance institution + general representative office in China.

　　第十四條代表機構除主要負責人外，其他主要工作人員應當稱 “代表”、“副代表”。

　　Article 14 Except the principal responsible person, other major staff members shall be entitled “Representative” or “Deputy Representative”.

　　第十五條代表機構工作人員應當遵守中國的法律法規(guī)，品行良好，無不良記錄。

　　Article 15 Employees of representative office shall abide by Chinese laws and regulations, with high integrity and clean record.

　　第十六條總代表應當具備8年以上工作經(jīng)歷、大學專科以上學歷；

　　Article 16 A general representative shall have a work experience above 8 years and hold a junior college degree or a higher academic degree;

　　首席代表應當具備５年以上工作經(jīng)歷、大學?？埔陨蠈W歷。

　　a chief representative shall have a work experience above 5 years, and hold a junior college degree or a higher academic degree.

　　總代表和首席代表不具備大學?？埔陨蠈W歷的，應當具備10年以上保險從業(yè)經(jīng)歷。

　　Without a junior college degree, the general representative or chief representative shall have a work experience above 10 years in the insurance business.

　　第十七條每個代表機構的外籍工作人員最多不得超過3人。

　　Article 17 A maximum of three employees of foreign nationality are allowed in each representative office.

　　第十八條代表機構及其工作人員，不得與任何法人或者自然人簽訂可能給代表機構或者所代表的外國保險機構帶來收入的協(xié)議或者契約，也不得參與任何經(jīng)營性活動。

　　Article 18 A representative office and its employees shall not enter into any agreement or contract with any legal or natural persons, which might generate an income to the representative office or the foreign insurance institution it represents, and shall not be involved in business activities of any kind.

　　第十九條代表機構應當有獨立、固定的辦公場所和專職的工作人員。

　　Article 19 A representative office shall have official premises, necessary office facilities and full-time staff.

　　第二十條總代表或首席代表不得在2個以上代表機構中任職；也不得在中國境內任何經(jīng)營性機構中任職。

　　Article 20 The General Representative or Chief Representative shall not work in two or more representative offices or any business institution in China.

　　第二十一條總代表或者首席代表應當常駐代表機構主持日常工作，離開代表機構連續(xù)1個月以上的，應當指定專人代行其職，并書面報告當?shù)刂袊１O(jiān)會派出機構。

　　Article 21 The General Representative or Chief Representative shall attend to the daily activities of the representative office on a permanent basis. If he or she consecutively stays away from the representative office for a period or more than one month, he or she shall delegate his or her responsibility as the General Representative or Chief Representative to a person specially appointed, and submit a written report to the local branch office of CIRC.

　　第二十二條代表機構應當在每年２月底前向當?shù)刂袊１O(jiān)會派出機構報送上一年度的工作報告一式兩份，由中國保監(jiān)會派出機構轉報中國保監(jiān)會。

　　Article 22 A representative office shall submit two copies of its annual work report of the previous year before the end of each February to the CIRC’s local branch office, who shall then forward the report to CIRC’s head office.

　　工作報告應當按中國保監(jiān)會規(guī)定的格式填寫。

　　The work report shall follow the format prescribed by CIRC.

　　第二十三條代表機構每年在其代表的外國保險機構會計年度結束后的6個月內，應當分別向中國保監(jiān)會和當?shù)刂袊１O(jiān)會派出機構報送其所代表的外國保險機構上一年度的年報。

　　Article 23 A representative office shall submit the annual report of the foreign insurance institution it represents to both CIRC and CIRC’s local branch office within six months after the end of each accounting year of the foreign insurance institution.

　　第二十四條代表機構代表的外國保險機構有下列情形之一的，代表機構應當自事件發(fā)生之日起10日內，向中國保監(jiān)會提交書面報告，同時抄報當?shù)刂袊１O(jiān)會派出機構：

　　Article 24 If any following major event occurs in an insurance institution that has maintained a representative office in China, the representative office shall, within 10 days after the occurrence of the event, submit a written report to CIRC and copy the report to CIRC’s local branch office.

　?。ㄒ唬┕菊鲁?、注冊資本或者注冊地址變更；

　　(1) A change in its articles of association, register capital, and registered business address;

　　（二）分立、合并或者主要負責人變動；

　　(2) Division or merger or change of top management;

　?。ㄈ┙?jīng)營嚴重虧損；

　　(3) Serious losses resulted in business operation;

　?。ㄋ模┮蜻`法、違規(guī)行為受到處罰；

　　(4) Penalties imposed for violations of laws and regulations;

　?。ㄎ澹┩鈬ｋU機構所在國家或者地區(qū)的有關主管當局對其實施重大監(jiān)管措施；

　　(5) Major regulatory actions taken against it by the regulatory authorities of its home country or territory;

　?。?jīng)營有重大影響的其他事項。

　　(6) Other matters which may seriously disrupt business operation of the foreign insurance institution.

　　第二十五條代表機構更換總代表或者首席代表的，應當向中國保監(jiān)會申請，并提交下列材料：

　　Article 25 In case of changing a General Representative or Chief Representative, the representative office shall apply to CIRC, and submit the following documents:

　?。ㄒ唬┯善浯淼耐鈬ｋU機構董事長或者總經(jīng)理簽署的致中國保監(jiān)會主席的申請書；

　　(1) A letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution;

　?。ǘ┯善浯淼耐鈬ｋU機構董事長或者總經(jīng)理簽署的擬任總代表或者首席代表的授權書；

　　(2) Power of attorney of the proposed General Representative or chief representative signed by the Chairman of the Board of Directors or General Manager;

　?。ㄈM任總代表或者首席代表的身份證明、學歷證明和簡歷。

　　(3) Proof of personal identity certificates, certificate of academic degree and resume of the proposed General Representative or Chief Representative.

　　第二十六條代表機構撤銷的，應當由代表機構向中國保監(jiān)會申請，并提交由其所代表的外國保險機構董事長或者總經(jīng)理簽署的致中國保監(jiān)會主席的申請書。

　　Article 26 If a foreign insurance institution intends to terminate its representative office’s operation, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution.

　　第二十七條代表機構變更名稱，應當向中國保監(jiān)會申請，并提交由其所代表的外國保險機構董事長或者總經(jīng)理簽署的致中國保監(jiān)會主席的申請書以及相關更名證明。

　　Article 27 If a foreign insurance institution intends to change the name of its representative office, it shall submit a letter of application addressed to the Chairman of CIRC, and signed by its Chairman of the Board of Directors or General Manager of the concerned insurance institution, together with other relevant proving documents about the renaming.

　　第二十八條代表機構出現(xiàn)本辦法第二十五條、第二十六條、第二十七條規(guī)定情形向中國保監(jiān)會提出申請的，中國保監(jiān)會應當自收到完整申請材料之日起20日內，作出批準或者不予批準的決定。

　　Article 28 Under the situation stipulated in Article 25, Article 26, and Article 27, CIRC shall make a decision on whether to approve or disapprove of the application within 20 days from the date of receiving a complete set of application documents.

　　決定批準的，頒發(fā)批準書；決定不予批準的，應當書面說明理由。

　　If a decision of approval is made, it shall issue an approval document; if a decision of disapproval is made, it shall notify the applicant in writing and give the reasons.

　　第二十九條代表機構只能在所在城市的行政轄區(qū)內變更辦公地址。

　　Article 29 A representative office can change its office location within the same administrative area it resides only.

　　代表機構應當自變更辦公地址之日起5日內向當?shù)刂袊１O(jiān)會派出機構報告，并提交新辦公地址的電話和傳真號碼。

　　The concerned representative office shall submit CIRC’s local branch office of its new office address, telephone and fax numbers within 5 days from the date of changing.

　　第三十條代表機構更換或者增減代表、副代表、外籍工作人員，應當自更換或者增減人員之日起5日內向當?shù)刂袊１O(jiān)會派出機構報告，并提交被任命人員的身份證明、學歷證明和簡歷。

　　Article 30 In case of changing, increasing or reducing the number of Representatives, Deputy Representatives, or foreign employees, the concerned representative office shall report to CIRC’s local branch office within 5 days from the date of changing, and submit the proof of personal identity certificates, certificate of academic degree and resume of the nominated personnel.

　　第三十一條代表處經(jīng)批準變更為總代表處的，原代表處自動撤銷，總代表處應當自中國保監(jiān)會批準變更之日起1個月內辦理代表處的工商注銷手續(xù)。

　　Article 31 When a representative office is approved to be changed to a general representative office, the original representative office is cancelled automatically. The general representative office shall apply to the State Administration of the Industry and Commerce for cancellation of the registration of the representative office within one month from the date of CIRC’s approval within one month from the date of CIRC’s approval.

　　第三十二條外國保險機構的代表處撤銷后，總代表處是其惟一駐華代表機構的，總代表處應當將總代表處變更為代表處。

　　Article 32 If a general representative office is the only representative office in China after the insurance institution it represents withdraws all other representative offices, the general representative office shall be changed into a representative office.

　　總代表處應當向中國保監(jiān)會提出變更申請，并提交由其所代表的外國保險機構董事長或者總經(jīng)理簽署的申請書。

　　The general representative office shall apply to CIRC by submitting an application letter regarding such change signed by the Chairman of the Board of Directors or General Manager of the concerned foreign insurance institution.

　　中國保監(jiān)會應當自收到申請書之日起20日內，作出批準或者不予批準的決定。

　　Within 20 days from the date of receiving the application letter, CIRC shall make a decision on whether or not to approve.

　　決定批準的頒發(fā)批準書；決定不予批準的應當書面說明理由。

　　If CIRC decides to accept the application, it shall issue an approval document; in case of disapproval, CIRC shall state reasons in a written document.

　　總代表處經(jīng)批準變更為代表處的，總代表處自動撤銷，代表處應當自中國保監(jiān)會批準變更之日起1個月內辦理總代表處的工商注銷手續(xù)。

　　When a general representative office is approved to be changed to a representative office, the original general representative office is cancelled automatically. The representative office shall apply to the State Administration of the Industry and Commerce for cancellation of its registration within one month from the date of CIRC’s approval.

　　第三十三條代表處撤銷后，其代表的外國保險機構設有總代表處的，由總代表處負責未了事宜；

　　Article 33 After a representative office of the foreign insurance institution is terminated by the CIRC, all the issues left unsettled shall be taken over and handled by its general representative office in China;

　　沒有設立總代表處的，由其代表的外國保險機構的其他代表處負責未了事宜；

　　if there is no such a general representative office, responsibilities on all issues left unsettled shall be taken over and handled by the foreign insurance institution’s other representative offices in China;

　　其代表的外國保險機構的所有代表機構均已撤銷的，由其代表的外國保險機構負責未了事宜。

　　if there is no any other representative office in China, responsibilities on all issues left unsettled shall be borne by the foreign insurance institution itself.

　　第三十四條中國保監(jiān)會及其派出機構依法對代表機構進行日常和年度檢查。日常和年度檢查的內容包括：

　　Article 34 CIRC and its local branch offices conduct general supervision and annual inspection over the representative offices of foreign institutions in regard to the following issues:

　　（一）代表機構變更事項的手續(xù)是否完備；

　　(1) The completeness of the procedures for the changes made by the representative office;

　　（二）各項申報材料的內容與實際情況是否相符；

　　(2) The truthfulness of the documents and materials submitted to CIRC;

　　（三）代表機構工作人員的任用或者變更手續(xù)是否完備；

　　(3) The completeness of the procedures for the appointments or changes of staff members of representative offices;

　?。ㄋ模┐頇C構是否從事經(jīng)營性活動；

　　(4) Whether or not representative offices are conducting business activities;

　　（五）中國保監(jiān)會及其派出機構認為需要檢查的其他事項。

　　(5) Other items required by CIRC and its local branch offices.

　　第四章法律責任

　　Chapter Ⅳ Legal Liability

　　第三十五條違反本辦法，未經(jīng)批準擅自設立代表機構的，中國保監(jiān)會依法予以取締。

　　Article 35 Any representative office established without approval, in violation of certain provisions of these Rules, shall be banned by CIRC in accordance with law.

　　第三十六條違反本辦法規(guī)定從事保險經(jīng)營活動的，由中國保監(jiān)會按照有關法律、法規(guī)的規(guī)定予以處罰；

　　Article 36 If a representative office is engaged in financial business activities in violation of these Rules, it shall be punished by CIRC in line with relevant laws and regulations.

　　從事保險業(yè)以外經(jīng)營性活動的，由中國保監(jiān)會給予警告，情節(jié)嚴重的，處以3萬元以下的罰款。

　　If a representative office is engaged in profit-seeking operational activities other than insurance business, it shall be imposed a disciplinary warning or a fine below RMB 300,000 yuan.

　　第三十七條未按規(guī)定提交本辦法第二十二條、第二十三條、第二十四條要求的報告或者材料的，由當?shù)刂袊１O(jiān)會派出機構給予警告，責令改正。

　　Article 37 If a representative office fails to submit relevant reports or documents as stipulated in Article 22, 23, 24 of these Rules to CIRC, it shall be imposed a warning and ordered to make correction by CIRC’s local branch office.

　　第三十八條對違反本辦法的行為負有直接責任的代表機構工作人員，由中國保監(jiān)會根據(jù)情節(jié)輕重，處以警告，單處或者并處5000元以下的罰款。

　　Article 38 Employees of a representative office being with direct responsibility for activities violating these Rules shall be imposed by CIRC with a disciplinary warning and /or a fine below RMB 5000 yuan, according to the seriousness of the cases.

　　第三十九條代表機構提供虛假信息或者隱瞞重要事實的，給予警告。

　　Article 39 CIRC may issue a disciplinary warning to a representative office involved in providing false information or concealing important facts.

　　第四十條違反本辦法其他規(guī)定的，責令改正；逾期未改正的，給予警告。

　　Article 40 CIRC may order the representative offices, found in violation of other provisions stipulated in these Rules, to make corrections; those who do not make corrections within a prescribed time period shall be issued a disciplinary warning.

　　第五章附則

　　Chapter Ⅴ Supplementary Provisions

　　第四十一條香港、澳門和臺灣地區(qū)的保險機構在內地設立的代表機構，比照適用本辦法。

　　Article 41 These Rules shall, mutatis mutandis, apply to the representative offices established in the mainland by insurance institutions from the Hong Kong Special Administrative Region, the Macao Special Administrative Region, and Taiwan region.

　　第四十二條經(jīng)中國保監(jiān)會批準設立的外國保險機構駐華辦事處，比照適用本辦法。

　　Article 42 These Rules shall, mutatis mutandis, apply to the resident offices of foreign insurance institutions approved to establish in China by CIRC.

　　第四十三條本辦法所稱“以上”、“以下”、“以內”，包括本數(shù)。

　　Article 43 The terms “above”, “below” and “within” used to indicate a threshold number shall include the number itself.

　　第四十四條本辦法有關批準、報告期間的規(guī)定是指工作日，不含節(jié)假日。

　　Article 44 The approval and reporting periods prescribed in these Rules concerning licensing and reporting periods refer to working days, which exclude weekends and public holidays.

　　第四十五條本辦法由中國保監(jiān)會負責解釋。

　　Article 45 CIRC shall be responsible for the interpretation of these Rules.

　　第四十六條本辦法自2004年3月1日起施行。中國保監(jiān)會1999年11月26日發(fā)布的《外資保險機構駐華代表機構管理辦法》同時廢止。

　　Article 46 These Rules shall be effective as of March 1, 2004, and the Rules on Administration of Representative Offices of Foreign Insurance Institutions, issued by CIRC on November 26, 1999 shall be repealed simultaneously.