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中国保险监督管理委员会发布《保险公司管理规定》
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中国保险监督管理委员会（简称〝保监会〞）于2009年9月18日发布了《保险公司管理规定》（简称〝《规定》〞），于2009年10月1日实施。
《规定》提高了保险公司的准入门槛。在法人机构设立条件上，根据《规定》，设立保险公司时其股东必须符合法律、行政法规和保监会的规定。在分支机构设立条件上，《规定》除要求保险公司满足〝上一年度偿付能力充足〞以外，还要求申请前连续两个季度偿付能力充足。《规定》对分支机构申请人、省级分公司、省级分公司以外其他分支机构也分别提出了合规性要求（例如：申请设立省级分公司以外其他分支机构，在拟设地所在的省、自治区、直辖市内，省级分公司最近2年内无受金融监管机构重大行政处罚的记录，而已设立的其他分支机构最近6个月内无受重大保险行政处罚的记录）。此外，《规定》亦要求保险公司必须具备良好的公司治理结构和内控健全。
《规定》强化了对保险公司分支机构的内部管控和外部监管，要求保险公司应当制定分支机构管理制度，强化上级机构对下级机构的管控，以及要求分支机构应当配备必要的人员、设备，和负责人应当是签订劳动合同的正式员工等。对保险公司频繁撤销分支机构和频繁变更分支机构营业场所的情形，可能对被保险人合法权益保护和公司经营造成不利影响的，《规定》规定了监管机构有权采取相应措施（例如：出示重大风险提示函，或者对有关人员进行监管谈话）。
《规定》亦明确了对保险业营销服务部的监管要求。《规定》将营销服务部纳入保险公司分支机构序列进行统一监管，不要求现有的营销服务部按照新的分支机构准入条件重新申请设立，但应当符合《规定》对分支机构的日常监管要求。不符合规定的，应在两年时间内进行整改。
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China Insurance Regulatory Commission Issued Provisions for Administration of Insurance Companies
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The China Insurance Regulatory Commission (“CIRC”), on September 18, 2009, issued the Provisions for Administration of Insurance Companies (the “Provisions”), which took effect as of October 1, 2009.
The Provisions have enhanced the entry requirement for the establishment of insurance companies. With respect to the requirement for setting up an insurance company, the Provisions set out that shareholders of the proposed insurance company must meet the requirements under the laws, administrative regulations and CIRC’s rules for the purpose of establishing such insurance company. With respect to the requirement for setting up a branch of the insurance company (the “Branch”), the Provisions require the insurance company to be sufficiently solvent in not only the previous year but also the two consecutive quarters immediately preceding the application for setting up such Branch. The Provisions also require regulatory compliance by Branch applicants, provincial Branches and Branches other than provincial Branches respectively (e.g., the provincial Branch in the province, autonomous region and municipality in which the Branch other than the provincial Branch is proposed to be set up has not been subject to any serious administrative penalty by the financial regulatory authority in the past 2 years, and the Branches other than provincial Branches that were already set up have not been subject to any serious administrative penalty by the insurance authority in the past 6 months.). Furthermore, the Provisions also stipulate that insurance companies must have good corporate governance mechanism and sound internal control.
The Provisions have strengthened the regulation over the internal control and external supervision of Branches, and require that insurance companies establish a management system for their Branches so as to reinforce the management by the superior entities over the subordinate entities. The Provisions also require that Branches be equipped with necessary personnel and equipment, and that the responsible person of Branches be the official employee under the labor contract. If insurance companies frequently cancel their Branches and change the business addresses of their Branches, which may adversely affect the protection of the insured’s legitimate interests and the companies’ operations, the Provisions stipulate that regulatory authorities are entitled to take corresponding measures (e.g., issuing notice of major risks, or arranging supervisory conversation with relevant persons.).
The Provisions have also clarified the supervisory requirements for the sales agent in the insurance industry. Rather than requiring the existing sales agents to re-apply for incorporation according to the new entry requirements for setting up a Branch, the Provisions have included sales agents into the Branch and implemented uniform supervision. However, sales agents should comply with the supervisory requirements for the Branch under the Provisions. Non-complying sales agents should rectify themselves within two years.
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国家工商行政管理总局发布《注册商标专用权质权登记程序规定》 |
2009年9月24日，国家工商行政管理总局发布《注册商标专用权质权登记程序规定》（〝《规定》〞），自2009年11月1日起施行。
《规定》规定自然人、法人或者其他组织以其注册商标专用权出质的，出质人与质权人应订立书面合同，并向商标局办理质权登记。质权登记申请应由质权人和出质人共同提出。质权人和出质人可以直接向商标局申请，也可以委托商标代理机构代理。在中国没有经常居所或者营业场所的外国人或者外国企业应当委托代理机构办理。
《规定》特别规定了办理注册商标专用权质权登记，出质人应将在相同或者类似商品/服务上注册的相同或者近似商标一并办理质权登记。
另外，《规定》罗列了注册商标专用权质权登记的申请文件，并规定了商标局的登记期限为自登记之日起5个工作日。
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State Administration for Industry and Commerce Issued Provisions on Registration Procedures for Pledge of Exclusive Right of Registered Trademarks |
The State Administration for Industry and Commerce, on September 24, 2009, issued the Provisions on Registration Procedures for Pledge of Exclusive Right of Registered Trademarks (the “Provisions”), which will take effect as of November 1, 2009.
The Provisions stipulate that, where a natural person, legal person or other entity pledges the exclusive right of his/her/its registered trademark, the pledgor and the pledgee shall sign a written contract and register the pledge at the Trademark Office. The application for the registration of the pledge shall be filed jointly by both the pledgor and the pledgee. The pledgor and the pledgee may file the application to the Trademark Office directly, or retain trademark agencies to file on their behalf. Foreign nationals or foreign enterprises without residence or business address in China should retain trademark agencies to file the application.
The Provisions specifically provide that, when registering the pledge of the exclusive right of the registered trademark, the pledgor shall also register the pledge of the same or similar trademark registered under the same or similar goods/services.
In addition, the Provisions list out the application documents for registering the pledge of the exclusive right of the registered trademark and prescribe that the Trademark Office shall register the pledge within five working days from the date of the filing for registration.
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国家外汇管理局发布《合格境外机构投资者境内证券投资外汇管理规定》
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2009年9月29日，国家外汇管理局发布《合格境外机构投资者境内证券投资外汇管理规定》（〝《规定》〞），对合格境外机构投资者（〝合格投资者〞）境内证券投资的投资额度、资金账户、资金收付及汇兑等事项作出具体规定。《规定》于发布之日起施行。
依据《规定》，国家对合格投资者的境内证券投资实行额度管理。国家外汇管理局批准单个合格投资者的投资额度，鼓励中长期投资。单个合格投资者申请投资额度每次不得低于等值5,000万美元，累计不得高于等值10亿美元。合格投资者在上次投资额度获批后1年内不得再次提出增加投资额度的申请。养老基金、保险基金、共同基金、慈善基金、捐赠基金、政府和货币管理当局等类型的合格投资者，以及合格投资者发起设立的开放式中国基金（是指在境外以公募形式发起设立，且至少70%以上基金资产投资于中国境内的开放式证券投资基金）的投资本金锁定期（是指禁止合格投资者将投资本金汇出境外的期限）为3个月；其他合格投资者的投资本金锁定期为1年。
合格投资者应当委托其境内托管人代为办理《规定》所要求的相关手续，包括账户开立、汇兑、汇出收益等。
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State Administration of Foreign Exchange Promulgated Provisions for Administration of Foreign Exchange in Investment by Qualified Foreign Institutional Investors in Domestic Stock Market
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On September 29, 2009, the State Administration of Foreign Exchange (“SAFE”) promulgated the Provisions for Administration of Foreign Exchange in Investment by Qualified Foreign Institutional Investors in Domestic Stock Market (the “Provisions”), providing specific provisions on the investment quota, accounts, payment and receipt of funds and currency exchange with respect to the investment in the domestic stock market by the qualified foreign institutional investor (“QFII”). The Provisions took effect as of the day of promulgation.
According to the Provisions, the State implements the investment quota for the investment in domestic stock market by QFIIs. The SAFE approves the investment quota assigned to each individual QFII and encourages med- and long-term investments. The investment quota applied by each individual QFII shall not be lower than US$ 50 million in each application, and shall not exceed US$ 1 billion on the cumulative basis. A QFII shall not apply for increase of investment quota within 1 year after the previous investment quota is approved. Any QFII in form of pension fund, insurance fund, mutual fund, charity fund, endowment fund, government and currency management authority, as well as the open-ended China funds established by QFIIs (i.e., open-ended securities investment funds incorporated overseas by way of public offering, and at least 70% of their assets are invested in China) shall be subject to a lock-up period (i.e., the period during which QFIIs are prohibited from transferring their investment principal overseas) of 3 months. The lock-up period for other QFIIs is 1 year.
QFIIs should retain their onshore trustees to complete the relevant procedures stipulated in the Provisions, including the opening of accounts, currency exchange and remittance of profits, etc.
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国家外汇管理局发布《关于基金管理公司和证券公司境外证券投资外汇管理有关问题的通知》
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2009年9月29日，国家外汇管理局发布《关于基金管理公司和证券公司境外证券投资外汇管理有关问题的通知》（〝《通知》〞），自发布之日起执行。
《通知》规定，国家外汇管理局及其分支局负责境内基金管理公司和证券公司（下称〝证券经营机构〞）境外证券投资额度、外汇账户及汇兑实施监督、管理和检查。具备经营外汇业务资格的证券经营机构开展境外证券投资业务，应向国家外汇管理局申请投资额度。国家外汇管理局对投资额度实行余额管理，证券经营机构境外证券投资净汇出额不得超过经批准的投资额度。证券经营机构不得以任何形式转让或转卖投资额度给其他机构使用。证券经营机构可募集境内投资者的外汇资金，也可募集境内投资者的人民币资金购汇进行境外证券投资。境内投资者不得以外币现钞形式投资证券经营机构发行的相关产品（即经中国证监会许可的相关境外证券投资产品）。境内托管人应凭国家外汇管理局投资额度批准文件为证券经营机构的相关产品开立境内托管账户，并将账户开立情况和托管协议向托管人所在地外汇局报备。
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State Administration of Foreign Exchange Promulgated Circular on Issues Regarding Foreign Exchange Administration of Investment in Overseas Securities by Fund Management Companies and Securities Companies |
On September 29, 2009, the State Administration of Foreign Exchange (“SAFE”) promulgated the Circular on Issues Regarding Foreign Exchange Administration of Investment in Overseas Securities by Fund Management Companies and Securities Companies (the “Circular”), effective as of the same day.
According to the Circular, SAFE and its branches are in charge of the supervision, regulation and inspection of the investment quota, foreign exchange accounts and remittance relating to the investment in overseas securities by domestic fund management companies and securities companies (collectively, the “Securities Operating Entities”). The Securities Operating Entities qualified to conduct business in foreign exchange shall apply to SAFE for an investment quota prior to the launch of operation in their investment in overseas securities. SAFE implements its regulation of investment quota with reference to the balance, i.e., the net amount remitted by the Securities Operating Entities shall not exceed the investment quota duly approved by SAFE. The investment quota shall not be transferred or sold to any other entity in any manner by the relevant Securities Operating Entities. The Securities Operating Entities can raise funds from the foreign currencies of the domestic investors, or purchase foreign currency with the RMB raised from the domestic investors, to invest in overseas securities. The domestic investors shall not invest in any relevant products of the Securities Operating Entities (i.e., the overseas securities investment products approved by the China Securities Regulatory Commission) with foreign currencies in cash. The domestic trustees shall open the domestic trust account for the relevant products of the Securities Operating Entities with the approval documents issued by SAFE with respect to the investment quota, and file the relevant account information together with the trusteeship agreement for records with the local foreign exchange authority where the trustee is located.
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商务部附条件批准美国通用汽车公司收购德尔福公司、辉瑞公司收购惠氏公司两起经营者集中申报
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2009年9月28日及2009年9月29日，商务部分别附条件批准了美国通用汽车公司收购德尔福公司、辉瑞公司收购惠氏公司的经营者集中申报。
对于美国通用汽车公司收购德尔福公司的申报，商务部认为，美国通用汽车公司在全球和中国市场具有领先地位，德尔福公司在全球和中国汽车零部件市场具有领先地位和呈增长态势，虽然双方在产品和业务方面没有横向重叠，但在上下游市场中存在纵向关系，此项经营者集中可能具有限制、排除竞争的效果。
商务部接受集中双方提出的解决条件，附条件批准了该项经营者集中申请。所附条件主要为：(1) 德尔福公司及其控股和实际控制的关联企业将继续对国内汽车商无歧视性地供货；(2) 美国通用汽车公司不得非法寻求、德尔福公司不得非法披露、及双方不得以正式或非正式的方式相互交换和沟通德尔福公司掌握的国内其他汽车厂商的竞争性保密信息；(3) 德尔福公司及其控股和实际控制的关联企业应配合客户平稳转换供应商；(4) 美国通用汽车公司应当对其所有汽车零部件的采购遵循无歧视采购原则，不得专门制定对德尔福公司有利而对其他供应商不利的不合理条件。
对于辉瑞公司收购惠氏公司的申报，商务部认为集中将对中国猪支原体肺炎疫苗市场产生限制竞争的效果。商务部接受集中双方提出的解决条件，附条件批准了该项经营者集中申请。所附条件主要为要求辉瑞公司剥离在中国境内（指中国大陆地区，不包括香港、澳门和台湾）辉瑞旗下品牌为瑞倍适（Respisure）及瑞倍适-旺（Respisure One）的猪支原体肺炎疫苗业务，被剥离的业务包括确保该剥离业务存活性和竞争性所需要的有形资产和无形资产（包括知识产权）。
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Ministry of Commerce Issued Conditional Approval of Combined Businesses Concentration Application by General Motors for Acquisition of Delphi and by Pfizer for Acquisition of Wyeth
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On September 28 and September 29, 2009, the Ministry of Commerce (“MOC”) issued conditional approval of the combined businesses concentration application filed by General Motors (“GM”) for its acquisition of Delphi and by Pfizer for its acquisition of Wyeth, respectively.
In regards to the application by GM for its acquisition of Delphi, GM is considered by MOC as a leader in both the global and Chinese markets, and Delphi is considered as a leader with growing status in both the global and Chinese auto-parts markets. Although the two companies do not have horizontal synergy with respect to the products and business, they exhibit a vertical integration in the market. Such combined businesses concentration may have a restricting and adverse effect on competition.
MOC accepted the terms of reconciliation provided by GM and Delphi, and conditionally approved their combined businesses concentration application. The conditions are mainly as follows: (1) Delphi, its subsidiaries and associated entities under its actual control shall continue to supply products to domestic automobile corporations without any discrimination; (2) GM shall not illegally seek, Delphi shall not illegally disclose, and the two companies shall not officially or unofficially exchange or communicate, competition-related confidential information of the other domestic automobile corporations possessed by Delphi; (3) Delphi, its subsidiaries and associated entities under its actual control shall coordinate with their customers to ensure a smooth change of their suppliers; (4) GM shall observe a no-discrimination principle in all purchasing activities of its auto-parts department, and shall not specifically create unreasonable conditions advantageous to Delphi but disadvantageous to other suppliers.
In regards to the combined businesses concentration application by Pfizer for its acquisition of Wyeth, MOC considers the combined businesses concentration to have restricting effects on the market competition for swine flu vaccines. MOC accepted the terms of reconciliation provided by the two companies, and conditionally approved their combined businesses concentration application. The conditions mainly stipulate that Pfizer shall spin off from China (i.e., mainland China, excluding Hong Kong, Macao and Taiwan) its swine flu vaccines business involving Respisure and Respisure One under Pfizer’s brand name, and the business to be spun-off includes tangible and intangible assets (including intellectual property rights) which are required for ensuring the survival and competitiveness of such spun-off business.
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最高人民法院发布《关于适用中华人民共和国保险法若干问题的解释（一）》
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最高人民法院于2009年9月21日颁布《关于适用中华人民共和国保险法若干问题的解释（一）》（以下称〝解释〞），该解释于2009年10月1日起生效。该解释是为解决保险法在2009年10月1日实施后，人民法院在审理保险合同纠纷案件中如何适用新法的问题，以统一裁判标准。
该解释对审理保险合同纠纷的新旧法适用、认定保险合同效力适用的法律、新法施行后保险人行使解除权及核定保险责任的期间都作以规定。主要内容包括：
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（1）
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保险法实施后成立的保险合同，适用保险法的规定。保险法实施前成立的保险合同发生的纠纷，除解释另有规定外，适用当时的法律规定。认定保险合同是否成立，适用合同订立时的法律。
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（2）
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对于保险法施行前成立的保险合同，适用当时的法律无效而是用保险法认定有效的，适用保险法的规定。
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（3）
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保险合同成立于保险法施行前，而保险标的转让、保险事故、理赔、代位求偿等行为或事件发生于保险法施行后的，适用保险法的规定。
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（4）
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保险合同成立于保险法施行前，保险法施行后，保险人以投保人未履行如实告知义务或者申报被保险人年龄不真实为由，主张解除合同的，适用保险法的规定。
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Supreme People’s Court Issued Interpretation of Certain Issues Concerning PRC Insurance Law (1) |
On September 21, 2009, the Supreme People’s Court issued the Interpretation of Certain Issues Concerning PRC Insurance Law (1) (the “Interpretation”), which took effect as of October 1, 2009. The Interpretation was issued to address the question as to how People’s Courts should apply the new Insurance Law when reviewing disputes arising from insurance contracts (the “Disputes”) after it took effect as of October 1, 2009 (the “New Insurance Law”), and thus unified the standards for reviewing the Disputes.
The Interpretation has provided regulations governing the applicability of both the previous Insurance Law and the New Insurance Law when reviewing Disputes, the governing law for determining the effectiveness of the insurance contracts, and the right of the insurer to terminate the insurance contracts and the determination of the period of the insurance coverage after the New Insurance Law came into effect (the “Effective Date”). These mainly include:
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(1)
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The New Insurance Law will apply to the insurance contracts which are effective after the Effective Date. For Disputes where the insurance contracts were effective before the Effective Date, the law and regulations prevailing at the time when such insurance contracts took effect (unless otherwise provided in the Interpretation) will apply. The law and regulations prevailing at the time when insurance contracts were executed will apply for the purpose of determining whether such insurance contracts are effective.
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(2)
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In the event that the insurance contract executed before the Effective Date is ineffective under the law and regulations prevailing at the time of execution but is effective under the New Insurance Law, the New Insurance Law will apply.
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(3)
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Where the insurance contract was effective before the Effective Date, but the related acts or events (such as transfer of insured items, the occurrence of insured events, insurance compensation and subrogate claim) occur after the Effective Date, the New Insurance Law will apply.
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(4)
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Where the insurance contract was effect before the Effective Date, and the insurer proposes to terminate such insurance contract after the Effective Date on the ground that the insured has failed to perform its obligations of disclosure and notification or that the age of the insured is untrue, the New Insurance Law will apply.
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