????catalogue
????Chapter I General Provisions
????Chapter II Insurance Contracts
????????Section 1 General Provisions

????????Section 2 Personal Insurance Contract

????????Section 3 Property Insurance Contract

????Chapter III Insurance Companies
????Chapter IV Insurance Operating Rules
????Chapter V Insurance Agents and Insurance Brokers

????Chapter VI Supervision and Administration of Insurance Industry
????Chapter VII Legal Liability
????Chapter VIII Supplementary Provisions
????Chapter I General Provisions
????Article 1 This Law is formulated for the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties involved in insurance activities, strengthening the supervision and management of the insurance industry, maintaining social and economic order and social public interests, and promoting the healthy development of the insurance industry.

????Article 2 The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for compensation for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

????Article 3 This Law shall apply to insurance activities within the territory of People’s Republic of China (PRC).
????Article 4 Insurance activities must abide by laws and administrative regulations, respect social morality, and may not harm public interests.

????Article 5 The parties to insurance activities shall follow the principle of good faith in exercising their rights and performing their obligations.

????Article 6 Insurance business is operated by insurance companies established in accordance with this Law and other insurance organizations stipulated by laws and administrative regulations. No other unit or individual may engage in insurance business.

????Article 7 Where legal persons and other organizations in People’s Republic of China (PRC) need to apply for domestic insurance, they shall apply for insurance with insurance companies in People’s Republic of China (PRC).

????Article 8 The insurance industry, the banking industry, the securities industry and the trust industry shall operate and manage separately, and insurance companies shall be established separately from banks, securities and trust institutions. Unless otherwise stipulated by the state.

????Article 9 the State Council insurance supervision and administration institutions shall supervise and administer the insurance industry according to law.

????The State Council insurance supervision and management institutions shall set up dispatched offices according to the needs of performing their duties. The dispatched offices shall perform their duties of supervision and administration in accordance with the authorization of the the State Council Insurance Regulatory Authority.

????Chapter II Insurance Contracts

????Section 1 General Provisions
????Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations.

????The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.
????An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits in accordance with the contract.

????Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.

????Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.
????Article 12 The applicant of life insurance shall have an insurable interest in the insured when concluding an insurance contract.

????The insured of property insurance shall have an insurable interest in the subject matter insured when an insured accident occurs.
????Personal insurance is an insurance that takes the life and body of a person as the subject matter of insurance.
????Property insurance is insurance with property and its related interests as the subject matter.
????The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

????Insurable interest refers to the legally recognized interest of the applicant or the insured in the subject matter of insurance.
????Article 13 An insurance contract is formed when the applicant requests insurance and the insurer agrees to underwrite it. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time.

????An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to specify the contents of the contract in other written forms.

????An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.

????Article 14 After an insurance contract is concluded, the applicant pays the insurance premium as agreed, and the insurer begins to assume the insurance liability at the agreed time.

????Article 15 Unless otherwise stipulated in this Law or in the insurance contract, after the insurance contract is established, the applicant may terminate the contract, and the insurer may not terminate the contract.

????Article 16 When an insurance contract is concluded, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform it.

????If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer’s decision on whether to agree to underwrite or increase the insurance premium rate, the insurer has the right to terminate the contract.

????The right to terminate the contract stipulated in the preceding paragraph shall be extinguished if it is not exercised for more than 30 days from the date when the insurer becomes aware of the reasons for termination. If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

????If the applicant intentionally fails to perform the obligation of telling the truth, the insurer shall not be liable for compensation or payment of insurance premium for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

????If the insured fails to fulfill the obligation of telling the truth due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance benefits for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

????The insurer may not terminate the contract if it has been known at the time of conclusion of the contract that the applicant has not truthfully informed it; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

????An insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract.
????Article 17 Where an insurance contract is concluded with standard clauses provided by the insurer, the application form provided by the insurer to the applicant shall be accompanied by standard clauses, and the insurer shall explain the contents of the contract to the applicant.

????With regard to the clauses in the insurance contract exempting the insurer from liability, the insurer shall, when concluding the contract, make a prompt on the application form, insurance policy or other insurance documents that can attract the attention of the insured, and make a clear explanation to the insured in written or oral form; If it is not prompted or clearly stated, this clause will not be effective.

????Article 18 An insurance contract shall include the following items:
????(1) The name and domicile of the insurer;
????(2) The names and domiciles of the applicant and the insured, and the names and domiciles of the beneficiaries of life insurance;

????(3) the subject matter insured;
????(4) Insurance liability and exemption from liability;
????(5) The insurance period and the start time of insurance liability;
????(6) the insured amount;
????(seven) insurance premiums and payment methods;
????(8) Measures for compensation or payment of insurance money;
????(9) Liability for breach of contract and dispute settlement;
????(10) The year, month and day when the contract was concluded.
????The applicant and the insurer may agree on other matters related to insurance.
????Beneficiary refers to the person who has the right to claim for insurance money designated by the insured or the applicant in the life insurance contract. The applicant and the insured may be the beneficiaries.

????The insured amount refers to the maximum amount of the insurer’s liability for compensation or payment of insurance benefits.
????Article 19 The following clauses in an insurance contract concluded with standard clauses provided by the insurer are invalid:

????(1) Exempting the insurer from its obligations according to law or increasing the liability of the applicant and the insured;
????(2) excluding the rights enjoyed by the applicant, the insured or the beneficiary according to law.
????Article 20 The applicant and the insurer may change the contents of the contract through consultation.
????Where an insurance contract is changed, the insurer shall annotate or attach an endorsement to the insurance policy or other insurance documents, or the applicant and the insurer shall conclude a written agreement on the change.

????Article 21 The applicant, the insured or the beneficiary shall notify the insurer in time after knowing the occurrence of the insured accident. If the nature, cause and loss degree of the insured accident are difficult to determine due to intentional or gross negligence, the insurer shall not be liable for compensation or payment of insurance benefits for the uncertain part, except that the insurer has known or should have known the occurrence of the insured accident in time through other means.

????Article 22 After the occurrence of an insured accident, when requesting the insurer to compensate or pay the insurance money according to the insurance contract, the applicant, the insured or the beneficiary shall provide the insurer with the certificates and materials that they can provide to confirm the nature, cause and loss degree of the insured accident.

????In accordance with the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.

????Article 23 An insurer shall, after receiving a request for compensation or payment of insurance benefits from the insured or beneficiary, make a timely verification; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For those who are insured, they shall perform the obligation of compensation or payment of insurance benefits within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits in accordance with the agreement.

????If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money.

????No unit or individual may illegally interfere with the insurer’s obligation to pay compensation or insurance benefits, nor may it restrict the right of the insured or beneficiary to obtain insurance benefits.

????Article 24 After the insurer has made the verification in accordance with the provisions of Article 23 of this Law, it shall, within three days from the date of making the verification, issue a notice of refusal to pay compensation or insurance benefits to the insured or beneficiary, and explain the reasons.

????Article 25 If the insurer cannot determine the amount of compensation or payment of insurance benefits within 60 days from the date of receiving the request for compensation or payment of insurance benefits and relevant certificates and materials, it shall pay in advance the amount that can be determined according to the existing certificates and materials; After the insurer finally determines the amount of compensation or insurance payment, it shall pay the corresponding difference.

????Article 26 The limitation of action for the insured or beneficiary of insurance other than life insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knows or should know the occurrence of the insured accident.

????The limitation of action for the insured or beneficiary of life insurance to ask the insurer to pay the insurance money is five years, counting from the day when he knows or should know that the insurance accident happened.

????Article 27 If there is no insured accident, and the insured or beneficiary falsely claims that there is an insured accident, the insurer has the right to terminate the contract without returning the insurance premium.

????If the applicant or the insured intentionally creates an insured accident, the insurer has the right to terminate the contract and is not liable for compensation or payment of insurance benefits; Except as provided in Article 43 of this Law, the insurance premium will not be refunded.

????After the occurrence of an insured accident, if the applicant, the insured or the beneficiary fabricates a false cause of the accident or exaggerates the degree of loss with forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance benefits for the falsely reported part.

????If the applicant, the insured or the beneficiary commits one of the acts specified in the preceding three paragraphs, causing the insurer to pay the insurance premium or expenses, it shall return or compensate.

????Article 28 Reinsurance is when an insurer partially transfers its insurance business to other insurers in the form of reinsurance.

????At the request of the reinsurer, the reinsurer shall inform the reinsurer in writing of its own responsibility and the relevant information of the original insurance.

????Article 29 The reinsurer shall not ask the applicant of the original insurance to pay the insurance premium.

????The insured or beneficiary of the original insurance shall not make a claim for compensation or payment of insurance money to the reinsurance acceptor.
????The cedant of reinsurance shall not refuse to perform or delay the performance of its original insurance liability on the grounds that the reinsurer fails to perform the reinsurance liability.

????Article 30 In case of any dispute between the insurer and the applicant, the insured or the beneficiary over the terms of an insurance contract concluded with standard terms provided by the insurer, it shall be interpreted according to the usual understanding. If there are more than two interpretations of the terms of the contract, the people’s court or arbitration institution shall make an interpretation in favor of the insured and the beneficiary.

????Section 2 Personal Insurance Contract
????Article 31 An applicant has an insurable interest in the following persons:
????(1) I;
????(2) Spouses, children and parents;
????(3) Other family members and close relatives who have the relationship of support or maintenance with the applicant other than those mentioned in the preceding paragraph;
????(4) Laborers who have labor relations with the insured.
????Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.

????When concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid.
????Article 32 If the age of the insured declared by the applicant is not true, and its true age does not meet the age limit stipulated in the contract, the insurer may terminate the contract and return the cash value of the insurance policy according to the contract. The provisions of paragraphs 3 and 6 of Article 16 of this Law shall apply to the insurer’s exercise of the right to terminate the contract.

????If the age of the insured declared by the applicant is not true, resulting in the insurance premium paid by the applicant being less than the insurance premium payable, the insurer has the right to correct and require the applicant to pay the insurance premium, or pay the insurance premium according to the proportion of the actually paid insurance premium to the insurance premium payable.

????If the age of the insured declared by the applicant is untrue, resulting in the insured paying more insurance premiums than the insurance premiums payable, the insurer shall return the overcharged insurance premiums to the applicant.

????Article 33 An applicant shall not insure a person with no capacity for civil conduct with death as the condition for payment of insurance benefits, nor shall an insurer underwrite it.

The personal insurance that parents take out for their minor children shall not be restricted by the provisions of the preceding paragraph. However, the sum of the insurance benefits paid due to the death of the insured shall not exceed the limit set by the the State Council Insurance Regulatory Authority.

????Article 34 A contract in which death is the condition for payment of insurance benefits is invalid without the consent and approval of the insured.

An insurance policy issued under a contract with death as the condition for payment of insurance benefits may not be transferred or pledged without the written consent of the insured.
The personal insurance that parents take out for their minor children shall not be restricted by the provisions of the first paragraph of this article.
????Article 35 The applicant may pay the insurance premium to the insurer in one lump sum or in installments as agreed in the contract.

????Article 36 The contract stipulates that the insurance premium shall be paid in installments. After the applicant pays the initial premium, unless otherwise stipulated in the contract, if the applicant fails to pay the current premium for more than 30 days from the date of the insurer’s demand, or fails to pay the current premium for 60 days beyond the agreed time limit, the contract shall be terminated, or the insurer shall reduce the insurance amount according to the conditions stipulated in the contract.

????If the insured has an insured accident within the time limit specified in the preceding paragraph, the insurer shall pay the insurance premium in accordance with the contract, but may deduct the unpaid insurance premium.

????Article 37 If the validity of a contract is suspended in accordance with the provisions of Article 36 of this Law, the validity of the contract shall be restored after the insurer and the applicant reach an agreement through consultation and after the applicant pays the insurance premium. However, if both parties fail to reach an agreement within two years from the date of termination of the contract, the insurer has the right to terminate the contract.

If the insurer terminates the contract in accordance with the provisions of the preceding paragraph, it shall return the cash value of the insurance policy in accordance with the contract.
????Article 38 An insurer may not demand the applicant to pay the premium of life insurance by litigation.

????Article 39 The beneficiary of personal insurance shall be designated by the insured or the applicant.

????The applicant must obtain the consent of the insured when designating the beneficiary. The applicant shall insure the life insurance for the workers who have labor relations with him, and shall not designate any person other than the insured and his close relatives as the beneficiary.

????If the insured is a person without or with limited capacity for civil conduct, the beneficiary may be designated by his guardian.

????Article 40 The insured or the applicant may designate one or more persons as beneficiaries.

If there are several beneficiaries, the insured or the applicant may determine the order and share of benefits; If the share of benefit is not determined, the beneficiary shall enjoy the right to benefit according to the equal share.
????Article 41 The insured or the applicant may change the beneficiary and notify the insurer in writing. After receiving the written notice of changing the beneficiary, the insurer shall annotate or attach the approval form to the insurance policy or other insurance documents.

????The applicant must obtain the consent of the insured when changing the beneficiary.
????Forty-second after the death of the insured, under any of the following circumstances, the insurance money shall be regarded as the insured’s inheritance, and the insurer shall perform the obligation to pay the insurance money in accordance with the provisions of the Inheritance Law of People’s Republic of China (PRC):

????(1) The beneficiary has not been designated, or the designation of the beneficiary is unknown and cannot be determined;
????(2) The beneficiary dies before the insured, and there are no other beneficiaries;
????(3) The beneficiary loses or waives the right to benefit according to law, and there are no other beneficiaries.
????If the beneficiary and the insured die in the same event, and the order of death cannot be determined, it is presumed that the beneficiary died first.

????Article 43 If the applicant intentionally causes the death, disability or illness of the insured, the insurer shall not be liable for paying the insurance money. If the applicant has paid the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy to other obligees in accordance with the contract.

????If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured, the beneficiary loses the right to benefit.

????Article 44 In a contract in which the death of the insured is the condition for payment of insurance benefits, if the insured commits suicide within two years from the date of the establishment of the contract or the resumption of the effectiveness of the contract, the insurer shall not be liable for payment of insurance benefits, unless the insured committed suicide as a person without civil capacity.

????If the insurer is not liable for the payment of insurance benefits in accordance with the provisions of the preceding paragraph, it shall return the cash value of the insurance policy in accordance with the contract.

????Article 45 If the insured intentionally commits a crime or resists criminal compulsory measures taken according to law, resulting in his disability or death, the insurer shall not be liable for paying the insurance money. If the applicant has paid the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy in accordance with the contract.

????Article 46 If the insured suffers death, disability or illness due to the act of a third party, the insurer shall not have the right to claim compensation from the third party after paying the insurance money to the insured or beneficiary, but the insured or beneficiary shall still have the right to claim compensation from the third party.

????Article 47 If the applicant cancels the contract, the insurer shall return the cash value of the insurance policy according to the contract within 30 days from the date of receiving the notice of cancellation.

????Section 3 Property Insurance Contract
????Article 48 When an insured accident occurs, if the insured has no insurable interest in the subject matter insured, he may not claim compensation from the insurer.

????Article 49 Where the subject matter insured is transferred, the transferee of the subject matter insured shall inherit the rights and obligations of the insured.

????Where the subject matter insured is transferred, the insured or the transferee shall notify the insurer in time, except for the cargo transportation insurance contract and the contract otherwise agreed.

????If the risk degree is significantly increased due to the transfer of the subject matter insured, the insurer may increase the insurance premium or terminate the contract in accordance with the contract within 30 days from the date of receiving the notice specified in the preceding paragraph. When the insurer terminates the contract, it shall refund the premium it has collected to the insured after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract.

????If the insured or the transferee fails to fulfill the notification obligation stipulated in the second paragraph of this article, the insurer shall not be liable for compensation for the insurance accident that occurs due to the significant increase in the risk of the subject matter insured due to the transfer.

????Article 50 The parties to a cargo transportation insurance contract and a means of transport voyage insurance contract may not terminate the contract after the insurance liability begins.

????Article 51 The insured shall abide by the relevant state regulations on fire control, safety, production operation and labor protection, and safeguard the safety of the subject matter insured.

????The insurer may inspect the safety status of the subject matter insured in accordance with the contract, and put forward written suggestions to the applicant and the insured to eliminate unsafe factors and hidden dangers in time.

????If the applicant and the insured fail to fulfill their due responsibilities for the safety of the subject matter insured in accordance with the agreement, the insurer has the right to request an increase in the insurance premium or terminate the contract.

In order to maintain the safety of the subject matter insured, the insurer may, with the consent of the insured, take safety precautions.
????Article 52 If the risk of the subject matter insured increases significantly within the validity period of the contract, the insured shall promptly notify the insurer as agreed in the contract, and the insurer may increase the insurance premium or terminate the contract as agreed in the contract. When the insurer terminates the contract, it shall refund the premium it has collected to the insured after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract.

????If the insured fails to fulfill the notification obligation stipulated in the preceding paragraph, the insurer shall not be liable for compensation for the insurance accident caused by the significant increase in the risk of the subject matter insured.

????Article 53 Under any of the following circumstances, unless otherwise agreed in the contract, the insurer shall reduce the insurance premium and refund the corresponding insurance premium on a daily basis:

????(1) The relevant circumstances on which the insurance premium rate is determined have changed, and the degree of danger of the subject matter insured has obviously decreased;
????(2) The insured value of the subject matter insured is obviously reduced.
????Article 54 Before the commencement of insurance liability, if the applicant requests to terminate the contract, he shall pay the handling fee to the insurer in accordance with the contract, and the insurer shall refund the insurance premium. After the commencement of insurance liability, if the applicant requests to terminate the contract, the insurer shall refund the premium collected to the applicant after deducting the part receivable from the commencement of insurance liability to the termination of the contract in accordance with the contract.

????Article 55 If the insured and the insurer agree on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.

????If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.

????The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess shall be invalid, and the insurer shall refund the corresponding insurance premium.

????If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value.

????Article 56 An applicant for double insurance shall notify all insurers of the relevant information about double insurance.

????The sum of the compensation insurance premiums paid by the insurers of double insurance shall not exceed the insured value. Unless otherwise agreed in the contract, each insurer shall be liable for compensation according to the proportion of the insured amount and the sum of the insured amount.

????The applicant for double insurance may request the insurers to return the insurance premium in proportion to the sum of the insured amount exceeding the insured value.

????Double insurance refers to the insurance in which the insured enters into insurance contracts with two or more insurers for the same subject matter, the same insurance interest and the same insurance accident, and the sum of the insured amount exceeds the insured value.

????Article 57 When an insured accident occurs, the insured shall try his best to take necessary measures to prevent or reduce losses.

????After the occurrence of an insured accident, the insurer shall bear the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the subject matter insured; The amount of expenses borne by the insurer shall be calculated separately from the amount of compensation for the loss of the subject matter insured, and the maximum amount shall not exceed the insured amount.

????Article 58 In case of partial loss of the subject matter insured, the applicant may terminate the contract within 30 days from the date of compensation by the insurer; Unless otherwise agreed in the contract, the insurer may also terminate the contract, but it shall notify the applicant fifteen days in advance.

????If the contract is terminated, the insurer shall refund the insurance premium of the undamaged part of the subject matter insured to the applicant after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract in accordance with the contract.

????Article 59 After the occurrence of an insured accident, if the insurer has paid all the insured amount, and the insured amount is equal to the insured value, all the rights of the damaged subject matter insured shall belong to the insurer; If the insured amount is lower than the insured value, the insurer shall obtain part of the rights of the damaged insurance subject matter according to the ratio of the insured amount to the insured value.

????Article 60 If an insured accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate the insured’s right to claim compensation from the third party within the compensation amount from the date of compensation to the insured.

????If the insured has obtained damages from a third party after the occurrence of the insured accident specified in the preceding paragraph, the insurer may deduct the amount of compensation that the insured has obtained from the third party when compensating the insurance money.

????The insurer’s right to claim compensation by subrogation in accordance with the first paragraph of this article shall not affect the insured’s right to claim compensation from a third party for the part that has not been compensated.

????Article 61 If the insured waives the right to claim compensation from a third party after the occurrence of an insured accident and before the insurer pays the insurance money, the insurer shall not be liable for compensation.

????After the insurer compensates the insured for the insurance money, if the insured waives the right to claim compensation from the third party without the consent of the insurer, the act is invalid.

????If the insured intentionally or due to gross negligence prevents the insurer from exercising the right to claim compensation by subrogation, the insurer may deduct or demand the return of the corresponding insurance money.

????Article 62 The insurer shall not exercise the right of subrogation against the family members or their members of the insured, except that the family members or their members intentionally cause the insured accident as stipulated in the first paragraph of Article 60 of the Cost Law.

????Article 63 When the insurer exercises the right to claim compensation by subrogation to a third party, the insured shall provide the insurer with necessary documents and relevant information.

????Article 64 The insurer shall bear the necessary and reasonable expenses paid by the insurer and the insured to find out and determine the nature and cause of the insured accident and the degree of loss of the subject matter insured.

????Article 65 An insurer may, in accordance with the provisions of the law or the contract, directly compensate the third party for the damage caused by the insured of liability insurance.

????If the insured of liability insurance causes damage to a third party and the insured’s liability for compensation to the third party is determined, the insurer shall directly compensate the insurance money to the third party at the request of the insured. If the insured is slow to make a claim, the third party has the right to directly claim compensation from the insurer for the part that should be compensated.

????If the insured of liability insurance causes damage to a third party and the insured fails to compensate the third party, the insurer shall not compensate the insured for the insurance money.

????Liability insurance refers to insurance with the insured’s liability for compensation to a third party according to law as the insurance subject.
????Article 66 If the insured of liability insurance is brought to arbitration or litigation because of an insured accident that causes damage to a third party, the arbitration or litigation expenses and other necessary and reasonable expenses paid by the insured shall be borne by the insurer, unless otherwise agreed in the contract.

????Chapter III Insurance Companies
????Article 67 The establishment of an insurance company shall be approved by the the State Council Insurance Regulatory Authority.

????When examining the application for the establishment of an insurance company, the insurance regulatory agency of the State Council shall consider the development of the insurance industry and the need for fair competition.

????Article 68 The establishment of an insurance company shall meet the following conditions:
????(1) The major shareholder has sustained profitability and good reputation, has no record of major violations of laws and regulations in the last three years, and its net assets are not less than RMB 200 million;

????(2) Having articles of association that conform to the provisions of this Law and the Company Law of People’s Republic of China (PRC);
????(3) Having a registered capital that meets the requirements of this Law;
????(4) Having directors, supervisors and senior managers with professional knowledge and business experience;
????(5) Having a sound organizational structure and management system;
????(6) Having a business place that meets the requirements and other facilities related to business operations;
????(seven) other conditions stipulated by laws, administrative regulations and the State Council insurance regulatory agency.
????Article 69 To establish an insurance company, the minimum registered capital shall be RMB 200 million.

????The State Council insurance regulatory agency may adjust the minimum registered capital of an insurance company according to its business scope and business scale, but it shall not be lower than the limit specified in the first paragraph of this article.

????The registered capital of an insurance company must be paid-in monetary capital.
????Article 70 To apply for the establishment of an insurance company, a written application shall be submitted to the the State Council Insurance Regulatory Authority, and the following materials shall be submitted:

????(1) An application for establishment, which shall specify the name, registered capital and business scope of the insurance company to be established;

????(2) Feasibility study report;
????(3) the preparation plan;
????(4) the business license or other background information of the investor, and the financial and accounting report of the previous year audited by an accounting firm;

????(five) the list of the person in charge of the preparatory group and the proposed chairman and manager recognized by the investor, and the certificate of his own recognition;
????(6) Other materials as prescribed by the insurance regulatory agency of the State Council.
????Article 71 The the State Council Insurance Regulatory Authority shall examine the application for the establishment of an insurance company, make a decision on approval or disapproval of the establishment within six months from the date of acceptance, and notify the applicant in writing. If it decides not to approve, it shall explain the reasons in writing.

????Article 72 The applicant shall complete the preparatory work within one year from the date of receiving the notice of approval for the preparatory work; Shall not engage in insurance business activities during the preparation period.

????Article 73 After the preparatory work is completed, if the applicant meets the conditions for establishment as stipulated in Article 68 of this Law, he may apply to the insurance regulatory agency of the State Council for starting business.

????The State Council insurance supervision and administration institution shall, within 60 days from the date of accepting the application for business opening, make a decision on whether to approve or disapprove the business opening. If the decision is approved, the insurance business license shall be issued; If it decides not to approve, it shall notify the applicant in writing and explain the reasons.

????Article 74 The establishment of branches by an insurance company within the territory of People’s Republic of China (PRC) shall be approved by the insurance supervision and regulation institution.

????The branch of an insurance company does not have legal person status, and its civil liability shall be borne by the insurance company.
????Article 75 When an insurance company applies for establishing a branch, it shall submit a written application to the insurance supervision and administration institution and submit the following materials:

????(1) An application for establishment;
????(two) the three-year business development plan and market analysis materials of the proposed institution;
????(3) Resumes and relevant certification materials of the proposed senior managers;
????(4) Other materials as prescribed by the the State Council Insurance Regulatory Authority.
????Article 76 The insurance supervision and administration institution shall examine the application of an insurance company to establish a branch, and make a decision of approval or disapproval within 60 days from the date of acceptance. If it decides to approve, it will issue a license for the branch to operate insurance business; If it decides not to approve, it shall notify the applicant in writing and explain the reasons.

????Article 77 An approved insurance company and its branches shall register with the administrative department for industry and commerce and obtain a business license with the insurance business license.

????Article 78 If an insurance company and its branches fail to register with the administrative department for industry and commerce within six months from the date of obtaining the insurance business license, their insurance business license shall be invalid.

????Article 79 The establishment of subsidiaries, branches and representative offices outside People’s Republic of China (PRC) by an insurance company shall be approved by the insurance regulatory authority of the State Council.

????Article 80 The establishment of a representative office in People’s Republic of China (PRC) by a foreign insurance institution shall be approved by the insurance regulatory authority of the State Council. Representative offices shall not engage in insurance business activities.

????Article 81 The directors, supervisors and senior managers of an insurance company shall be of good conduct, be familiar with insurance-related laws and administrative regulations, have the operational and management capabilities required to perform their duties, and obtain the post qualifications approved by the insurance regulatory agency before taking up their posts.

The scope of senior management personnel of insurance companies shall be stipulated by the the State Council Insurance Regulatory Authority.
????Article 82 A person who falls under the circumstances specified in Article 147 of the Company Law of People’s Republic of China (PRC) or one of the following circumstances may not serve as a director, supervisor or senior manager of an insurance company:

????(1) The directors, supervisors and senior managers of financial institutions who have been disqualified by financial supervision and regulation institutions due to illegal or disciplinary acts have not been more than five years since their disqualification;

????(2) A lawyer, a certified public accountant or a professional of an asset appraisal institution, a verification institution, etc., whose practice qualification has been revoked due to illegal or disciplinary acts, and less than five years have passed since the day when his practice qualification was revoked.

????Article 83 If the directors, supervisors and senior managers of an insurance company violate laws, administrative regulations or the articles of association when performing their duties, thus causing losses to the company, they shall be liable for compensation.

????Article 84 An insurance company shall be approved by the insurance supervision and administration institution under any of the following circumstances:

????(a) change the name;
????(2) Change of registered capital;
????(3) Changing the business premises of the company or its branches;
????(4) Revocation of branches;
????(5) Division or merger of the company;
????(6) Amending the Articles of Association;
????(7) Changing shareholders whose capital contribution accounts for more than 5% of the total capital of a limited liability company, or changing shareholders who hold more than 5% of the shares of a joint stock limited company;

????(eight) other circumstances stipulated by the the State Council insurance regulatory agency.
????Article 85 An insurance company shall employ actuarial professionals recognized by the the State Council Insurance Regulatory Authority and establish an actuarial reporting system.

????An insurance company shall employ professionals and establish a compliance reporting system.
????Article 86 An insurance company shall submit relevant reports, statements, documents and materials in accordance with the provisions of the insurance regulatory agency.

Insurance companies’ solvency reports, financial accounting reports, actuarial reports, compliance reports and other relevant reports, statements, documents and materials must truthfully record insurance business matters, and there shall be no false records, misleading statements or major omissions.

????Article 87 An insurance company shall properly keep complete account books, original vouchers and relevant materials of its business activities in accordance with the provisions of the the State Council Insurance Regulatory Authority.

????The storage period of the account books, original vouchers and relevant materials specified in the preceding paragraph shall be counted from the date of termination of the insurance contract, and the insurance period shall not be less than five years if it is less than one year, and not less than ten years if it is more than one year.

????Article 88 An insurance company shall report to the insurance supervision and administration institution when hiring or dismissing an intermediary service institution such as an accounting firm, an asset appraisal institution and a credit rating institution. Reasons shall be given for dismissing intermediary service institutions such as accounting firms, asset appraisal institutions and credit rating agencies.

????Article 89 An insurance company needs to be dissolved due to division or merger, or the shareholders’ meeting or the shareholders’ general meeting decides to dissolve, or the reasons for dissolution stipulated in the articles of association arise, and it shall be dissolved after being approved by the the State Council Insurance Regulatory Authority.

????An insurance company engaged in life insurance business shall not be dissolved unless it is separated, merged or revoked according to law.
????When an insurance company is dissolved, a liquidation group shall be established according to law for liquidation.
????Article 90 Where an insurance company falls under the circumstances stipulated in Article 2 of the Enterprise Bankruptcy Law of the People’s Republic of China, with the consent of the the State Council Insurance Regulatory Authority, the insurance company or its creditors may apply to the people’s court for reorganization, reconciliation or bankruptcy liquidation according to law; The State Council insurance supervision and administration institution may also apply to the people’s court for reorganization or bankruptcy liquidation of the insurance company according to law.

????Article 91 Bankruptcy property shall be paid off in the following order after paying off bankruptcy expenses and common debts first:

????(1) Wages and medical, disability and pension expenses owed to employees, basic old-age insurance and basic medical insurance expenses owed to employees’ personal accounts, and compensation that should be paid to employees according to laws and administrative regulations;

????(2) Compensation or payment of insurance benefits;
????(3) Social insurance fees and taxes owed by insurance companies other than those specified in Item (1);
????(4) Ordinary bankruptcy claims.
????If the bankruptcy property is insufficient to pay off the repayment requirements in the same order, it shall be distributed in proportion.
????The wages of directors, supervisors and senior managers of bankruptcy insurance companies shall be calculated according to the average wages of employees of the company.

????Article 92 If an insurance company engaged in life insurance business is revoked or declared bankrupt according to law, its life insurance contract and liability reserve must be transferred to other insurance companies engaged in life insurance business; If the transfer agreement cannot be reached with other insurance companies, the insurance company with life insurance business shall be designated by the State Council Insurance Regulatory Authority to accept the transfer.

Where the life insurance contract and liability reserve specified in the preceding paragraph are transferred or accepted by the the State Council Insurance Regulatory Authority, the legitimate rights and interests of the insured and beneficiaries shall be safeguarded.
????Article 93 When an insurance company terminates its business activities according to law, it shall cancel its insurance business license.

????Article 94 Unless otherwise provided for in this Law, the provisions of the Company Law of People’s Republic of China (PRC) shall apply to insurance companies.

????Chapter IV Insurance Operating Rules
????Article 95 The business scope of an insurance company:
????(a) personal insurance business, including life insurance, health insurance, accident insurance and other insurance business;
????(2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance businesses;

????(3) Other insurance-related businesses approved by the the State Council Insurance Regulatory Authority.
????An insurer may not concurrently engage in life insurance business and property insurance business. However, insurance companies engaged in property insurance business may engage in short-term health insurance business and accidental injury insurance business with the approval of the State Council Insurance Regulatory Authority.

????An insurance company shall engage in insurance business activities within the business scope approved by the the State Council Insurance Regulatory Authority according to law.
????Article 96 With the approval of the the State Council Insurance Regulatory Authority, an insurance company may engage in the following reinsurance business of the insurance business specified in Article 95 of this Law:

????(1) ceding insurance;
????(2) Sub-insurance.
????Article 97 An insurance company shall withdraw a deposit of 20% of its total registered capital and deposit it in a bank designated by the the State Council Insurance Regulatory Authority. It shall not be used except for paying off debts during liquidation of the company.

????Article 98 An insurance company shall, in accordance with the principle of safeguarding the interests of the insured and ensuring solvency, draw various liability reserves.

The specific measures for the insurance company to withdraw and carry forward the liability reserve shall be formulated by the the State Council Insurance Regulatory Authority.
????Article 99 An insurance company shall withdraw its provident fund according to law.
????Article 100 An insurance company shall pay the insurance guarantee fund.
????The insurance protection fund shall be centrally managed and used as a whole under the following circumstances:
????(1) Providing relief to the applicant, the insured or the beneficiary when the insurance company is revoked or declared bankrupt;

????(2) When an insurance company is revoked or declared bankrupt, providing relief to the insurance company that accepts its life insurance contract according to law;

????(3) Other circumstances stipulated by the State Council.
????Specific measures for the collection, management and use of insurance protection funds shall be formulated by the State Council.
????Article 101 An insurance company shall have a minimum solvency commensurate with its business scale and risk degree. The difference between the authorized assets and the authorized liabilities of an insurance company shall not be less than the amount stipulated by the the State Council Insurance Regulatory Authority; If the amount is lower than the specified amount, corresponding measures shall be taken to reach the specified amount according to the requirements of the insurance supervision and administration institution of the State Council.

????Article 102 The insurance premium retained by an insurance company engaged in property insurance business in the current year shall not exceed four times the sum of its actual capital plus provident fund.

????Article 103 The liability of an insurance company for each dangerous unit, that is, the maximum loss range that may be caused by an insurance accident, shall not exceed 10% of the sum of the actual capital plus the provident fund; The excess shall be reinsurance.

????The division of dangerous units by insurance companies shall conform to the provisions of the State Council Insurance Regulatory Authority.
????Article 104 An insurance company’s method of classifying dangerous units and its catastrophe risk arrangement plan shall be reported to the the State Council Insurance Regulatory Authority for the record.

????Article 105 An insurance company shall handle reinsurance in accordance with the provisions of the the State Council Insurance Regulatory Authority, and carefully select reinsurance recipients.

????Article 106 An insurance company must use its funds steadily and follow the principle of safety.

????The use of funds by insurance companies is limited to the following forms:
????(1) Bank deposits;
????(2) buying and selling bonds, stocks, shares of securities investment funds and other securities;
????(3) investing in real estate;
????(four) other forms of capital use as prescribed by the State Council.
????Specific measures for the administration of the use of funds by insurance companies shall be formulated by the the State Council Insurance Regulatory Authority in accordance with the provisions of the preceding two paragraphs.

????Article 107 An insurance company may establish an insurance asset management company with the approval of the the State Council Insurance Regulatory Authority in conjunction with the the State Council Securities Regulatory Authority.

????Insurance asset management companies engaged in securities investment activities shall abide by the provisions of the Securities Law of People’s Republic of China (PRC) and other laws and administrative regulations.

????Measures for the administration of insurance asset management companies shall be formulated by the the State Council Insurance Regulatory Authority in conjunction with the relevant departments of the State Council.

????Article 108 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, establish a system for the management and information disclosure of related party transactions.

????Article 109 The controlling shareholders, actual controllers, directors, supervisors and senior managers of an insurance company shall not use related party transactions to harm the interests of the company.

????Article 110 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, truthfully, accurately and completely disclose financial and accounting reports, risk management, insurance product management and other major matters.

????Article 111 The personnel engaged in insurance sales of an insurance company shall meet the qualifications stipulated by the insurance supervision and administration institution of the State Council and obtain the qualification certificate issued by the insurance supervision and administration institution.

????The scope and management measures of insurance sales personnel mentioned in the preceding paragraph shall be formulated by the insurance supervision and administration institution of the State Council.
????Article 112 An insurance company shall establish an insurance agent registration management system, strengthen the training and management of insurance agents, and shall not instigate or induce insurance agents to engage in activities that violate the obligation of good faith.

????Article 113 An insurance company and its branches shall use the insurance business license according to law, and may not transfer, lease or lend the insurance business license.

????Article 114 An insurance company shall, in accordance with the provisions of the the State Council Insurance Regulatory Authority, formulate insurance clauses and insurance rates fairly and reasonably, and shall not harm the legitimate rights and interests of the applicant, the insured and the beneficiary.

????An insurance company shall, in accordance with the contract and the provisions of this Law, timely perform the obligation of compensation or payment of insurance benefits.
????Article 115 When conducting business, an insurance company shall follow the principle of fair competition and shall not engage in unfair competition.

????Article 116 An insurance company and its staff shall not commit the following acts in insurance business activities:

????(1) Deceiving the applicant, the insured or the beneficiary;
????(2) Concealing important information related to the insurance contract from the applicant;
????(3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law;

????(four) to give or promise to give the insured, the insured and the beneficiary insurance premiums or other benefits other than those stipulated in the insurance contract;

????(5) Refusing to perform the obligation of compensation or payment of insurance benefits as stipulated in the insurance contract according to law;
????(6) Deliberately fabricating insurance accidents or fictitious insurance contracts that have never happened, or deliberately exaggerating the loss degree of insurance accidents that have happened, making false claims, defrauding insurance money or seeking other illegitimate interests;

????(seven) misappropriation, interception and occupation of insurance premiums;
????(8) Entrusting institutions or individuals without legal qualifications to engage in insurance sales activities;
????(nine) to seek illegitimate interests for other institutions or individuals by conducting insurance business;
????(10) Using insurance agents, insurance brokers or insurance assessment agencies to engage in illegal activities such as fictitious insurance intermediary business or fabricating surrender;

????(eleven) damage the business reputation of competitors by fabricating or spreading false facts, or disrupt the order of the insurance market by other unfair competition;

????(12) disclosing the business secrets of the applicant and the insured that are known in business activities;
????(thirteen) other acts in violation of laws, administrative regulations and the provisions of the the State Council insurance regulatory agency.
????

????Chapter V Insurance Agents and Insurance Brokers

????Article 117 An insurance agent is an institution or individual that collects commissions from the insurer on the basis of the insurer’s entrustment and handles insurance business on its behalf within the scope authorized by the insurer.

????Insurance agencies include professional insurance agencies specializing in insurance agency business and part-time insurance agencies engaged in insurance agency business.

????Article 118 An insurance broker is an institution that provides intermediary services for the applicant to conclude an insurance contract with the insurer based on the interests of the applicant, and collects commissions according to law.

????Article 119 Insurance agencies and insurance brokers shall meet the requirements stipulated by the the State Council Insurance Regulatory Authority, and obtain the insurance agency business license and insurance brokerage business license issued by the insurance regulatory authority.

????Insurance professional agencies and insurance brokers shall register with the administrative department for industry and commerce with the license issued by the insurance supervision and administration institution and obtain a business license.

????A part-time insurance agency shall, with the license issued by the insurance supervision and administration institution, handle the change registration with the administrative department for industry and commerce.

????Article 120 The provisions of the Company Law of People’s Republic of China (PRC) shall apply to the minimum registered capital of insurance professional agencies and insurance brokers established in the form of companies.

????According to the business scope and scale of insurance professional agencies and insurance brokers, the State Council insurance supervision and management institutions may adjust the minimum registered capital, but it shall not be lower than the limit stipulated in the Company Law of People’s Republic of China (PRC).

????The registered capital or capital contribution of insurance professional agencies and insurance brokers must be paid-in monetary capital.
????Article 121 The senior managers of insurance professional agencies and insurance brokers should be of good conduct, be familiar with insurance laws and administrative regulations, have the management ability required to perform their duties, and obtain the post qualifications approved by the insurance supervision and administration institutions before taking up their posts.

????Article 122 Individual insurance agents, agents of insurance agencies, and brokers of insurance brokers shall meet the qualifications stipulated by the insurance regulatory agency of the State Council and obtain the qualification certificates issued by the insurance regulatory agency.

????Article 123 Insurance agencies and insurance brokers shall have their own business premises and set up special account books to record the income and expenditure of insurance agency business and brokerage business.

????Article 124 Insurance agencies and insurance brokers shall deposit a deposit or take out professional liability insurance in accordance with the provisions of the the State Council Insurance Regulatory Authority. Without the approval of the insurance regulatory agency, insurance agencies and insurance brokers may not use the deposit.

????Article 125 An individual insurance agent may not accept the entrustment of more than two insurers at the same time when handling life insurance business on his behalf.

????Article 126 When an insurer entrusts an insurance agent to handle insurance business on its behalf, it shall sign an agency agreement with the insurance agent to stipulate the rights and obligations of both parties according to law.

????Article 127 The insurer shall bear the responsibility for the insurance agent’s act of handling insurance business on behalf of the insurer.

If an insurance agent has no power of agency, exceeds the power of agency or concludes a contract in the name of the insurer after the termination of the power of agency, so that the applicant has reason to believe that he has power of agency, the agency behavior is valid. An insurer may investigate the liability of an insurance agent who exceeds his authority according to law.

????Article 128 If an insurance broker causes losses to the applicant and the insured due to his fault, he shall be liable for compensation according to law.

????Article 129 The parties to an insurance activity may entrust an independent appraisal institution established according to law, such as an insurance assessment institution, or personnel with relevant professional knowledge to evaluate and appraise the insurance accident.

????Institutions and personnel entrusted with the assessment and appraisal of insurance accidents shall conduct the assessment and appraisal in accordance with the law, independently, objectively and impartially, and no unit or individual may interfere.

????If the institutions and personnel specified in the preceding paragraph cause losses to the insurer or the insured intentionally or negligently, they shall be liable for compensation according to law.

????Article 130 Insurance commissions are only paid to legally qualified insurance agents and insurance brokers, and may not be paid to others.

????Article 131 Insurance agents, insurance brokers and their employees shall not commit the following acts in handling insurance business activities:

????(1) Deceiving the insurer, the applicant, the insured or the beneficiary;
????(2) Concealing important information related to the insurance contract;
????(3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law;

????(4) Giving or promising to give benefits other than those stipulated in the insurance contract to the applicant, the insured or the beneficiary;
????(5) Forcing, inducing or restricting the applicant to conclude an insurance contract by taking advantage of administrative power, position or professional convenience and other improper means;

????(6) Forging or altering an insurance contract without authorization, or providing false certification materials for the parties to the insurance contract;
????(seven) misappropriation, interception, embezzlement of insurance premiums or insurance benefits;
????(8) Taking advantage of business facilities to seek illegitimate interests for other institutions or individuals;
????(9) colluding with the applicant, the insured or the beneficiary to defraud the insurance money;
????(10) disclosing the business secrets of the insurer, the applicant and the insured that are known in business activities.
????Article 132 The division, merger, change of organizational form, establishment of branches or dissolution of insurance professional agencies and insurance brokers shall be subject to the approval of the insurance regulatory agency.

????Article 133 The provisions of the first paragraph of Article 86 and Article 113 of this Law shall apply to insurance agencies and insurance brokers.

????Chapter VI Supervision and Administration of Insurance Industry
????Article 134 Insurance supervision and management institutions shall, in accordance with their duties as stipulated in this Law and the the State Council, follow the principles of legality, openness and fairness, supervise and manage the insurance industry, maintain the order of the insurance market, and protect the legitimate rights and interests of policyholders, insured persons and beneficiaries.

????Article 135 The insurance supervision and administration institution of the State Council shall formulate and issue relevant regulations on insurance supervision and administration in accordance with laws and administrative regulations.

????Article 136 The insurance clauses and premium rates of insurance types that are related to the public interests, those that are subject to compulsory insurance according to law, and newly developed life insurance types shall be reported to the the State Council Insurance Regulatory Authority for approval. When examining and approving, the insurance supervision and administration institution of the State Council shall follow the principles of protecting public interests and preventing unfair competition. The insurance clauses and premium rates of other insurance types shall be reported to the insurance supervision and administration institution for the record.

The specific measures for the examination, approval and filing of insurance clauses and premium rates shall be formulated by the the State Council Insurance Regulatory Authority in accordance with the provisions of the preceding paragraph.
????Article 137 If the insurance clauses and premium rates used by insurance companies violate laws, administrative regulations or the relevant provisions of the insurance regulatory agency of the State Council, the insurance regulatory agency shall order them to stop using them and make amendments within a time limit; If the circumstances are serious, it may be forbidden to declare new insurance clauses and insurance rates within a certain period of time.

????Article 138 The insurance supervision and administration institution of the State Council shall establish and improve the solvency supervision system of insurance companies and monitor the solvency of insurance companies.

????Article 139 The the State Council Insurance Regulatory Authority shall list the insurance companies with insufficient solvency as key regulatory targets, and may take the following measures according to specific conditions:

????(a) ordered to increase capital, reinsurance;
????(2) limiting the business scope;
????(3) Limiting dividends to shareholders;
????(four) limit the scale of fixed assets purchase or operating expenses;
????(five) the form and proportion of restricting the use of funds;
????(6) Restricting the addition of branches;
????(seven) to order the auction of non-performing assets and the transfer of insurance business;
????(8) Limiting the remuneration levels of directors, supervisors and senior managers;
????(9) Restricting commercial advertisements;
????(ten) ordered to stop accepting new business.
????Article 140 If an insurance company fails to withdraw or carry forward various liability reserves in accordance with the provisions of this Law, or fails to conduct reinsurance in accordance with the provisions of this Law, or seriously violates the provisions of this Law on the use of funds, the insurance supervision and regulation institution shall order it to make corrections within a time limit, and may also order it to adjust the responsible person and relevant management personnel.

????Article 141 If the insurance company fails to make corrections within the time limit after the insurance supervision and administration institution has made a decision to make corrections within the time limit in accordance with the provisions of Article 140 of this Law, the the State Council insurance supervision and administration institution may decide to appoint insurance professionals and relevant personnel of the insurance company to form a rectification group to rectify the company.

????The rectification decision shall specify the name of the company to be rectified, the reasons for rectification, the members of the rectification team and the rectification period, and shall be announced.

????Article 142 The rectification group has the right to supervise the daily business of the rectified insurance company. The person in charge of the company being reorganized and the relevant management personnel shall exercise their functions and powers under the supervision of the reorganization team.

????Article 143 In the course of reorganization, the original business of the reorganized insurance company will continue. However, the the State Council Insurance Regulatory Authority may order the reorganized company to stop part of its original business, stop accepting new business and adjust the use of funds.

????Article 144 If an insurance company that has been rectified has corrected its violation of the provisions of this Law and resumed its normal operation, the rectification team shall submit a report, which shall be approved by the insurance supervision and administration institution of the State Council, and the rectification shall be terminated and announced by the insurance supervision and administration institution of the State Council.

????Article 145 The the State Council Insurance Regulatory Authority may take over an insurance company under any of the following circumstances:

????(1) The solvency of the company is seriously insufficient;
????(2) Violating the provisions of this Law and harming the public interests, which may seriously endanger or has seriously endangered the solvency of the company.

????The creditor-debtor relationship of the taken-over insurance company does not change due to the takeover.
????Article 146 The composition of the take-over group and the measures for the implementation of the take-over shall be decided by the the State Council Insurance Regulatory Authority and announced.

????Article 147 Upon the expiration of the take-over period, the the State Council Insurance Regulatory Authority may decide to extend the take-over period, but the maximum take-over period shall not exceed two years.

????Article 148 If the takeover period expires and the insurance company that has been taken over has resumed its normal operation capacity, the the State Council Insurance Regulatory Authority shall decide to terminate the takeover and make a public announcement.

????Article 149 Where an insurance company that has been reorganized and taken over is under the circumstances as stipulated in Article 2 of the Enterprise Bankruptcy Law of the People’s Republic of China, the insurance supervision and administration institution of the State Council may apply to the people’s court for reorganization or bankruptcy liquidation of the insurance company according to law.

????Article 150 If an insurance company’s insurance business license is revoked according to law due to illegal operation, or its solvency is lower than the standard set by the insurance regulatory agency of the State Council, and the failure to cancel it will seriously endanger the order of the insurance market and damage the public interest, the insurance regulatory agency of the State Council will revoke it and make a public announcement, and timely organize a liquidation team to carry out liquidation according to law.

????Article 151 The the State Council insurance regulatory authority has the right to require the shareholders and actual controllers of insurance companies to provide relevant information and materials within the specified time limit.

????Article 152 If the shareholders of an insurance company use related party transactions to seriously damage the company’s interests and endanger the company’s solvency, the the State Council Insurance Regulatory Authority shall order them to make corrections. Before making corrections as required, the the State Council Insurance Regulatory Authority may restrict the rights of its shareholders; Those who refuse to make corrections may be ordered to transfer their shares in insurance companies.

????Article 153 An insurance supervision and management institution may, according to the needs of performing its supervision and management duties, hold supervision and management talks with directors, supervisors and senior management personnel of an insurance company, and ask them to make explanations on major issues of the company’s business activities and risk management.

????Article 154 During the period of reorganization, takeover or cancellation of liquidation of an insurance company, or in case of major risks, the the State Council Insurance Regulatory Authority may take the following measures against the directors, supervisors, senior managers and other directly responsible personnel of the company:

????(1) Notify the exit administration authorities to prevent them from leaving the country according to law;
????(2) applying to the judicial organ to prohibit it from transferring, transferring or otherwise disposing of property, or setting other rights on property.

????Article 155 An insurance supervision and administration institution may take the following measures to perform its duties according to law:

????(1) Conducting on-site inspections on the representative offices of insurance companies, insurance agents, insurance brokers, insurance asset management companies and foreign insurance institutions;

????(two) to enter the place where the suspected illegal act occurred to investigate and collect evidence;
????(3) Asking the parties concerned, the units and individuals related to the incident under investigation, and asking them to explain the matters related to the incident under investigation;

????(four) to consult and copy the information related to the property rights registration of the investigated event;
????(5) consulting and copying the financial and accounting data and other relevant documents and materials of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions, and units and individuals related to the investigated events; To seal up documents and materials that may be transferred, concealed or damaged;

????(6) Inquiring about the bank accounts of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions and units and individuals related to suspected illegal activities;

????(7) If there is evidence to prove that illegal funds and other property involved have been or may be transferred or concealed, or important evidence has been concealed, forged or destroyed, apply to the people’s court for freezing or sealing up with the approval of the principal responsible person of the insurance regulatory institution.

????Where an insurance regulatory institution adopts the measures mentioned in Items (1), (2) and (5) of the preceding paragraph, it shall be approved by the person in charge of the insurance regulatory institution; To take the measures in Item (6), it shall be approved by the person in charge of the insurance supervision and administration institution in the State Council.

????Insurance supervision and management institutions shall carry out supervision, inspection and investigation according to law, and the number of personnel involved in supervision, inspection and investigation shall not be less than two, and they shall produce legal certificates and notices of supervision, inspection and investigation; The units and individuals under inspection and investigation have the right to refuse if there are less than two persons who supervise, inspect and investigate, or if they fail to produce their legal certificates and the notice of supervision, inspection and investigation.

????Article 156 When an insurance supervision and administration institution performs its duties according to law, the units and individuals under inspection and investigation shall cooperate.

????Article 157 The staff of an insurance supervision and administration institution shall be loyal to their duties, act in accordance with the law, be fair and honest, and shall not seek illegitimate interests by taking advantage of their positions, nor disclose the business secrets of the relevant units and individuals they know.

????158th the State Council insurance supervision and management institutions shall establish a supervision and management information sharing mechanism with the People’s Bank of China and other financial supervision and management institutions in the State Council.

????When an insurance supervision and administration institution performs its duties according to law and conducts supervision, inspection and investigation, the relevant departments shall cooperate with it.

????Chapter VII Legal Liability
????Article 159 Whoever, in violation of the provisions of this Law, establishes an insurance company, an insurance asset management company or illegally engages in commercial insurance business shall be banned by the insurance supervision and administration institution, and his illegal income shall be confiscated, and he shall also be fined from one time to five times his illegal income; If there is no illegal income or the illegal income is less than 200,000 yuan, a fine of not less than 200,000 yuan but not more than 1 million yuan shall be imposed.

????Article 160 Whoever, in violation of the provisions of this Law, establishes a professional insurance agency or insurance broker without authorization, or engages in insurance agency business or insurance brokerage business without obtaining an insurance agency business license, shall be banned by the insurance supervision and administration institution, and his illegal income shall be confiscated, and a fine of not less than one time but not more than five times his illegal income shall be imposed; If there is no illegal income or the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed.

????Article 161 Where an insurance company violates the provisions of this Law and operates beyond the approved business scope, the insurance supervision and regulation institution shall order it to make corrections within a time limit, confiscate its illegal income and impose a fine of not less than one time but not more than five times its illegal income; If there is no illegal income or the illegal income is less than 100,000 yuan, a fine of more than 100,000 yuan and less than 500,000 yuan shall be imposed. If it fails to make corrections within the time limit or causes serious consequences, it shall be ordered to suspend business for rectification or revoke its business license.

????Article 162 If an insurance company commits one of the acts specified in Article 116 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; If the circumstances are serious, its business scope shall be restricted, it shall be ordered to stop accepting new business or its business license shall be revoked.

????Article 163 If an insurance company violates the provisions of Article 84 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 10,000 yuan but not more than 100,000 yuan.

????Article 164 If an insurance company violates the provisions of this Law and commits any of the following acts, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan:

????(1) Overunderwriting, and the circumstances are serious;
????(2) Underwriting insurance with death as the condition for paying insurance benefits for persons without civil capacity.
????Article 165 Whoever, in violation of the provisions of this Law, commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections and be fined between 50,000 yuan and 300,000 yuan; If the circumstances are serious, its business scope may be restricted, it may be ordered to stop accepting new business or its business license may be revoked:

????(a) failing to deposit the deposit in accordance with the provisions or using the deposit in violation of the provisions;
????(2) Failing to withdraw or carry forward various liability reserves in accordance with regulations;
????(3) Failing to pay the insurance protection fund or withdraw the provident fund in accordance with the provisions;
????(4) Failing to handle reinsurance in accordance with regulations;
????(5) Failing to use the funds of the insurance company in accordance with the provisions;
????(six) the establishment of branches or representative offices without approval;
????(7) Failing to apply for approval of insurance clauses and insurance rates as required.
????Article 166 If an insurance agency or insurance broker commits one of the acts specified in Article 131 of this Law, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; If the circumstances are serious, the business license shall be revoked.

????Article 167 If an insurance agency or insurance broker violates the provisions of this Law and commits any of the following acts, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 20,000 yuan but not more than 100,000 yuan; If the circumstances are serious, it shall be ordered to suspend business for rectification or revoke its business license:

????(1) Failing to pay the deposit or take out professional liability insurance in accordance with the regulations;
????(2) Failing to set up special account books to record business income and expenditure in accordance with regulations.
????Article 168 Where a professional insurance agency or insurance broker violates the provisions of this Law by setting up a branch or changing its organizational form without approval, the insurance supervision and regulation institution shall order it to make corrections and impose a fine of not less than 10,000 yuan but not more than 50,000 yuan.

????Article 169 Anyone who, in violation of the provisions of this Law, hires a person who does not have the post-holding qualification or employment qualification shall be ordered by the insurance supervision and administration institution to make corrections and be fined between 20,000 yuan and 100,000 yuan.

????Article 170 Whoever, in violation of the provisions of this Law, transfers, leases or lends a business license shall be fined not less than 10,000 yuan but not more than 100,000 yuan by the insurance supervision and regulation institution; If the circumstances are serious, it shall be ordered to suspend business for rectification or revoke its business license.

????Article 171 Anyone who violates the provisions of this Law and commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections within a time limit; If no correction is made within the time limit, a fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed:

????(a) failing to submit or keep reports, statements, documents and materials in accordance with the provisions, or failing to provide relevant information and materials in accordance with the provisions;

????(2) Failing to submit the insurance clauses and insurance rates for the record as required;
????(3) Failing to disclose information as required.
????Article 172 Whoever, in violation of the provisions of this Law, commits any of the following acts shall be ordered by the insurance supervision and regulation institution to make corrections and be fined between 100,000 yuan and 500,000 yuan; If the circumstances are serious, its business scope may be restricted, it may be ordered to stop accepting new business or its business license may be revoked:

????(1) Compiling or providing false reports, statements, documents and materials;
????(2) Refusing or obstructing the supervision and inspection according to law;
????(3) Failing to use the approved or filed insurance clauses and insurance rates in accordance with regulations.
????Article 173 If an insurance company, an insurance asset management company, an insurance professional agency or an insurance broker violates the provisions of this Law, the insurance supervision and administration institution shall, in addition to punishing the unit in accordance with the provisions of Articles 161 to 172 of this Law, give a warning to the directly responsible person in charge and other directly responsible personnel, and impose a fine of not less than 10,000 yuan but not more than 100,000 yuan; If the circumstances are serious, the post-holding qualification or employment qualification shall be revoked.

????Article 174 If an individual insurance agent violates the provisions of this Law, the insurance supervision and administration institution shall give him a warning and may impose a fine of less than 20,000 yuan. If the circumstances are serious, a fine of not less than 20,000 yuan but not more than 100,000 yuan may be imposed, and its qualification certificate may be revoked.

????If a person who has not obtained legal qualifications engages in personal insurance agency activities, the insurance supervision and administration institution shall give him a warning and may impose a fine of less than 20 thousand yuan; If the circumstances are serious, a fine of not less than 20,000 yuan but not more than 100,000 yuan shall be imposed.

????Article 175 If a foreign insurance institution establishes a representative office in People’s Republic of China (PRC) without the approval of the insurance regulatory authority in the State Council, it shall be banned by the insurance regulatory authority in the State Council, and a fine of 50,000 yuan to 300,000 yuan shall be imposed.

????If a representative office established by a foreign insurance institution in People’s Republic of China (PRC) engages in insurance business activities, the insurance supervision and administration institution shall order it to make corrections, confiscate its illegal income and impose a fine of not less than one time but not more than five times its illegal income; If there is no illegal income or the illegal income is less than 200,000 yuan, a fine of more than 200,000 yuan and less than 1 million yuan shall be imposed; The chief representative may be ordered to be replaced; If the circumstances are serious, its representative office shall be revoked.

????Article 176 An applicant, an insured or a beneficiary who commits any of the following acts and engages in insurance fraud, which does not constitute a crime, shall be given administrative punishment according to law:

????(1) The applicant intentionally fabricates the subject matter of insurance to defraud the insurance money;
????(2) fabricating an insurance accident that has never happened, or fabricating a false cause of the accident or exaggerating the degree of loss to defraud insurance money;

????(3) Deliberately causing an insurance accident and defrauding insurance money.
????If an appraiser, appraiser or witness of an insurance accident intentionally provides false documents to provide conditions for the applicant, the insured or the beneficiary to commit insurance fraud, he shall be punished in accordance with the provisions of the preceding paragraph.

????Article 177 Whoever violates the provisions of this Law and causes damage to others shall bear civil liability according to law.

????Article 178 Whoever refuses or obstructs an insurance supervision and administration institution and its staff from exercising their powers of supervision, inspection and investigation according to law, without resorting to violence or threats, shall be given administrative penalties for public security according to law.

????179th violation of laws and administrative regulations, if the circumstances are serious, the the State Council Insurance Regulatory Authority may prohibit the relevant responsible personnel from entering the insurance industry for a certain period of time until life.

????Article 180 The personnel engaged in supervision and management of insurance supervision and management institutions shall be punished according to law in any of the following circumstances:

????(1) approving the establishment of an institution in violation of regulations;
????(2) Examining and approving insurance clauses and insurance rates in violation of regulations;
????(three) on-site inspection in violation of regulations;
????(4) Inquiring about accounts or freezing funds in violation of regulations;
????(5) disclosing the business secrets of the relevant units and individuals that he knows;
????(six) the implementation of administrative punishment in violation of regulations;
????(seven) other acts of abuse of power and dereliction of duty.
????Article 181 Whoever violates the provisions of this Law and constitutes a crime shall be investigated for criminal responsibility according to law.

????Chapter VIII Supplementary Provisions
????Article 182 An insurance company shall join an insurance industry association. Insurance agents, insurance brokers and insurance assessment institutions may join insurance industry associations.

????The insurance industry association is a self-regulatory organization of the insurance industry and a social group legal person.
????Article 183 This Law is applicable to the commercial insurance business operated by insurance organizations established according to law other than insurance companies.

????Article 184 The relevant provisions of the Maritime Code of People’s Republic of China (PRC) shall apply to marine insurance; Where there are no provisions in the Maritime Code of People’s Republic of China (PRC), the relevant provisions of this Law shall apply.

????Article 185 The provisions of this Law shall apply to Chinese-foreign equity joint insurance companies, wholly foreign-owned insurance companies and branches of foreign insurance companies. Where there are other provisions in laws and administrative regulations, such provisions shall apply.

????Article 186 The State supports the development of insurance services for agricultural production. Agricultural insurance shall be stipulated separately by laws and administrative regulations.

????Compulsory insurance, if there are other provisions in laws and administrative regulations, shall apply.
????Article 187 This Law shall come into force as of October 1, 2009.
?

Yesterday afternoon, Xiaomi officially released its latest TV: Xiaomi TV 4.This is Xiaomi’s thinnest TV at present, with a thickness of 4.9mm, but the 4.9mm TV has already appeared.

In the past two years, "ultra-thin" is a product technology trend that is gradually heating up in the TV industry. The 4.9mm ultra-thin TV has been introduced, including Sony and Skyworth in traditional TV and Micro Whale in Internet TV, and now Xiaomi has joined. This ultra-thin camp is getting bigger and bigger. Let’s take stock of several 4.9mm ultra-thin TVs on the market.

The first choice is Xiaomi TV 4, its biggest feature is that the thickness of the screen of the fuselage is only 4.9 mm, and it has a minimalist metal frame, which looks excellent in visual effect.

Xiaomi TV 4

Xiaomi TV 4 uses Amlogic 64-bit flagship processor and 2GB+8GB memory. Xiaomi TV 4 uses Samsung and LG to customize the 4K screen, the fifth-generation image quality engine, borderless design, standard Bluetooth voice remote control, and supports the PatchWall artificial intelligence voice system.

Xiaomi TV 4

Xiaomi TV 4 comes in three sizes: 49-inch, 55-inch integrated design and 65-inch split design, and the prices are 3,499 yuan, 3,999 yuan and 9,999 yuan respectively. Even the 65-inch 9999 yuan is much cheaper than the price of 14,000 yuan that people guessed before.

In terms of content, Xiaomi TV cooperates with integrated broadcast control platforms such as Future TV and Galaxy Internet TV, and introduces all the contents of the four video giants: iQiyi, Tencent Video, Sohu Video and PPTV. PatchWall puzzle wall artificial intelligence system continuously learns users’ viewing habits, and makes accurate content recommendations for different people, thus shortening the time for users to find films.

commentIt’s hard to get it now, but it’s really cheap! Undoubtedly, after this TV came out, the prices of the 4.9mm TVs to be discussed below were all reduced, and the diving range was great … …

Sony X9000C

The earliest 4.9mm ultra-thin TV was the X9000C released by Sony in 2015.. It adopts a brand-new design concept of "floating in the air" in its appearance design. The ultra-narrow frame, simple lines, unique base bracket and other components outline its overall refined and calm atmosphere, reflecting the visual impact brought by ultra-thinness.

Sony X9000C

The reason why Sony can be so light and thin is that Sony has replaced the light guide plate module, which is usually made of acrylic (acrylic acid), with a glass light guide plate. The glass light guide plate is relatively strong, because a supporting metal plate is missing, and the thickness of the backlight module can be further reduced. Coupled with Sony’s exclusive welding and patented structural design, the result is that the X9000C series has a body thickness of only 4.9 mm.

Sony X9000C

The X9000C not only has an ultra-thin body, but also has powerful built-in hardware. The X9000C is equipped with a brand-new 4K image processing chip X1, and Sony’s unique elite optical control PRO, 4K fast image processing engine PRO and Teli Charm color display technology also help the image quality of the X9000C reach a new height.

Sony X9000C

Sony X9000C series new TV is equipped with the latest Android 5.0 intelligent operating system, which allows users to download APP applications at will to continuously expand the functions of the TV, and achieve faster operation by using Sony’s own touch remote control or external devices.

comment: Dafa is good, and the picture quality is first-class! At present, the 65-inch KD-65X9000C on Sony official website sells for 19999 yuan, and the 55-inch KD-55X9000C sells for 12999 yuan.

Skyworth G8S

Skyworth G8S is also a 4.9mm TV, which was launched a year ago. Skyworth G8S adopts the ArtSlim 2nd generation module imported from Korea, with more precise bonding technology, which narrows the gap between modules, realizes the three-layer integration of display panel modules, and makes the TV look thinner, as thin as 4.9 mm..

Skyworth G8S

Skyworth G8S is also one of the few borderless TVs in the industry. It adopts the latest GIP technology (Gate-drive-Ic-in panel), simplifies the driving circuits originally placed on both sides, completely hides them in the panel, and uses aerospace-grade seamless bonding technology to directly attach the glass to the middle frame of the backlight module, thus saving the space of the face frame. Make the TV completely throw away the shackles of the frame, so that users are unaware of the existence of the TV when watching, and have a more real and broader feeling and a comprehensive screen.

Skyworth G8S

Skyworth G8S series TV adopts LG Display 4-color 4IPS hard screen and 10-bit HDR technology, which complement the wide color gamut technology to make the color transition more natural and provide complete color expression. At the same time, in order to reduce the tailing phenomenon, 4K MEMC+ motion compensation technology is added. G8S adopts JBL front audio, and reduces the loss of sound quality through Dolby and DTS double decoding technology; Symmetric passive filtering architecture further filters the noise, providing a delicate sound stage experience and reducing distortion.

Skyworth G8S series TV is equipped with 64-bit 4-core A53 chip, 6-core GPU, 2GB DDR3 running memory and 8GB storage. Cool open system is adopted, which is easy to operate, and there is a children’s mode to prevent children from indulging. In terms of content, Skyworth G8S series TV cooperates with Tencent Film and Television backstage, and the latest and hottest content resources are available.

Skyworth G8S TV has an ultra-thin body of 4.9mm, a "full screen" designed without borders, a high-end audio-visual experience created by HDR technology and JBL audio, a smooth use experience created by 64-bit quad-core chips and the latest cool open system, the latest and hottest content resources, and all the functions are advanced in the industry, which generally constitutes a high-end TV with exquisite design and smooth use. Skyworth 65G8S is currently priced at 9999 yuan in official website, and 55G8S is 5999 yuan.

commentAs an old-fashioned color TV enterprise, Skyworth’s own mature manufacturing and maintenance after-sales system is still reliable, and the G8S has already been released for sale, and consumers can buy it at any time.

Zuibao a series

The micro whale "drunk thin" A series is a TV with the thinnest part of the fuselage of only 4.9mm, which was released last month. In appearance, the selling point of Zuibao A series is to realize the "three-limit ultra-thin size" of "the thinnest part is 4.9mm", "the thickest part is 25mm" and "the wall is 3mm".

Zuibao a series

The drunken A series uses Samsung 4K LCD panel, which has no border design. The static contrast ratio is 6000:1, equipped with "Ruili" technology, which can "intelligently adapt" according to the content of the picture, automatically achieve a smooth moving picture under any circumstances, and generate fresh and natural colors.

Zuibao a series

Configuration, the CPU is Mstar 6A838, the GPU is ARM Mali-T820, with 2GB DDR3 dual-channel memory and 32GB eMMC storage space, which belongs to the mid-range configuration at present.

Zuibao a series

The WUI system of Micro Whale 2.0, with bookshelf presentation and tag system, can make the page more concise and clear, make the operation smoother and smoother, and facilitate users to add massive applications and support intelligent voice control. In addition, Micro Whale and Microsoft’s "double micro-cooperation" are based on Microsoft’s face recognition technology, creating a child lock function that mothers love.

The 55-inch rack version of Micro Whale TV A series is sold in official website for 8999 yuan, and the 65-inch version is 16999 yuan (to be sold).

Foreword

　　Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has attached great importance to seed industry, and repeatedly stressed the need to make up his mind to develop national seed industry and ensure national food security from the source. When the General Secretary of the Supreme Leader presided over the deliberation of the seed industry revitalization action plan in 2021, he emphasized that agricultural modernization is based on seeds, and the safety of seed sources should be raised to a strategic level related to national security. The 20th National Congress of the Communist Party of China put forward the important task of accelerating the construction of a strong agricultural country and consolidating the foundation of food security in all directions, and called for in-depth implementation of the seed industry revitalization action. At the Central Rural Work Conference in 2022, the General Secretary of the Supreme Leader emphasized that the seed industry revitalization action should be effectively achieved and the home-grown varieties should be firmly in their own hands. These important instructions and strategic arrangements have pointed out the way forward and provided fundamental follow-up for promoting the revitalization of seed industry in the new era and new journey.

　　In recent years, it is an important period for the rapid development of seed industry in China. The vitality of breeding innovation has been released and the pace of variety breeding has been obviously accelerated. In terms of the number of varieties, the number of approved varieties has increased greatly, providing more varieties for agricultural production; In terms of variety quality, high-quality green varieties are accelerated, which provides an important variety guarantee to meet the needs of people’s better life; In terms of variety types, special varieties have been approved one after another, which provides strong variety support for adapting to the transformation of agricultural production mode. At the same time, we should also see that with the rapid growth of the number of varieties, the problem of homogenization of varieties has become increasingly prominent, which is not conducive to the innovation and upgrading of varieties, but also brings difficulties to farmers’ scientific selection and use of seeds.

　　Ensuring the stable and safe supply of grain and important agricultural products has always been a top priority in building an agricultural power, and breeding and popularizing excellent varieties plays an important role in achieving this major strategic goal. In order to speed up the popularization and application of excellent varieties, improve the yield and quality level, and help guide farmers to select seeds scientifically and use seeds correctly, the Ministry of Agriculture and Rural Affairs has decided to compile and publish a national catalogue for the promotion of excellent varieties of crops from 2023, effectively guiding the industry to focus on demand breeding innovation and speeding up the upgrading of varieties.

I. General situation

　　In 2023, this catalogue will release 10 kinds of crops, including rice, wheat, corn, soybean, cotton, rape, peanut, potato, Chinese cabbage and cabbage, focusing on classification to guide the popularization and application of crop varieties. The released varieties include four types, including backbone type, growth type, emerging type and special type, forming a relatively complete variety promotion echelon to better serve the needs of agricultural seeds and farmers’ seed selection.

　　The backbone varieties have been approved (registered) for more than five years, the main grain, cotton and oil varieties have entered the top 10 in the suitable ecological area for three consecutive years, and the key vegetable varieties have entered the fifth place in the country for three consecutive years.

　　The growing variety has been approved (registered) for promotion for more than three years, and has outstanding performance in the national core exhibition base or provincial exhibition evaluation. The promotion area has increased rapidly, and it has entered the top 30 in the suitable ecological area (grain, cotton and oil) or the national (key vegetables), and is expected to grow into a backbone variety.

　　The budding variety is approved (registered) and popularized within three years, with good yield, resistance and quality, excellent comprehensive characters, excellent performance in the national core exhibition base or provincial exhibition evaluation, and great market potential. The formation enterprise or the integrated enterprise of breeding, breeding and promotion plans to promote it, and it is expected to further become a growing and backbone variety.

　　Specially-specialized varieties are newly approved (registered), meet the consumption needs of diversified markets, and can significantly improve the utilization rate of resources such as land, fertilizer, water, light and temperature, or have made breakthroughs and qualitative improvements in yield, resistance, quality, growth period, mechanization and new farming systems (such as ratooning rice and strip compound planting).

　　According to the above classification principle, based on the data of variety test, exhibition evaluation, statistics of main varieties’ extension area and production and operation of seed enterprises, recommended by provincial seed industry management departments and selected by experts, a total of 241 excellent varieties were introduced in 2023, including 36 rice, 29 wheat, 32 corn, 13 cotton, 22 soybeans, 26 rapeseed, 22 peanuts, 20 potatoes and 21 Chinese cabbage.

Second, rice varieties

　　(a) backbone varieties (10)

　　Longjing 31, Nanjing 9108, Huang Huazhan, Jingliangyou 534, Jingliangyou Huazhan, Zhongjiazao 17, Longliangyou Huazhan, Quanyou 822, Yixiangyou 2115 and Meixiangzhan 2.

　　(2) Growing varieties (9)

　　Suijing 27, Jingliangyou 8612, Longliangyou 534, Yexiang Youlisi, Zhongzao 39, Quanyou Silk Miao, Quanliangyou Silk Miao, Yongyou 1540 and Nanjing 5718.

　　(3) Emergent varieties (15 varieties)

　　Weiliangyou 7713, Chuankangyou 2115, Taiyou 808, Weiliangyou 8612, Liangyou 5078, Tsuen Liangyou 069, Zhongzheyou H7, Tsuen Liangyou 1606, Yulongyou 1611, Jiuyou27, Huazheyou 210, Zhuoliangyou 1126, Ningxiangjing No.9 and Qing Xiang Youxiang No.19.

　　(4) Specially specialized varieties (2)

　　Hanyou 73 (water-saving and drought-resistant rice) and Fengliang You Xiang No.1 (ratooning rice).

Third, wheat varieties

　　(a) backbone varieties (10)

　　Jimai 22, Bainong 207, Xinong 979, Zhengmai 379, Shan Nong 28, Luyuan 502, Chuanmai 104, Zhenmai 12, Zhongmai 175 and Zhongmai 1062.

　　(2) Growing varieties (8)

　　Jimai 44, Bainong 4199, Xinong 511, Zhoumai 36, Chuanmai 605, Ningmai 26, Luohan 22 and Zhongmai 36.

　　(3) Emergent varieties (9)

　　Zhongmai 578, Aimai 180, Jimai 765, Lunxuan 49, Chuanfu 14, Chuanmai 93, Young Mai 33, Huamai 11 and Weimai 9.

　　(4) Specially specialized varieties (2)

　　Jingmai 188 (salt-tolerant wheat) and Xiaoyan 60 (salt-tolerant wheat).

Fourth, corn varieties

　　(A) backbone varieties (11)

　　Zheng Dan 958, Xianyu 335, Jingke 968, denghai 605, Demeiya 1, Demeiya 3, Heyu 187, SEAO 29, Jingnongke 728, Zhongdan 808 and Zhengda 808.

　　(2) Growing varieties (8)

　　Yufeng 303, Zhongke Yu 505, Zhengyuanyu 432, Dongdan 1331, Youdi 919, Qiule 368, Xianda 901, MC121.

　　(3) Emergent varieties (8)

　　Jingke 999, Agricultural University 778, Xinghui 908, Zhongyu 303, Luodan 297, Shandan 650, Xiangyu 878 and Tie391.

　　(4) Specially specialized varieties (5)

　　Jingkenuo 2000 (fresh waxy corn), Wannuo 2000 (fresh waxy corn), Jinguan 218 (fresh sweet corn), Beinong Silage 368 (silage corn) and Shenbao 6 (popcorn).

Five,Soybean varieties

　　(a) backbone varieties (10)

　　Heihe 43, Qihuang 34, Keshan 1, Dengke 5, Zhonghuang 13, Jinyuan 55, Jidou 12, Henong 95, Dongnong 63 and Huajiang 2.

　　(2) Growing varieties (6)

　　Suinong 52, Heinong 84, Zhonghuang 901, Mengdou 1137, Hedou 33 and Henong 85.

　　(3) Emergent varieties (2)

　　Sui Nong 94, Zheng 1307.

　　(4) Specially specialized varieties (4)

　　Suitable for soybean and corn strip compound planting: Handou 13, Xudou 18, Nanxiadao 25 and Jidou 17.

Six, rape varieties

　　(a) backbone varieties (9)

　　Fengyou 737, Fengyou 730, Huayouza 62, zhongshuang 11, Huayouza 9, Sunshine 2009, Qinyou 10, Zheyou 50 and Qingza 5.

　　(2) Growing varieties (6)

　　Qingyou 3, Zhongyouza 19, Dadi 199, Huayouza 50, Ganyouza 8 and Qingza 12.

　　(3) Emergent varieties (6)

　　Zhongyouza 501, Changyou 777, Chuanyou 81, Qinyou 1618, Ningza 182 and Baoyou 150.

　　(4) Specially specialized varieties (5)

　　Sunshine 131 (short-growing rape), Fengyou 320 (short-growing rape), Huayouza 62R (clubroot-resistant rape), Huayou 2129 (high-oleic rape) and Kangyou 3 (yellow-seeded high-oleic rape).

Seven, peanut varieties

　　(a) backbone varieties (9)

　　Shanhua 9, Yuhua 37, Shanhua 7, Yuanza 9102, Huayu 23, Yuhua 23, Huayu 25, Wanhua 2 and Zhongkaihua 1.

　　(2) Growing varieties (4)

　　Yuhua No.22, Kainong No.71, Jihua No.19 and Fuyu are four red.

　　(3) Emergent varieties (5)

　　Hanghua 2, Yuhua 18, Tianfu 33, Yuhua 93 and Zhonghua 215.

　　(4) Specially specialized varieties (4)

　　Jihuatian No.1 (high sugar content fresh food), Shuhua No.9 (high sugar content fresh food), Jihua No.23 (extra-early-maturing variety) and Yuhua No.29 (black peanut variety).

Eight, cotton varieties　

　　(a) backbone varieties (5)

　　Lumianyan 37, Xinluzhong 67, Xinluzhong 66, Huiyuan 720 and Hua Zamian H318.

　　(2) Growing varieties (3)

　　Tahe 2, Xinluzao 84 and Xinluzhong 87.

　　(3) Emergent varieties (2)

　　Zhong 7700 and Zhongshengmian 17.

　　(4) Specially specialized varieties (3)

　　Yuanmianxin 13305 (machine-harvested variety), Gangzamian 10 (special high-strength variety) and Zhongmian 425 (early-maturing variety).

Nine, potato varieties

　　(a) backbone varieties (4)

　　Feiwuruita, Jizhangshu No.12, Longshu No.7, Atlantic Ocean.

　　(2) Growing varieties (6)

　　Lishu 6, Zhongshu 5, Jinshu 16, Longshu 10, Xisen 6 and Yunshu 505.

　　(3) Emergent varieties (6)

　　Zhongshu 27, Zhongshuzao 35, Longshu 12, Minshu 1, Qianyu 8 and Hubei Potato 16.

　　(4) Specially specialized varieties (4)

　　Zhongshuzao 39 (fresh, starch-processed variety), Dongnong 310 (starch-processed variety), Kexin 30 (fresh, fried chips and fried strips) and Yunshu 304 (fried chips, fried strips and zinc-rich potato chips).

X. Varieties of Chinese Cabbage

　　(a) backbone varieties (9)

　　Improved Qingza No.3, Jiaoshu Qiuqiu Wang, Zaoshu No.5, Xixing 90, Jingqiu No.3, Niupai No.19, Hualiang 836, Xixing 78 and Jingyan Kuaicai No.2..

　　(2) Growing varieties (8)

　　Jingyan Fast Food, CR117, Xiaoyi Heqiu, Xinxiang Xiaobao 23, Qinghua 76, Hualiang 2000, Qiulv 60 and Youlv 3.

　　(3) Emergent varieties (2)

　　Sagitar 8, Jingqiu 1518.

　　(4) Specially specialized varieties (2)

　　Dongguan 097 (high taste quality variety) and Lvzhu70 (high taste quality variety).

Eleven, cabbage varieties

　　(a) backbone varieties (3)

　　Jingfeng 1, Zhonggan 11 and Zhonggan 21.

　　(2) Growing varieties (8)

　　Zhonggan 8398, Zhonggan 628, Zhonggan 56, Zhonggan 15, Chunfeng, Zhengchun, Xiyuan No.4 and Qiushi No.1..

　　(3) Emergent varieties (9)

　　YR zhonggan 21, zhonggan 1305, xinggan 23, bright ball, shuanghuan 60, prospect 2, full moon 55, xinggan 279 and chunfeng 007.

　　

　　

　　See the annex for the text.

　　Xinhua News Agency, Beijing, March 7 (Reporter Pan Linqing) Wang Xiulin, member of Chinese People’s Political Consultative Conference and vice chairman of Qingdao Municipal Political Consultative Conference, pointed out that the integration of urban and rural sanitation is a livelihood project to meet people’s expectations and improve rural living environment. In recent years, the integration of urban and rural sanitation in China has improved significantly, but management still needs to be further strengthened.

　　Wang Xiulin said that at present, there are three main problems in the integration of urban and rural sanitation. First, there are double standards in urban and rural areas in environmental governance, and there is a lack of overall planning; Second, the comprehensive management of urban and rural environment "Jiulong Water Control", planning, construction, environmental protection, water conservancy, agriculture and other departments "all manage one pool", it is difficult to form a joint force; Third, the disclosure of environmental protection information is restricted.

　　Wang Xiulin suggested that the overall standards for urban and rural sanitation management should be established, the urban-rural and regional divisions should be effectively broken, and unified standards for planning, construction, operation, monitoring, governance and emergency should be realized for sewage treatment and garbage disposal. We should earnestly establish the concept of "green development" among leading cadres at all levels, especially the main leaders of provinces and cities, establish a system of joint departmental meetings, strengthen the cooperation and linkage of planning, construction, public utilities, agriculture, environmental protection, publicity and other departments, pay close attention to supervision and assessment, and strengthen the accountability of accidents.

　　Wang Xiulin proposed to improve the environmental information disclosure mechanism. For example, we can speed up the transformation of the environmental monitoring system model, establish a data warehouse that meets the requirements of the real-time "full monitoring" model on the premise of realizing the unified standards and interconnection of monitoring statistical data management systems in environmental protection, water conservancy, agriculture and other departments, and coordinate the layout of environmental monitoring stations such as regional pollution sources and key river basins, so as to integrate and upgrade the current "segmented monitoring" system into a unified and real-time "full monitoring".

On June 18th, some netizens commented in the comment area of Xiaomi co-founder and deputy director @ Lin Bin _Bin, "Bin can’t convince Mr. Lei, and the price of Xiaomi YU7 is 25.59 (ten thousand)." Lin Bin replied, "No". ?

As you can see, when netizens suggested that YU7 should be priced at 255,900 yuan, Lin Bin directly denied it as "no", indicating that Xiaomi has a clear bottom line for pricing.

At the press conference on the evening of May 22nd, Lei Jun compared the parameters of Xiaomi YU7 and Model Y one by one. Regarding the price of Xiaomi YU7, Lei Jun revealed: "Model Y is priced at 263,500 yuan, and I think YU7 looks at these configurations at least 60,000 to 70,000 yuan. Many people on the Internet say that we have to set 199,000 yuan, which is impossible. This configuration is priced at Model Y without more than 300,000 yuan. "

province city Retailer name address fixed-line telephone Shandong(Province) Jinan Shandong runtong No.241, Jiyan Road, Jinan City 0531-87299859 Shandong(Province) Jinan Shandong huarui No.60-5 Gongye South Road, Jinan City 0531-88940826 Shandong(Province) Jinan Shandong hongfa senyue No.233 Yingxiongshan Road, Jinan (the first floor of the Municipal Federation of Literary and Art Circles) 0531-82787010 Shandong(Province) Jinan Shandong luyue Gaijiagou International Logistics Center on the north side of Lingdian Interchange of Ji ‘nan Jiqing Expressway 0531-88276777 Shandong(Province) Qingdao Urban vehicles in Shandong province No.7 Fuzhou North Road, Shinan District, Qingdao 0532-86122179 Shandong(Province) Qingdao Qingdao Chengda No.53 Lishan East Road, Laoshan District, Qingdao 0532-86122179 Shandong(Province) Qingdao Qingdao Shenlongda No.165 Chongqing South Road, Qingdao 0532-86101808 Shandong(Province) Qingdao Qingdao celebrity vehicle store No.59 Yanqing Road, jimo city 0532-86101808 Shandong(Province) Yantai Yantai huayang Datong No.96 Airport Road, Zhifu District, Yantai City 0535-6011555-8050 Shandong(Province) Yantai Yantai Dacheng Huamei No.19, hengshan road, Yantai Development Zone 0535-6956088 Shandong(Province) Weifang Shandong Weifang Runda No.1 Xuanwu East Street, Weifang Economic and Technological Development Zone 0536-8676999 Shandong(Province) Weifang Shandong Weifang Runbao No.399 Weizhou Road, Kuiwen District, Weifang City 0536-8676999 Shandong(Province) Weifang Weifang ruitong Intersection of National Highway 309 and West Second Ring Road, Bei Gong West Street, Weifang City 0536-8161388 Shandong(Province) Jining Jining runtong Jining High-tech Zone Runhua Auto Plaza (No.88, National Highway 327) 0537-2987609 Shandong(Province) Linyi Shandong ruida Linyi Mengshan Avenue North Section China Shopping Mall Exhibition Center North Zone 0539-7111025 Shandong(Province) Linyi Linyi guanhua 100 meters west of Linyi Automobile City, the intersection of Tongda Road and yi river Road, Linyi City, Shandong Province. 0539-7068138 Shandong(Province) Weihai Weihai Merida No.228 Qingdao South Road, Weihai City 0631-5929666 Shandong(Province) Zibo Zibo Antai No.146 Shanquan Road, Zhangdian District, Zibo 0533-2972000 Shandong(Province) sunshine Rizhao hongfa Kuishan Street, Rizhao Economic Development Zone 0633-3933866 Shandong(Province) Zaozhuang Zaozhuang xintong Guangming West Road, High-tech Zone, Zaozhuang City 0632-7660000 Shandong(Province) Tai ‘ an Taian Qiangshi Bank No.125 Dongyue Street, Tai ‘an City 0538-6166677 Shandong(Province) Dongying Dongying Tianchi East of 880m south of Wugan Bridge, Xisi Road, Dongying City 0546-7771779 Shandong(Province) Texas Dezhou tongtu Business Center of Xincheng District, Dezhou City, Shandong Province 0534-2719999 Shandong(Province) Laiwu Laiwu hongfa huamao Yuntaishan Road, Development Zone, Laiwu City 0634-8816666 Shandong(Province) Liaocheng Liaocheng jintong auto sales service co., ltd In Liuyuan Industrial Park, Dongchangfu District, Liaocheng City, Shandong Province 0635-8536777 Tianjin Tianjin Tianjin silian No.1, Automobile Park Middle Road, Airport Logistics Processing Zone, Dongli District, Tianjin 022-84909826 Tianjin Tianjin Tianjin Shenglu No.10 Taifeng Road, Tianjin Development Zone 022-84909826 Tianjin Tianjin Tianjin Zhongping Shangtong No.74 Xianyang Road, Nankai District, Tianjin (intersection with Changjiang Road) 022-27367068 Hebei Shijiazhuang Hebei shenghua No.456 Yuhua East Road, Shijiazhuang, Hebei Province 0311-85670090 Hebei Shijiazhuang Hebei Yitong No.268, North Second Ring West Road, Shijiazhuang City, Hebei Province 0311-87736548 Hebei Baoding Baoding Yili No.192 Chaoyang North Road, Baoding City 0312-3133205 Hebei Handan Handan Shenghua East of No.200 Road, Southbound Roundabout, Hufu Riding and Shooting in the North of Donghuan Road, Handan City 0310-7120666-816 Hebei Tangshan Tangshan silian Tangshan High-tech Development Zone Jianshe North Road 0315-3852895 Hebei Qinhuangdao Qinhuangdao jietong No.113, West Outer Ring Road, Qinhuangdao Development Zone 0335-5990555 Hebei Cangzhou Cangzhou Yichang No.12, Shigang Road, Cangzhou Development Zone 0317-7606044 Shanxi Taiyuan Shanxi Baoding No.319 Xuefu Road, Taiyuan City, Shanxi Province 0351-7539812 Shanxi Taiyuan Shanxi meitong Shanxi Taiyuan Yingze Bridge Xiqiliu Road West Exit/Entrance 0351-6130333 Shanxi Changzhi Changzhi jingtong Jiefang West Street, Changzhi City, Shanxi Province 0355-6069161 Shanxi Great harmony Shanxi bigao No.59 Xinjian South Road, Datong City, Shanxi Province 0352-5042995 Inner Mongolia Huhehot Hohhot lifeng Hohhot jinhai road lifeng automobile cultural plaza Buick specialty store 0471-3388237 Inner Mongolia Ordos Lifeng, Ordos City, Inner Mongolia 92km from Baodong Expressway, Dongsheng District, Ordos City, Inner Mongolia. 0477-8560242 Inner Mongolia head wrapper Baotou mengtong No.38 Gangtie Street, Baotou City, Inner Mongolia 0472-2218587 Liaoning (Province) Shenyang Shenyang xintong No.9 Dongling West Road, Dadong District, Shenyang 0412-88444999 Liaoning (Province) Shenyang Liaoning Xinyi No.8 Beier Middle Road, Tiexi District, Shenyang　 024-25112260 Liaoning (Province) Anshan Liaoning xintong No.215 Jiefang West Road, qianshan district City, Anshan City 0412-8256218 Liaoning (Province) Shenyang Liaoning Tianhe No.130, Huanghe North Street, Yuhong District, Shenyang 024-86552598 Liaoning (Province) Jinzhou Jinzhou Tianhe No.231 Jinyi Road, Jinzhou City, Liaoning Province 0416-4681599 Liaoning (Province) Dalian Dalian shangtong No.666 Huabei Road, Ganjingzi District, Dalian 0411-86527504 Liaoning (Province) Dalian Dalian fusida No.293 Huabei Road, Ganjingzi District, Dalian 0411-86595555 Liaoning (Province) panjin Panjin shangtong East of Shuangxing Road, Industrial Development Zone, Xinglongtai District, Panjin, Liaoning 0427-2881219 Heilongjiang Province Harbin Harbin meitong No.167 Zhongshan Road, nangang district, Harbin 0451-82660080 Heilongjiang Province grand celebration Daqing yeqin Financial Street, Weier Road, Dongfeng New Village, Saertu District, Daqing (the side building of China Everbright Bank) 0459-6386377 Heilongjiang Province Qiqihar Qiqihar Juntong Qiqihar Qifu Highway Automobile City 0452-6106603 Jilin (Province) Changchun Jilin Yongtong No.20 Kaixuan Road, Kuancheng District, Changchun City, Jilin Province 0431-2929002 Jilin (Province) Changchun Changchun Jindazhou Road Tong No.2656, Southeast Lake Road, Changchun Economic and Technological Development Zone 0431-84688005 Jilin (Province) Jilin (Province) Jilin Yongtong No.177 Yueshan Road, chuanying, Jilin 0432-2128444 Sichuan(Province) Chengdu Chengdu Ji Xiang No.163 Shuxi Road, Yangxi Line, Chengdu 028-87513000-8207 Sichuan(Province) Chengdu Sichuan shenrong No.61 Shunjiang Section, Wuhou Avenue, Chengdu 028-85365236 Sichuan(Province) Chengdu Sichuan ganghong Mailbox B-26, 1km from Airport Road, Chengdu High-tech Zone 028-85156622-26 Sichuan(Province) Mianyang Mianyang Ji Xiang No.45 Dongjin Road, Youxian District, Mianyang City 0816-2293808 Sichuan(Province) Neijiang Neijiang ganghong No.38 ~ 48 Shuangsu Road, Shizhong District, Neijiang City 0832-8306000 Sichuan(Province) Leshan Leshan shentong No.106, Bai Yan Road, Shizhong District, Leshan 0833-2440090 Sichuan(Province) Deyang Deyang dongxin Sichuan Deyang Bajiao Industrial Park 0838-2602777 Sichuan(Province) Nanchong Sichuan pinxin Jianan Road, Nanchong City, Sichuan Province (Automobile City) 0817-8126789 Xizang Lhasa Lhasa kangda No.158 Jinzhu West Road, Lhasa 0891-6868458 Fujian(Province) Xiamen Xiamen taicheng Building AB, Guomao Avenue, Hubin South Road, Xiamen 0592-2639876 Fujian(Province) Longyan Longyan taicheng Longyan Avenue Expressway toll office is 900 meters. 0597-2776063 Fujian(Province) Xiamen Xiamen kailongda No.3125 Tongji South Road, Xiamen 0592-7018873 Fujian(Province) Fuzhou Zhongji zhongtai No.138 Dajing, Huqian, Dongpu Road, Gulou District, Fuzhou City 0591-87725717 Fujian(Province) Fuzhou Fuzhou yongda No.10 Gaoshi Road, Gaishan Investment Zone, Cangshan District, Fuzhou City 0591-88031950-805 Fujian(Province) Quanzhou Quanzhou Tonghai East of citong bridge, Baozhou Road, Quanzhou City 0595-22580688-162 Fujian(Province) Zhangzhou Zhangzhou tonghai Tonghai Automobile City, Yingbin Road, longwen district City, Zhangzhou City 0596-6392888 Fujian(Province) Sanming city Sanming lulutong Building 232, Ganlong New Village, Meilie District, Sanming City (Minzhong Automobile City) 0598-8219111 Yunnan(Province) Kunming Yunnan bowei Kunming, Yunnan Province Gaoxin Xiaotun International Automobile City Buick 4S Store 0871-8357388 Yunnan(Province) Kunming Yunnan hongtong Kunming Huang tu po Xiao tun international automobile city Buick 4S store 0871-8357388 Yunnan(Province) Kunming Yunnan zhongchi No.508, Bailong Road, Kunming (opposite to Expo Auto Market) 0871-5620719 Guizhou (Province) Guiyang Guizhou gantong No.532, Middle Section of Huaxi Avenue, Guiyang (Caosi Road) 0851-3816555 Hunan Changsha Hunan Shenxiang Building A, Shenxiang Auto Plaza, Changsha National Economic and Technological Development Zone 0731-4022800 Hunan Changde Changde shenxiang No.28, North Section of Wuling Avenue, Changde City 　 Hunan Yiyang Yiyang Shenxiang No.451, Yiyang Avenue East, Yiyang City 0737-2696161 Hunan Chenzhou Chenzhou Shenxiang Shenxiang Business Building, Extension Section of Wuling Avenue, Chenzhou City, Hunan Province 0735-2815822 Hunan Yueyang Yueyang Shenda Middle Section of Baling East Road, Yueyang City, Hunan Province 0730-8711987 Hunan Hengyang Hengyang Huxiang No.246 Dongfeng North Road, Zhuhui District, Hengyang City, Hunan Province 0734-8392999 Jiangxi Nanchang Jiangxi yuntong No.1065 Hongdu North Avenue, Nanchang City 0791-8616222 Hubei(Province) Wuhan Wuhan guosheng 　 027-51868320 Hubei(Province) Wuhan Sanhuan Haitong No.4, Sanhuan Industrial Park, Hanyang Economic Development Zone, Wuhan City 027-68840900 Hubei(Province) Wuhan Hubei Bocheng No.6, Huangpu Science Park, Jiang ‘an District, Wuhan 027-65660850 Hubei(Province) Yichang Yichang guosheng No.100 Xiling 1st Road, Dongshan Development Zone, Yichang City, Hubei Province 0717-6341418 Hubei(Province) Shiyan Shiyan Shenxie No.43, Checheng South Road, Shiyan City, Hubei Province 0719-8891777 Hubei(Province) Xiangfan Haitong in Xiangfan Third Ring Road No.6, Chunyuan East Road, Xiangfan City, Hubei Province (Yunwan Section, zhang wan Town) 0710-2835806 Hubei(Province) Jingzhou Haitong, the third ring road of Jingzhou Jingsha Avenue, Jingzhou District, Jingzhou City, Hubei Province (Mahe Fishing Ground) 0716-8423157 Chongqing Chongqing Chongqing Hutong Chongqing High-tech Zone Erlang Road Zhongqi Southwest Automobile Supermarket 023-68669000 Chongqing Chongqing Chongqing ganghong No.76, Changjiang 1st Road, Yuzhong District, Chongqing 023-63675555-162 Zhejiang(Province) Hangzhou Zhejiang mijia No.138 Genshan East Road, Hangzhou 0571-86012888 Zhejiang(Province) Hangzhou Zhejiang minghao No.89 Jiefang Road, Shangcheng District, Hangzhou -1 0571-86012888 Zhejiang(Province) Hangzhou Zhejiang shentong 402 Shaoxing Road, Hangzhou, Zhejiang 0571-85366666-1857 Zhejiang(Province) Hangzhou Zhejiang shentong times West of Hangxing Road, Xiangfu Town, Gongshu District, Hangzhou City, Zhejiang Province (south of Hangzhou Automobile City) 0571-28926666 Zhejiang(Province) Hangzhou Zhejiang kangsheng No.668 Tonghui North Road, Xiaoshan District, Hangzhou 0571-82865558 Zhejiang(Province) Hangzhou Hangzhou Yihe No.988 Jinqiao North Road, Fuyang City, Zhejiang Province (Gao Qiao) 0571-63433300 Zhejiang(Province) Hangzhou Ruitai, Zhejiang No.1001 Gudun Road, Xihu District, Hangzhou City, Zhejiang Province 0571-28009020 Zhejiang(Province) Jinhua Jinhua shentong No.1577 Danxi Road, Jinhua City 0579-2236148 Zhejiang(Province) Yongkang Yongkang Samsung No.2 Keyuan Road, Hardware Science and Technology Industrial Park, Yongkang City, Zhejiang Province 0579-7226815 Zhejiang(Province) Huzhou Huzhou shentong Lingyang Road, Fenghuang Development Zone, Huzhou City 0572-2361968 Zhejiang(Province) Quzhou Quzhou mingtong No.669 Caihong Road, Quzhou Economic Development Zone 0570-8566802 Zhejiang(Province) Jiaxing Jiaxing xiangtong No.2608, Second Ring West Road, Jiaxing City 0573-2718296 Zhejiang(Province) Jiaxing Jiaxing xingtong No.3, Brand Zone, Automobile Trade Park, No.999 Zhonghuan South Road, Jiaxing City 0573-3977122 Zhejiang(Province) Yiwu Zhejiang weibang 100m westbound at the intersection of Jingfa Avenue, Xicheng Road, Yiwu, Zhejiang. 0579-5336611 Zhejiang(Province) Ningbo Ningbo Unicom No.911, South Section of Huancheng West Road, Ningbo 0574-87463605 Zhejiang(Province) Ningbo Ningbo Lian ‘an No.168 Wancheng Road, Shigan Youngor Avenue, Yinzhou District, Ningbo 0574-87491281 Zhejiang(Province) Ningbo Ningbo xingxin No.855, East Section of Huancheng South Road, jiangdong district, Ningbo 0574-87053271 Zhejiang(Province) Ningbo Ningbo jiangbei xingxin No.8 Majing Industrial Park, Zhuang Qiao Street, Jiangbei District, Ningbo 0574-87053271 Zhejiang(Province) Ningbo Ningbo Beilun Xingxin No.9 Yongjiang Road, Dagang Industrial Zone, Beilun, Ningbo 0574-87053271 Zhejiang(Province) Cixi Cixi xingxin No.508, Youth Palace North Road, Cixi City 0574-63039303 Zhejiang(Province) Shaoxing Shaoxing wantong No.311 Chengnan Avenue, Shaoxing City 0575-8065712 Zhejiang(Province) Shaoxing Shaoxing hongsheng 100 meters west of Meishan intersection, North Double Line, Shaoxing, Zhejiang Province 0575-8266999 Zhejiang(Province) Shangyu Shangyu kangyou Hangzhou-Ningbo Expressway Shangyu Exit East Head (next to International Trade City) 0575-2291169 Zhejiang(Province) Yuyao Yuyao huade Yuci Expressway connects Shengyan Triangle Station to the west for 1 km. 0574-62501985 Zhejiang(Province) Zhuji Zhejiang rongtong Zhejiang Zhuji Chengxi Industrial New City (at the junction of Qianxi Road and Second Ring Road) 0575-7387682 Zhejiang(Province) Wenzhou Wenzhou huate No.418 Ouhai Avenue, Ouhai Economic Development Zone, Wenzhou City 0577-86727269 Zhejiang(Province) Wenzhou Wenzhou huate yueqing branch No.360 Ningkang West Road, Le Cheng Zhen, Yueqing City 0577-62511811 Zhejiang(Province) Wenzhou Ryan Walter Beside National Highway 104, Tingqi Village, Tingtian Town, Ruian City, Zhejiang Province 0577-65112857 Zhejiang(Province) Wenzhou Wenzhou Huaying North of Yutian Section of Wenzhou Airport Avenue 0577-86571205 Zhejiang(Province) Taizhou Taizhou Zhiyuan Taizhou luqiao district Fanglin Automobile City 0576-2578118 Zhejiang(Province) Taizhou Taizhou Dongtai East end of Kaifa Avenue, Jiaojiang District, Taizhou City, Zhejiang Province (Shugang Avenue) 0576-8150009 Zhejiang(Province) Wenling Wenling Tongda Junction of Zekan Highway and Jiulong Avenue in Wenling City 0576-6195795 Zhejiang(Province) Linhai Linhai Dachang Linhai chengguan liangshui 0576-5289089 Zhejiang(Province) yongjia Yongjia jiechuang Floor 1, Sunshine Building, sunshine avenue, Yongjia City 0576-7960071 Zhejiang(Province) Cangnan Cangnan Wuzhou Next to New 104 National Road, Lingxi Town, Cangnan County, Zhejiang Province 0577-68702333 Zhejiang(Province) Pingyang Pingyang Unicom Intersection of Xinhe North Road, Aojiang Town, Pingyang County 0577-23896222 Zhejiang(Province) Haining Haining zeyu Intersection of Nanbei Avenue and Luolong Road 0573-7385071 Jiangsu(Province) Nanjing Jiangsu Tianhong 05-06, No.186 Hongshan Road, Nanjing 025-85406852-17 Jiangsu(Province) Nanjing Jiangsu kanghong No.168 Fengtai South Road, jianye district, Nanjing 025-85406852-17 Jiangsu(Province) Nanjing Jiangsu huatong No.246 Ningli Road, Nanjing 025-52886679 Jiangsu(Province) Zhenjiang Zhenjiang henglong Jingshier Road, Dingchang Road, Zhenjiang New Area 0511-8898072 Jiangsu(Province) Changzhou Changzhou Changtong Xiaomiao Village, Hutang Town, Wujin District, Changzhou City 0519-8882299 Jiangsu(Province) Changzhou Changzhou shangtong No.777 Tongjiang Avenue, Xinbei District, Changzhou City 0519-8882299 Jiangsu(Province) Wuxi Wuxi huatong Next to National Highway 312 at Guangnan overpass in Wuxi. 0510-82117072 Jiangsu(Province) Wuxi Wuxi jiutong East of Shanbei Bridge, Jianghai West Road (National Highway 312), Wuxi City 0510-83711000 Jiangsu(Province) Wuxi Wuxi Huitong Jincheng Bridge, Zhongnan Road, nanchang district City, Wuxi City 0510-85413333 Jiangsu(Province) Yangzhou Yangzhou Guangyuan No.393, Yangzijiang Middle Road, Yangzhou City, Jiangsu Province 0514-7890399 Jiangsu(Province) Taizhou Taizhou suyuan tongtai No.19 Qingnian South Road, Taizhou City 0523-6685383 Jiangsu(Province) Suzhou Suzhou jiantong No.238 Mayun Road, Suzhou New District 0512-66658089 Jiangsu(Province) Suzhou Suzhou huacheng No.38 Dongxing Road, Suzhou Industrial Park 0512-66268958 Jiangsu(Province) Suzhou Suzhou huazheng No.138, Zhongshan East Road, Mudu Town, Wuzhong District, Suzhou City 0512-66268958 Jiangsu(Province) Suzhou Suzhou dongchang Dashuwan, Taiyang Road, Xiangcheng District, Suzhou (Xiangcheng Boulevard) 0512-82139999 Jiangsu(Province) Nantong Nantong Yangtze River Shangtong No.28, Changjiang South Road, Nantong City, Jiangsu Province 0513-85729997 Jiangsu(Province) Nantong Nantong new city No.139 Chenggang Road, Nantong City 0513-85600916 Jiangsu(Province) Yancheng Yancheng new city 888, century avenue, Yandu New District, Yancheng City, Jiangsu Province (Bugao Automobile Parts) 0515－3133683 Jiangsu(Province) Taicang Taicang huasu No.1 -2 Dongting North Road, Development Zone, Taicang City, Jiangsu Province 0512-53565833 Jiangsu(Province) Xuzhou Xuzhou haiying Xuzhou citizen Fuyuan commercial street building 1 0516-3666128 Jiangsu(Province) Xuzhou Xuzhou rundong Huitong Next door to Huaihai Group, west of National Highway 104, Chengnan Development Zone, Xuzhou City 0516-3207068 Jiangsu(Province) lianyungang Lianyungang dongfang yuantong South of Nancheng Town Bridge, Xinpu District, Lianyungang City 0518-5912999 Jiangsu(Province) Jiangyin Jiangyin shangtong No.199, Cheng Lu Yang, Jiangyin City 0510-86270175 Jiangsu(Province) Wujiang Wujiang Hecheng Ba Ni Development Zone, Songling Town, Wujiang 0512-63369552 Jiangsu(Province) Changshu Changshu huahong 228 Qingduntang Road, Changshu City 0512-52833169 Jiangsu(Province) Kunshan Kunshan huatong No.1131, Changjiang South Road, Kunshan City, Jiangsu Province 0512-57361383 Jiangsu(Province) Yixing Yixing Yitong Hongtajiao Village, Yicheng Town, Yixing City 0510-87112536 Jiangsu(Province) Zhangjiagang Zhangjiagang sentong No.1 Luyang Road, Zhangjiagang City, Jiangsu Province 0512-58912901 Xinjiang Urumqi Tian Shu, Xinjiang No.10, Changsha South Road, High-tech Industrial Development Zone, Urumqi 0991-3668999 Xinjiang Bazhou Bazhou Tian Shu No.2, Zone A, Shenzhou International Automobile City, No.78 Shihua Avenue, Korla, Xinjiang 0996-2162228 Xinjiang Karamay Xinjiang tianxuan No.39 Yingbin Road, Karamay City 0991-3668999 Qinghai Qinghai Qinghai Saiya No.30 Jinhui Road, Xining Economic and Technological Development Zone, Qinghai Province 0971-8802888-8817 Gansu Lanzhou Gansu saiya No.186 Binhe West Road, Lanzhou City, Gansu Province 0931-2583272 Gansu Jiayuguan Jiayuguan Saiya Intersection of National Highway 312 Airport, Jiayuguan City, Gansu Province 0937-6391867-807 Ningxia Ningxia Ningxia Yitong No.1 Xinyuan Avenue, Desheng Industrial Park, Yinchuan 0951-8988159 Shanxi(Province) Xi’an Shaanxi Huaxing new century C5 Zone, Fengcheng 4th Road, Xi ‘an Economic and Technological Development Zone 029-86528001-458 Shanxi(Province) Xi’an Yuehai, Shaanxi No.58 Xifeng Highway, Yanta District, Xi ‘an 029-88580598-2109 Shanxi(Province) Xi’an Xi’ an qitai No.58 Xifeng Highway, Xi ‘an 029-88580598-2109 Shanxi(Province) Baoji Baoji Tongbao East section of Daqing Road, Baoji City, Shaanxi Province 0917-3420111 Henan(Province) Zhengzhou He ‘nan Zhongtong No.155 Zhongyuan Middle Road, Zhengzhou City 0371-63790992 Henan(Province) Zhengzhou Henan new era No.79 Huayuan Road, Zhengzhou City 0371-65697777-8636 Henan(Province) Zhengzhou He’ nan xulong Intersection of Dongming Road and Shangcheng Road, Zhengzhou City (No.36 Dongming South Road) 0371-66371111 Henan(Province) Luoyang Luoyang meitong No.99 Shachang West Road, Xigong District, Luoyang City 0379-63173333 Henan(Province) Nanyang He’ nan Nanyang wantong East section of Zhangheng Road, Nanyang City 0377-62263209 Henan(Province) Anyang Anyang new era Wenchang Avenue, Development Zone, Anyang City, Henan Province, 500 meters east of Hardware & Electric Power TV University World. 0372-2527777 Henan(Province) Jiaozuo Jiaozuo new era No.905, Zhenger Street, Jiaozuo City 0391-3596789 Henan(Province) Xuchang city Xuchang new era Intersection of Yingbin Avenue and Wei Wu Road in Xuchang City 0374-8306772 Anhui (Province) Hefei Anhui huifeng Shibagang, He ‘an Road, Hefei Economic and Technological Development Zone 0551-3522788 Anhui (Province) Wuhu Wuhu Yaxia Yaxia Automobile City, Yijiangbei Road, Wuhu City 0553-2867288 Anhui (Province) Anqing Anqing huantong Anqing Development Zone Area 7-(2) 0556-5357228 Anhui (Province) Fuyang Fuyang zhengtong South Second Ring Road, Fuyang City, Anhui Province 0558-2171111 Anhui (Province) Bengbu Bengbu wind star Middle section of Donghai Avenue, Bengbu City 0552-3714000 Guangdong seaport Hainan Yangpu Anhua auto sales service co., ltd No.116 Nanhai Avenue, Haikou City 0898-36388876 Guangdong Shantou Shantou Jianwei economic & trading co., ltd Building 11-18, industrial workshop on the south side of Zhuchi Road, Shantou City 0754-8803506 Guangdong Huizhou Huizhou biaoyuan automobile co., ltd No.14 Yandayi Road, Huizhou Automobile Market 0752-2526388 Guangdong Meizhou Meizhou shengda auto sales service co., ltd Xishan Section of National Highway 205 in Meixian County, Guangdong Province (next to Xincheng Paifang) 0753-2530000-803 Guangdong Foshan Foshan xieli automobile trading co., ltd East of Fancun Section of National Highway 325 in the south of Foshan City 0757-83136020 Guangdong Foshan Foshan Nanhai district shunxieli automobile trading co., ltd G15, Haiba Road Automobile Market, Guicheng, Nanhai District, Foshan City 0757-86263153 Guangdong Foshan Foshan Shunde district xieli automobile trading co., ltd Shunde Daliang Guangzhu Highway Xinsong Section Xinxieli Automobile City 0757-22333776 Guangdong Foshan Foshan yanghai auto sales service co., ltd Side of Pingzhou Telecom Building, Nangang Avenue, Foping Road, Pingzhou, Nanhai 0757-86761111 Guangdong Jiangmen Jiangmen meichang automobile trading co., ltd No.54 Jianshesan Road, Jiangmen City 0750-3285321 Guangdong Zhongshan Zhongshan lide auto sales service co., ltd Linggang Section of Zhongshan Sixth Road, Zhongshan City 0760-5338333 Guangdong Zhuhai Zhuhai south auto service co., ltd Jiechong, Guangzhu West Road, Zhuhai City, Guangdong Province 0756-8638111 Guangdong Dongguan Dongguan juntong automobile trading co., ltd Wentang Road, Guanzhang Highway, Liaobu Town, Dongguan City 0769-83229502 Guangdong Dongguan Dongguan guang Wu jun Hao industry investment co., ltd Xicheng Business District, beside National Highway 107, Wanjiang District, Dongguan City 0769-22703999 Guangdong Dongguan Dongguan suitong auto sales service co., ltd Opposite Fuying Hotel, Guantai Road, Nancheng District, Dongguan City 0769-85926038 Guangdong Nanning Guangxi hongtong auto sales service co., ltd No.41 Anji Avenue, Nanning 0771-3130913 Guangdong Nanning Guangxi guantong auto sales service co., ltd No.36-6 Baisha Avenue, Nanning, Guangxi 0771-4922615 Guangdong Liuzhou Liuzhou yingtong auto sales service co., ltd No.15, West Ring Road, Liuzhou, Guangxi 0772-3725956 Guangdong Guilin Guilin hongfan guitong auto sales service co., ltd No.29-2-2, Bali Street Economic and Technological Development Zone, Guilin City 0773-2638991 Guangdong a city in Guangdong Province Zhanjiang yanghai auto service co., ltd No.48, Renmin Avenue North, Chikan District, Zhanjiang City, Guangdong Province 0759-3279383 Guangdong Shaoguan Shaoguan chengfeng automobile trading co., ltd Four kilometers south of Shaonan Avenue, Shaoguan City, Guangdong Province 0751-6189277 Guangdong Zhaoqing Zhaoqing meilun automobile trading co., ltd East of Zhaoqing College, Yingbin Avenue, Zhaoqing City 0758-2777888-8002

　　Last Friday, the director of the British Museum, Hartwich Fisher, resigned because of the recent exposure of a major collection theft. The ability of the British Museum to protect cultural relics was questioned again. At present, many countries and regions have requested the return of their cultural relics.

　　"Please ask the British Museum to return China cultural relics free of charge" also rushed to the hot search. The British Museum has the largest collection of cultural relics lost in China, with more than 23,000 pieces at present. These cultural relics cover almost all art categories and span thousands of years of China history.

　　Perhaps, people’s appeals can’t recover several collections from the exhibition hall or warehouse of the British Museum, but such voices should never stop.

　　On August 16th, local time, the British Museum announced awkwardly that a batch of "gold jewelry, semi-precious stones and glass products from 15th century BC to 19th century AD" were found to be "lost, stolen or damaged". They were not on public display and were mainly used for academic and research purposes.

　　Theft on this scale is obviously not committed by a group of thieves who suddenly attacked, but stems from long-term inside job theft. Peter higgs, a 56-year-old senior curator, is one of the current suspects in the theft case. He has worked for the British Museum for more than 35 years, and was fired immediately after finding the jewels missing in the museum.

　　Higgs is also one of the authoritative experts on ancient Greek and Mediterranean cultural relics, and a member of the "monuments men" team in charge of tracking looted cultural relics in the British Museum. Of course, Higgs’s son insisted in an interview with the British media that his father was innocent and denied that he had anything to do with the lost items. The British Museum declined to comment further, claiming that it is still under criminal investigation.

　　In fact, as early as 2021, the British Museum has been reminded that some cultural relics that may be treasures in the collection are being sold privately. Professor Martin henig, a gem expert from Oxford University, once told the media that he and his colleagues had found a part of the ancient signet ring collected by the British Museum in a private dealer. "The history of this signet ring can be traced back to the Roman emperor Caesar Augustus."

　　Henig informed the British Museum that this ancient ring with a history of 2,000 years was quickly recovered. However, things didn’t end there. As time went by, experts and scholars noticed more cultural relics for sale, and some cultural relics were even directly hanged on the e-commerce website eBay for public sale.

　　An antique expert who asked not to be named revealed to the media that he found semi-precious stones and glass products for sale on eBay from 2016 or earlier, and the prices of some items were far below their true values.

　　In February, 2021, Yitai Gradel, an art dealer, contacted the British Museum, saying that he also saw the cultural relics in the museum’s collection online, but it took jonathan Wilhemlms, then the deputy curator of the museum, several months to reply that "there were no improper signs".

　　The incident was also confirmed by george osborne, chairman of the British Museum, who added that the museum "could have taken more measures" after the first warning of cultural relics being stolen in February 2021. But why not? Osborne’s explanation is that even he doesn’t want to believe that museum executives have "cover-up" behavior.

　　Now that things have reached this point, we really have to wait for the big fight before paying attention to … … Archaeologist Crystal Zyro Dzhanis, the head of the UNESCO team dedicated to combating illegal cultural relics trafficking, described the theft as "the most serious theft in modern history".

　　However, if we push the timeline forward again, if we want to talk about the "most serious theft in modern history" of cultural relics, isn’t it the British Museum itself, one of the protagonists who took in stolen goods?

　　This is universally acknowledged. The British themselves face it frankly — — I grabbed it with my skill. Why should I return it? More than a decade ago, when David Cameron, then British Prime Minister, visited India, he also left an inspiring "golden sentence" on this topic.

　　When he was interviewed by India’s NDTV TV, he was asked: When can Britain return the famous "Mountain of Light" diamond?

　　This huge diamond weighs 105.6 carats and was once the largest natural diamond in the world, worth 591 million US dollars. According to the Indian Archaeological Investigation Bureau (ASI), this diamond was collected in the Golconda mine in south-central India in the 12th and 14th centuries, and the earliest literature can be traced back to 1304.

　　The "Mountain of Light" diamond has always been full of mystery, and its successive owners have suffered bad luck and even died. There was a passage in the history of India: "Whoever owns it will own the whole world. Whoever owns it will have to bear the disaster it brings. Only God or a woman has it and will not suffer any punishment. "

　　According to the Royal Collection Trust, in 1849, as part of the Lahore Treaty, this diamond was "presented" to Queen Victoria by Dhuleep Singh, the last monarch of the Sikh Empire at the age of 11. Since then, it has been passed down all the way and is now embedded in a crown worn by the late Queen Elizabeth II.

　　But in the eyes of Indians, this diamond was taken away by Britain. After independence in 1947, India has been calling on Britain to return this diamond.

　　In the face of the Indian media’s old story, Cameron rudely refused again, and took the British Museum as an example: "Once you say yes to a country, you will soon find that the British Museum will become empty." This sentence also proves from another angle that most of the precious collections in the British Museum are not owned by Britain.

　　Hartwich Fisher, the former curator who resigned because of this theft, had previously made it clear that the cultural relics in the collection would not be returned. His words are: "These treasures from all over the world in the British Museum can let the audience enjoy different cultural relics from all over the world and at the same time in the same space, so that they can experience ‘ Cultural relevance ’ 。”

　　The British may agree with this sentence, but other countries may not. Greece and Britain have the most intractable cultural heritage dispute in the world — — The dispute of Elgin marble statue in British Museum.

　　The statue, also known as the Parthenon statue, once decorated the famous Parthenon in the Acropolis of Athens. At the beginning of the 19th century, Lord Elgin, a British aristocrat, got permission from the Ottomans, the then Greek ruler, to peel off these statues from the walls of the temple, ship them back to Britain and sell them to the British government in 1816.

　　These statues have been placed in the British Museum as the core exhibits in the Greek exhibition hall. The Elgin marble statue has caused a long-standing dispute between the two countries. So far, the limit of Britain’s "letting go" is — — Consider letting these statues return to Greece temporarily in the form of "borrowing exhibitions" in the future.

　　In 1970, UNESCO adopted an international convention (namely, the Convention on the Means of Prohibiting and Preventing the Illegal Import, Export and Transfer of Ownership of Cultural Property), stipulating that ancient cultural relics entering other countries after 1970 must have an export license granted by the government of the country where the cultural relics originated.

　　According to Xu Jie, director of the Asian Art Museum, 1970 was regarded as an important "watershed" for museums all over the world. "For example, the large-scale outflow of cultural relics from ancient civilizations such as Greece, Egypt, Turkey and China in the 18th and 19th centuries has basically come to an end."

　　Although the continuous outflow stops, it is still more difficult to get back what has been lost. Many experts in the field of cultural relics have mentioned a general principle of property law: if the law changes, the previous legal transactions are still legal. Until the 20th century, art plunder still did not violate international law.

　　What is exciting is that with the general trend of global liquidation and reflection on colonialism in recent years, a momentum of pursuing cultural relics has been formed, and successful cases have been reported frequently.

　　Take Benin, a small African country, as an example. In February, 1897, British troops stormed the royal palace of the Kingdom of Benin (now in Nigeria) and took away a large number of treasures, including thousands of exquisite and distinctive bronzes, totaling more than 10,000.

　　Since 2020, museums in many countries, including Britain (mainly European museums), have begun to return the bronzes looted from Benin in the past year. Although it is only a few, it has at least released a positive signal.

　　How many China cultural relics have been lost overseas? According to the incomplete statistics of UNESCO, at least 1.64 million pieces of China cultural relics are distributed in more than 200 museums in 47 countries around the world, and the foreign folk collections are about ten times more than the collections.

　　The British Museum has the largest collection of cultural relics lost in China, with more than 23,000 pieces at present and more than 2,000 pieces on long-term display. These cultural relics cover almost all artistic categories and span thousands of years of China history.

　　One of the core collections in China Pavilion, Zhen Tu of Women’s History (copy of Tang Dynasty), has flowed into the people since the war in the late Tang Dynasty, then returned to the court in the Northern Song Dynasty, and spread all the way to the Qing Dynasty. It was the court treasure that Emperor Qianlong loved very much, and was moved to the Summer Palace during the reign of Empress Dowager Cixi.

　　In 1900, when Eight-Nation Alliance invaded Beijing and burned the Summer Palace, Captain Clarence K Johnson of the First Bengal Cavalry of the British Army took advantage of the chaos to steal a picture of women’s history. When Johnson returned to London in 1902, he didn’t realize the value of the painting. At the beginning of 1903, he took a picture of a woman’s history to the British Museum, and wanted the other party to evaluate the jade buckle on the painting axis. The staff valued the whole painting at 25 pounds. In this way, the British Museum bought the painting for only 25 pounds, and the Millennium national treasure has since been exiled to a foreign country.

　　In 2002, National Cultural Heritage Administration, China set up a "special fund for the collection of national key precious cultural relics", with an annual allocation of 50 million yuan to purchase representative treasures with high artistic value. However, it cost nearly 29.99 million yuan just to buy back a handwritten scroll of Yan Shan Ming by Mi Fei, a famous calligrapher in the Northern Song Dynasty.

　　Obviously, it will be an overwhelming project to recover cultural relics only by means of high-priced repurchase. Xie Chensheng (1922 ~ 2022), a famous expert on cultural relics in China and honorary president of China Cultural Relics Society, made it clear during his lifetime that we can only pursue those cultural relics that were robbed by naked fire through legal and official channels under the framework of international conventions, and we must never buy them. Buying them is tantamount to recognizing the legality of the looting in that year.

　　In February, 1995, the British police discovered a suspected China cultural relic in the process of detecting an international cultural relic crime, and informed the Chinese Embassy in Britain. National Cultural Heritage Administration was initially identified as a cultural relic prohibited from leaving China. In March of that year, the British police intercepted and detained a large number of cultural relics that arrived in Britain. After National Cultural Heritage Administration sent a Commissioner to Britain for identification, it was confirmed as a smuggled cultural relic, and the relevant departments immediately pursued it in various ways.

　　In May of the same year, more than 3,000 returned cultural relics were shipped back to Beijing. In August, a suspect in the case reached a settlement with National Cultural Heritage Administration and returned seven cultural relics. Another cultural relic buyer refused to negotiate, so the cultural relics involved have been detained by the British police. In this way, until 2020, because the buyer’s whereabouts were unknown, and the detention time exceeded the prosecution period, this batch of cultural relics involved was defined as ownerless, and finally returned to China in October of that year, with a total of 68 pieces, more than half of which were secondary and tertiary cultural relics.

　　From the initial understanding of the situation to the final recovery, it took 25 years. The difficulty of transnational recourse of cultural relics can be seen.

　　Although persistence may be futile, giving up is doomed to nothing. This arduous task is worthy of unremitting efforts. As Dan Jixiang, former director of the Palace Museum in Beijing, said, "Cultural relics are most dignified only when they are displayed in their original places. If you are lost overseas like a ghost, you have no dignity. Don’t expect outsiders to really give you dignity, because these cultural relics are the spoils they have snatched back. "

1905 movie network news　 On August 8th, the online drama "Sauvignon Blanc" held a seminar in Beijing. The general director, artistic director, original music, original author and screenwriter of the drama attended the event, and had in-depth discussions with the leaders and guests around the creation, innovation and overseas communication of the drama.

The first season of Sauvignon Blanc was launched in 2023, and received enthusiastic response from the audience. In the summer of 2024, the second season of "Sauvignon Blanc" returned as scheduled. The leading characters such as,,, and continued the relationship of the previous season, and through further upgraded plot clues, presented the audience with a series of wonderful stories, such as the completion of the great cause, Tu Shanjing’s retirement from the rivers and lakes, and phase liu’s death in defending righteousness.

At the scene, the general director Zhen Qin talked about the joint efforts made by the cast of Sauvignon Blanc in the whole process of preparation, setting and shooting. For example, she observed that the audience was satisfied with the visual effects of the final scenes of the series, which could not be separated from the team’s extensive desk work on historical and cultural elements in the early stage and the construction of fine real scenes to help the shooting.

Zheng Chen, the artistic director of Sauvignon Blanc, and Dong Dongdong, the original music, combined with their own work, interpreted the special design given to the main characters from the aspects of art and music. For example, Dong Dongdong shared the change of music style after the role change from Xiao Yao to Xiao Liu; At the same time, several male characters, such as Xie Da, Tu Shanjing and phase liu, also combined with the development of the plot and created their own theme songs with different instrumental music.

As the original author of Sauvignon Blanc, Tonghua also deeply participated in the script creation in the adaptation of this series. She admits that writing novels and plays are completely different perspectives and experiences, and in the process, she has a new understanding of the stories of her characters. For example, the role in the novel is more easily influenced by power, but through a more comprehensive combing of the relationship between characters in the script creation, the drama version has become more restrained, and it can also let go of small love and understand big love.

On the same day, many participating experts also shared their feelings about watching Sauvignon Blanc. Experts all said that as a work with the theme of ancient costume, Sauvignon Blanc has made a great breakthrough and promotion compared with similar works in terms of production and conception. I hope "Sauvignon Blanc" can become a positive example in creation and communication, and provide help for domestic drama series with ancient costume themes in the future.

　　[Introduction to the author]Professor of China University of Political Science and Law, doctoral supervisor, mainly engaged in criminal procedure law research; Associate Professor, Doctor of Law, China University of Political Science and Law.

　　[article source]China Judicial Appraisal, No.3, 2015

　　[executive summary]Deepening the reform of judicial expertise system is an important content of comprehensively promoting the rule of law and deepening the reform of judicial system. However, at present, the management of the judicial expertise system still restricts the further development of the unified management system of judicial expertise, such as the business scope of the appraisal institutions in the investigation organs and the roster management of the judicial organs. In terms of the implementation procedure of judicial expertise, the problems related to the entrustment and acceptance of judicial expertise, the technical standards and specifications adopted, and the expert responsibility system are still outstanding; In the aspect of litigation procedure, the problems related to the initiation, cross-examination and re-appraisal of judicial expertise have not been well solved. This means that there is still a big obstacle to the development of the unified, standardized and fair judicial expertise system in China, and it is necessary to further improve the unified judicial expertise management system, the standardized judicial expertise implementation procedures and the fair judicial expertise litigation procedures.

　　[Keywords:]Judicial expertise, expertise management, expertise implementation procedures, expertise litigation procedures

　　Judicial expertise is not only an important part of the judicial system, but also a judicial guarantee system. Judicial expertise serves litigation activities and provides scientific and technical guarantee for fair justice. Its perfection is directly related to the realization of judicial justice, so it has always been the focus of judicial reform. The Decision of the Central Committee of the Communist Party of China on Comprehensively Deepening the Reform and the Decision of the Central Committee of the Communist Party of China on Comprehensively Promoting the Rule of Law adopted by the Third Plenary Session and the Fourth Plenary Session of the 18th CPC Central Committee require deepening the reform of the judicial system, improving the unified judicial expertise management system, speeding up the construction of a fair, efficient and authoritative socialist judicial system, and making the people feel fair and just in every judicial case. Based on the main problems encountered in the reform of judicial expertise system in recent years, this paper puts forward some ideas to improve the judicial expertise system under the background of comprehensively promoting the rule of law. In view of the fact that the reform of judicial expertise system needs the overall promotion and coordination of litigation system, evidence system and administrative management system, this paper discusses it from three aspects: unified management of judicial expertise, implementation procedure of judicial expertise and litigation procedure of judicial expertise.

　　A sound and unified management system of judicial expertise

　　There have been two major drawbacks in the management of judicial expertise in China: first, the establishment of judicial expertise institutions is chaotic; Second, the practice management of judicial authentication institutions is decentralized, which leads to repeated authentication and multiple authentication. Faced with many appraisal opinions with different conclusions, the public security and judicial organs generally tend to trust and adopt the appraisal opinions issued by the appraisal institutions within their own organs, which leads to the problems of "self-investigation and self-examination, self-inspection and self-examination", and the neutrality of the appraisal institutions or appraisers is questioned. In order to solve these problems, the Ministry of Justice has successively issued a series of ministerial regulations or normative documents, including the Measures for the Administration of Registration of Judicial Appraisal Institutions, the Measures for the Administration of Judicial Appraisers, the Provisions on the Classification of Judicial Appraisal Practices (Provisional) and the Provisions on the Administration of Judicial Appraisal Licenses. In 2002, the Supreme People’s Court also issued the Interim Measures for Judicial Expertise of People’s Courts and the Administrative Measures for Entrusting and Organizing Judicial Expertise of People’s Courts, which made corresponding provisions on the management of judicial expertise institutions and personnel of people’s courts. Although these reform measures have improved the management order of judicial expertise, on the whole, they have little effect.

　　In order to solve the outstanding problems in the practice of judicial expertise, such as unified management, socialization of appraisal institutions and neutrality of appraisers, on February 28th, 2005, the National People’s Congress Standing Committee (NPCSC) adopted the Decision on the Management of Judicial Expertise (hereinafter referred to as the Decision), which became an important legal basis for the management of judicial expertise. The "Decision" first focuses on solving the problem of the independence of the appraisal institutions, excluding the situation that the investigation organs are entrusted by the society to engage in appraisal services and the people’s courts and judicial administrative departments set up appraisal institutions themselves, and puts the appraisal institutions in a more neutral position that is not attached to any judicial organs or administrative organs. More importantly, the "Decision" establishes a unified management system of judicial expertise: the judicial administrative department has the right to conduct examination and registration management of social expertise institutions applied for by legal persons or other organizations, and to conduct filing and registration management of appraisal institutions of investigation organs. It can be said that the "Decision" is mainly devoted to the unified management of judicial expertise, that is, the judicial administrative organs should achieve the unification of registration, qualification, training, appraisal standards, fees and penalties for violations, and so on. However, in practice, the unified judicial expertise management system is far from being formed, and the judicial expertise management order is still chaotic.

　　1.1 The rejection and breakthrough of the unified management of judicial expertise by the investigation organs and appraisal institutions.

　　According to the provisions of Article 7 of the Decision, the establishment of an authentication institution by the investigation organ is not only restricted by the needs of investigation, but also the authentication institution "may not accept the entrustment of the society to engage in judicial authentication business". However, the the National People’s Congress Standing Committee (NPCSC) Law Commission affirmed whether the investigation organs can entrust each other and whether the investigation organs can accept the entrustment of the judicial organs to engage in the judicial expertise business, which opened the door for the expansion of the service scope of the authentication institutions of the investigation organs. In view of this reality, the Central Political and Legal Committee turned to require the management mode of combining the direct management of the subordinate departments with the filing and registration of the judicial administrative department for the appraisal institutions and appraisers belonging to the investigation organs [2]. In judicial practice, some investigation organs authorize their appraisal institutions to conduct appraisal business "externally" to the society, thus breaking through the restriction of "not accepting entrustment to engage in judicial appraisal business for the society" in the Decision, so that the reality has not changed much before the reform, and the reform goal of neutrality of appraisal institutions has basically failed.

　　1.2 The judicial organs’ erosion and division of the management right of judicial expertise

　　The biggest progress of the Decision lies in the abolition of the appraisal institutions of judicial organs, and the complete realization of the "separation of trial and appraisal" necessary for judicial justice. By cutting off the connection between the judicial organs and the appraisal institutions, the Decision aims to ensure the neutrality of the court and reduce the inevitable doubts of the parties about the appraisal opinions because of the court’s "self-examination and self-examination". However, due to the traditional concept that the appraisal institution has long been an internal institution of the court and the appraiser has long regarded himself as a judge’s assistant, the interest relationship between the judicial organ, the appraisal institution and the appraiser is still broken and even alienated under the influence of the original power inertia. In practice, some local courts are not willing to lose the right to administer judicial expertise. On the basis of the register management of judicial administrative departments, they register and manage the appraisal matters within the "three categories" stipulated in the Decision, and register and manage the appraisal matters beyond the "three categories" that require the Ministry of Justice to consult the Supreme People’s Court and the Supreme People’s Procuratorate. This practice of selecting and compiling from the roster compiled by the judicial administrative department or outside the roster leads to the mixed management of the roster registration of authentication institutions by the judicial organs and the judicial administrative department, and the judicial organs actually divide the judicial authentication management power of the judicial administrative departments. Some local courts even went beyond the judicial administrative department to register some authentication institutions, resulting in confusion in the management order of judicial authentication, disorderly operation of judicial authentication institutions and unfair competition in the field of judicial authentication.

　　1.3 Social judicial authentication institutions "non-litigation authentication" and "authentication consultation" disorderly operation.

　　Before the promulgation of "Decision", the multi-head identification and repeated identification caused by the confusion of judicial expertise system was one of the difficult problems in the reform of judicial expertise. After the reform of the judicial expertise system, although the legislative progress has not been fully realized, compared with before the reform, the judicial expertise management has gradually entered the track of rule of law, science and standardization, which is mainly reflected in the unified management of social judicial expertise institutions by the judicial administrative department and the improvement of the appraisal management order. However, in addition to providing judicial expertise services, social judicial expertise institutions also engage in a large number of "non-litigation expertise" or "expertise consultation". "Non-litigation appraisal" refers to law enforcement appraisal that does not directly aim at litigation, such as arbitration appraisal, technical appraisal of traffic accidents, technical appraisal of disputes between doctors and patients, and technical appraisal involving violations of party discipline and political discipline. The scope of "appraisal consultation" is wide, and there are three main situations: "pre-litigation appraisal", "out-of-litigation appraisal" and "appraisal entity consultation". According to the investigation and analysis of some scholars, "the proportion of improper control of litigation appraisal affects the appraisal order is small, while the proportion of repeated appraisal, multi-head appraisal and disputes over appraisal opinions caused by non-litigation appraisal and appraisal consultation is large." {2} "This shows that the" non-litigation appraisal "or" appraisal consultation "of social judicial appraisal institutions is the main source of the current disorder of appraisal. Therefore, in order to improve the management of social judicial authentication institutions, the judicial authentication management department should focus on standardizing its non-judicial authentication activities of "serving the society". "Non-litigation appraisal" must be accepted according to law,The procedures and results of issuing expert opinions should be distinguished from judicial expertise. "Appraisal consultation" should be cautious, not "ask for advice". "Pre-litigation appraisal" should be strictly implemented in accordance with local regulations or the relevant provisions of the General Rules of Judicial Appraisal Procedure of the Ministry of Justice, and the entrustment of appraisal for unknown purposes and violation of social morality should be rejected; Consultation on appraisal entities should be handled with caution, and irresponsible or controversial advice should not be provided. Legislation on expert consultation should also be followed up, so that judicial expertise management can be based on laws.

　　To sum up, the biggest problem facing the current judicial expertise management is that the unified judicial expertise management system established by the Decision has not really formed. At the same time, new problems in the management of judicial expertise, such as how to manage non-judicial expertise in social judicial expertise institutions, lack corresponding legislative norms. Under the background of comprehensively promoting the rule of law and deepening the reform of judicial administration, judicial administrative organs should seize the opportunity to further implement and improve the unified judicial expertise management system, so as to truly improve the judicial expertise order. In addition to further implementing the unified management system of judicial expertise, the following reforms must be carried out.

　　1.3.1 Improve the access and management of appraisers.

　　Judicial appraiser is the main body to carry out appraisal, and is a natural person who uses specialized knowledge and technical methods to solve specialized problems in litigation activities. Judicial appraisers have the dual attributes of scientific and technical workers and legal workers, and they should have the necessary legal knowledge in addition to the corresponding professional knowledge. In addition, judicial appraisers must have good legal professional ethics and the scientific spirit of seeking truth from facts, which is the premise to ensure the objectivity and fairness of expert opinions. In some appraisals with many subjective factors (such as forensic psychiatric appraisal), the appraiser should also have considerable years of practice experience.

　　For a long time in China, there is a lack of uniform professional standards and qualifications for judicial appraisers, and there is a lack of necessary practice assessment methods. The author thinks that we can learn from the appraiser roster system in civil law countries, establish a unified professional qualification system for judicial appraisers, and strive to improve the professionalism and specialization level of judicial appraisers: (1) establish a unified professional qualification system for judicial appraisers that combines professional qualification examination and qualification identification; (2) Organize unified special training for judicial appraisers before taking up their posts and transferring their posts; (3) Establish a unified management system for the practice of judicial appraisers; (4) Improve the supervision system of qualification evaluation; (5) Implementing a unified and lifelong continuing education system; (6) Implement a unified practice inspection and registration system {3}.

　　1.3.2 Give full play to the positive role of trade associations.

　　Because judicial expertise involves many industries, it is not enough to rely solely on the administrative management of judicial administrative organs, but also to play the role of self-discipline management of trade associations. Judicial expertise industry associations can organize experts to formulate judicial expertise operating rules, technical specifications and standards, judicial expertise institutions’ qualification evaluation standards, and judicial expertise quality and integrity assessment methods, and can also assist judicial administrative organs in supervision and management; Safeguard the legitimate rights and interests of judicial authenticators and judicial authentication institutions; To supervise and inspect the professional ethics and practice discipline of judicial authentication institutions and judicial authenticators, and reward and punish them; Organize members to carry out continuing education and training, and form a mode of combining unified management of judicial administrative organs with self-discipline management of trade associations.

　　1.3.3 Improve the practice responsibility system of judicial expertise.

　　While improving the practice environment, maintaining the appraisal order and providing the practice guarantee, we should further improve the practice responsibility system. The Decision stipulates two kinds of legal responsibilities: administrative responsibility and criminal responsibility. Some scholars suggest that the provisions on civil liability should be added. When an appraiser makes a wrong appraisal due to intentional or gross negligence, the client may apply for damages, and the appraisal institution and appraiser shall be jointly and severally liable for this.

　　2. Improve and standardize the implementation procedures of judicial expertise.

　　The Central Political and Legal Work Conference held in January, 2014 put forward the requirement of "improving the unified and authoritative judicial expertise system", indicating that besides the unified judicial expertise management system, it is also necessary to ensure that the results of judicial expertise are authoritative and can effectively guarantee judicial justice. The authority of judicial expertise results depends on the standardization and fairness of the expertise procedure. In view of the fact that judicial expertise is a highly unified activity of science and law, it should be carried out in strict accordance with scientific laws and the relevant provisions of the law, and its procedures can also be divided into two aspects: the implementation procedure of judicial expertise and the litigation procedure of judicial expertise. Therefore, in order to establish an authoritative judicial expertise system, it is necessary to take a two-pronged approach, not only to standardize the implementation procedures of expertise, but also to improve the fair judicial expertise litigation procedures. The author will discuss these two issues in turn in the following.

　　In order to further realize the standardization, institutionalization and scientificization of judicial expertise activities, the Ministry of Justice promulgated the newly formulated General Principles of Judicial Expertise Procedure (hereinafter referred to as the General Principles) on August 7, 2007 to replace the General Principles of Judicial Expertise Procedure (for Trial Implementation) issued by the Ministry of Justice on August 31, 2001, which is another important achievement in the reform of judicial expertise system. First of all, the biggest deficiency of the National People’s Congress Standing Committee (NPCSC) Decision in 2005 is the lack of provisions related to the implementation procedures of judicial expertise. The promulgation of the General Principles just makes up for the lack of norms in this field. Secondly, the "General Principles" follow the inherent laws of judicial expertise activities, and clearly stipulate the entrustment and acceptance of judicial expertise, the implementation of judicial expertise, the technical standards and specifications that judicial expertise should follow, and the special provisions of judicial expertise procedures in accordance with the workflow of judicial expertise activities {4}. Thirdly, based on the Decision, the General Principles further implemented the responsibility system of judicial appraisers, strengthened the supervision responsibility of judicial appraisal institutions, and standardized the acceptance conditions of re-appraisal, which not only implemented the principles of the Decision, but also partially solved the problems left over by the Decision, and complemented and promoted each other with the Decision, becoming an important legal document for adjusting judicial appraisal activities.

　　(1) The General Principles clearly stipulates the obligations of judicial appraisers, thus further implementing the responsibility system of judicial appraisers. Judicial appraisers use science and technology and expertise to independently identify and judge the specialized issues involved in litigation, and are responsible for their own expert opinions, which is the core content of the judicial appraiser responsibility system established in the Decision [3]. The General Principles put this principle into practice through a series of obligations and system designs. For example, it is stipulated that judicial appraisers should abide by the obligations of confidentiality, avoidance, testifying in court and independently issue expert opinions; Consulting relevant experts on complex, difficult and special technical issues, the final expert opinion shall still be issued by the judicial appraiser of this institution; If there are different opinions on the appraisal opinions in the judicial appraisal attended by many people, it shall be indicated, etc.

　　(2) The "General Principles" provide a guarantee for improving the quality of identification by strengthening the supervision responsibility of judicial authentication institutions to the judicial appraisers of their own institutions. According to the provisions of the General Principles, judicial authentication institutions have the right to examine and accept the entrustment of authentication according to law; Assign judicial appraisers, and supervise judicial appraisers to abide by legal obligations, professional ethics and practice discipline, technical specifications and appraisal time limit; Supervise the use and storage of judicial authentication materials; Unified collection of judicial expertise fees; To urge judicial appraisers to testify in court according to law and implement the system of withdrawal of appraisers; Organize expert consultation and multi-agency appraisal; Organize review and correct violations. The above provisions enable judicial authentication institutions to play a subjective role in organizing, managing and supervising the authentication activities of judicial authenticators. These regulations further urge judicial appraisers to become the real subject of appraisal, while appraisal institutions gradually retreat to the position of supervision and management. Unlike the Decision, which emphasizes the unified (macro) management of the appraisers by the judicial administrative organs, the General Principles emphasizes the supervision of the appraisers at the micro level, which is not only inconsistent with the Decision, but also a supplement and development to the Decision.

　　(3) The General Principles embody the principle of combining administrative management with industry management. In addition to emphasizing the legitimacy of the subject of judicial expertise, the General Principles also require it to abide by professional ethics and practice discipline, which reflects the obvious intention of the General Principles to introduce industry management into the field of judicial expertise [4]. In addition, by affirming the role of industry organizations in formulating industry technical standards and specifications, and giving industry organizations the power to give industry sanctions for violations of industry norms.

　　(4) The General Principles have improved the procedural system and related rules of judicial expertise. Taking the entrustment and acceptance of appraisal as an example, the General Rules for Trial Implementation stipulates that when the parties entrust judicial appraisal, it is generally carried out through a law firm, while the General Rules stipulates that the entrustment shall be uniformly accepted by the judicial appraisal institution without the assistance of other intermediaries. Moreover, the General Principles also stipulates the formal requirements and specific procedures for the judicial authentication institutions to accept the entrustment of authentication, lists the cases in which the authentication institutions refuse to accept it, and clarifies the rights and obligations of both the client and the entrusted judicial authentication institutions. In addition, in order to ensure the justice and rationality of the judicial expertise procedure, the General Principles not only makes general provisions on the implementation process of judicial expertise, but also makes special provisions on special circumstances such as physical examination of women or minors, forensic psychiatric expertise or autopsy, and on-site extraction of samples in accordance with relevant laws and regulations. This not only reflects the fairness of the appraisal procedure, but also strengthens the supervision of the client on the appraisal process.

　　To sum up, the "General Principles" and the "Decision" echo and complement each other in content, which is not only the concretization of the requirements of the "Decision", but also the expansion on the basis of the "Decision", which is conducive to standardizing the implementation procedures of China’s appraisal and pushing China’s judicial appraisal reform to a new stage. However, it is worth noting that when the General Principles were adopted, the three major procedural laws had not been revised. Now, the General Principles have been implemented for nearly eight years, and the three major procedural laws have been significantly revised and changed. Therefore, the implementation procedure of judicial expertise should also keep pace with the times, and more targeted industry norms and appraisal standards should be issued according to the revised contents of the three major procedural laws.

　　3. Improve the just judicial authentication procedure

　　In essence, judicial expertise is a scientific cognitive activity to help judicial organs solve some specialized problems in litigation, aiming at supplementing the lack of knowledge of judicial personnel in specialized fields. It has both scientific content and legal requirements, which embodies the high unity of science and law. On the one hand, judicial expertise not only serves litigation activities, but also is an important part of litigation; On the other hand, the expert opinions produced by judicial expertise will be used as evidence in litigation. Therefore, not only the implementation of judicial expertise should comply with scientific laws and legal requirements (such as legal period, etc.), but also the use of expert opinions should be adjusted by procedural rules and evidence rules. Clear and complete procedural provisions are an important guarantee for the formation and application of scientific appraisal opinions, so perfecting fair judicial appraisal litigation procedures is also an important content of judicial appraisal system reform.

　　《中共中央关于全面推进依法治国若干重大问题的决定》中明确指出，要“推进以审判为中心的诉讼制度改革，确保侦查、审查起诉的案件事实证据经得起法律的检验。全面贯彻证据裁判规则，严格依法收集、固定、保存、审查、运用证据，完善证人、鉴定人出庭制度，保证庭审在查明事实、认定证据、保护诉权、公正裁判中发挥决定性作用。”四中全会决定的上述内容一方面回应了目前证人、鉴定人出庭作证制度实施不理想的现实，另一方面提出“推进以审判为中心的诉讼制度改革”的要求。这说明推进“以审判为中心”是当前诉讼制度改革最迫切的任务，而司法鉴定质证程序的完善是实现这一任务的必然要求。这不仅为司法鉴定诉讼程序的进一步完善提出了更高的要求，而且也是一个难得的机遇。在为实现“以审判为中心”的系统性诉讼制度改革中，司法鉴定质证程序的完善既能够得到助力，也有望为这一体系性改革的成功添砖加瓦。围绕“以审判为中心”这一目标，应从以下几个方面完善司法鉴定的诉讼程序。

　　3.1　健全司法鉴定的启动程序

　　The initiation of judicial expertise mainly refers to the allocation of entrustment and decision-making power, which is not consistent in various countries. The civil law system adopts the principle of authority, and judges have the final decision on whether judicial expertise is needed or not and the authorization of appraisers. For example, Article 156 of the French Criminal Procedure Law stipulates: "Any pre-trial judge or trial judge may, at the request of the procuratorate, or on his own authority, or at the request of a party, order an appraisal." The requests of both the prosecution and the defense are not necessarily binding on the judge, but "the pre-trial judge shall make a reasoned ruling when he thinks that the requirements for appraisal should not be met". In common law countries, the parties themselves decide whether to choose, when to choose and which experts are beneficial to them to provide expert advice for the jury and judges to consider. Although Article 706 of the United States Federal Rules of Evidence stipulates that the court may appoint any expert witness with the consent of the parties, it may also appoint an expert witness according to its own choice. However, it also stipulates that this rule does not restrict the parties from calling expert witnesses according to their own choices. In judicial practice, expert witnesses, as the main means for the parties to win favorable judgments, are basically summoned according to their own needs. It can be seen that due to the different litigation modes, the two legal system countries have made different provisions on the ownership of judicial expertise. However, in recent years, there has been a trend of mutual absorption and integration in the decision-making power of appraisal in countries all over the world, especially when judges control the initiation of appraisal.The most significant aspect is that both parties enjoy the equal right to request identification [5].

　　The initiation of the appraisal is not only related to the protection of the litigant’s litigation rights and the realization of procedural justice, but also determines whether the litigation procedure can achieve the goal of finding the truth with the help of judicial appraisal. In some cases, the initiation of appraisal is directly related to the defendant’s crime and non-crime. It can be said that the allocation of the initiation right of appraisal is the core issue of appraisal procedure in criminal proceedings. At present, the mode of starting the appraisal in China is similar to that in the civil law system, but the main body that plays the role of authority in starting the appraisal procedure includes not only judges, but also investigation organs and procuratorial organs. This mode may lead to the investigation organ and the procuratorial organ initiating the appraisal by themselves, and it is difficult to guarantee the objectivity and neutrality of the appraisal. On the other hand, the initiation of identification by investigation organs and procuratorial organs is also the main reason for "multiple identification" and "repeated identification". In view of this, our country should cancel the power of the investigation organ to initiate the appraisal by itself, and the court should exercise the final decision to initiate the appraisal uniformly. Of course, the realization of this reform depends on the establishment of judicial review mechanism in investigation activities. As mentioned above, the decision of the Fourth Plenary Session to promote the "trial-centered" litigation system reform must include establishing the status of trial neutrality and judicial supremacy in litigation, so the establishment of judicial review mechanism in the whole process of criminal litigation in China is self-evident requirement. The author advocates that we should explore the establishment of judicial review and writ permission system in line with China’s national conditions in the process of promoting the "trial-centered" litigation system reform.At the right time, the decision-making power to examine the appraisal and other investigations involving the restriction or deprivation of citizens’ personal rights, property rights and privacy rights will be uniformly handed over to the judicial organs, and judicial review and writ authorization will be implemented. In the concrete steps, we can learn from Russia’s practice, and gradually transition from restricting the investigation organ’s right to start the appraisal to completely canceling it.

　　In addition, in China’s criminal proceedings, the public security organs have the right to initiate the appraisal, while the litigants only have the right to request supplementary appraisal and re-appraisal, which is obviously contrary to the principle of equality between prosecution and defense. At present, China’s trial mode is changing from interrogation to confrontation, and the burden of proof of the parties is increasing, which is in contradiction with the limited start of appraisal. With the increasing burden of proof of the parties, the law should not restrict or deprive the parties of their right to choose their own appraisal, but should allow them to entrust the appraisal because of the need of proof, and allow them to obtain favorable evidence through appraisal activities. This is also an effective way to strengthen the participation ability of both the prosecution and the defense in the appraisal procedure, standardize the judicial appraisal activities and establish the credibility of the judicial appraisal results. As a judicial authentication institution, there is no reason not to provide necessary authentication services in the face of a large number of litigant authentication needs in litigation. Therefore, in order to ensure the participation of the parties and the democracy of the appraisal procedure, both the prosecution and the defense should be given equal rights to apply for entrusted appraisal, and the final decision belongs to the court. At the same time, it is stipulated that as long as the application for appraisal submitted by the parties meets the procedural requirements, the court should approve it, and the prosecution and the defense should not be treated differently or discriminated against.

　　3.2 Improve the cross-examination procedure of expert opinions.

　　The important contents of "trial-centered" are "trial-centered" and "trial materialization", and the key to realize trial materialization is trial cross-examination. For expert opinions, in order to make the cross-examination procedure substantive, it is necessary to urge the appraisers to testify in court and realize effective cross-examination through expert assistants. Because the expert opinion is the expert’s subjective judgment on specialized issues, on the one hand, the judge lacks sufficient judgment ability for this special evidence, and only by relying on the assistance of the expert can the expert opinion be effectively examined and judged; On the other hand, the expert opinion belongs to verbal evidence, and its inquiry and acceptance can only be effectively carried out when the appraiser appears in court. Therefore, it is a common practice all over the world to ask the appraiser to appear in court to accept questions from both the prosecution and the defense.

　　China’s Criminal Procedure Law in 1996 and the National People’s Congress Standing Committee (NPCSC)’s Decision in 2005 both emphasized the obligation of expert witnesses to testify in court, but it failed to be implemented in practice due to the lack of supporting system guarantee. The Criminal Procedure Law, amended in 2012, first clarified the conditions for the appraiser to testify in court. According to the third paragraph of Article 187, if the public prosecutor, the party concerned or the defender or the agent ad litem have objections to the expert opinion, and the people’s court deems it necessary for the expert to appear in court, the expert shall testify in court. This provision actually reduces the requirements of the appraiser to testify in court and narrows the scope of the obligation of the appraiser to testify in court by clarifying the two conditions of "the prosecution and the defense have objections to the appraisal opinions" and "the people’s court deems it necessary", but it is more realistic and feasible for gradually promoting the system of the appraiser to testify in court.

　　In addition, the new "Criminal Procedure Law" also stipulates the legal consequences that an expert should appear in court instead of appearing in court, that is, "the expert opinion shall not be used as the basis for finalizing the case", which is equivalent to establishing the hearsay exclusion rule of expert opinion. In order to make the trial cross-examination procedure after the expert appears in court substantive, the new Criminal Procedure Law also introduces the expert assistant system. As both the prosecution and the defense are non-professionals, it is difficult to ask questions to the point about the highly professional expert opinions. Therefore, it is very necessary to attract other experts to assist in the cross-examination of expert opinions. Article 192 of the new Criminal Procedure Law stipulates: "During the court hearing, the public prosecutor, the parties, the defenders and the agents ad litem may apply to the court to notify people with specialized knowledge to appear in court and give their opinions on the expert opinions made by the appraisers. The court shall make a decision on whether to approve the above application. " Giving both the prosecution and the defense the right to apply for expert assistants to assist in cross-examination of expert opinions in court is helpful to the materialization of the cross-examination procedure of expert opinions and can help the court to effectively examine and judge the probative value of relevant expert opinions. Especially in cases with multiple expert opinions, the participation of expert assistants is particularly important to help judges decide which expert opinion to take as the basis for final decision. Not only that, the introduction of expert assistants also helps to exercise the right of defense. Due to the unbalanced distribution of the right to start the appraisal, judicial appraisal is mostly initiated by the public security and judicial organs according to their functions and powers. The defense is often skeptical about the appraisal opinions entrusted by the public authorities, but it is unable to effectively cross-examine the appraisal opinions.The introduction of expert assistants just fills the gap of the defense’s cross-examination ability and enables the defense to better exercise its right of defense. The introduction of expert assistants will also help to eliminate the doubts of the parties about the expert opinions, settle the disputes in time, and avoid unnecessary repeated appraisal and the "expert dispute" caused by it.

　　3.3 Improve the re-appraisal procedures.

　　From a scientific point of view, there is only one correct appraisal opinion. The emergence of different appraisal opinions in the same case can only show that the subjective and objective aspects of appraisal have deviated. Re-appraisal is undoubtedly the only way to test and correct the wrong appraisal opinions and draw a correct conclusion. Therefore, the appraisal systems in various countries stipulate the right to re-appraisal without exception. One of the main problems in the practice of judicial expertise in China, that is, the unrestricted exercise of the right to apply for re-appraisal, leads to repeated appraisal of the same problem, and the contradiction between expert opinions is not only unavoidable, but also increasingly complicated. This problem of multi-head appraisal and repeated appraisal has seriously affected the objectivity, scientificity and authority of judicial appraisal, affected judicial justice to a certain extent, and wasted considerable judicial resources.

　　There are many reasons for multi-head identification and repeated identification, including the reasons of judicial organs, the identification problem itself, the level of appraisers and appraisal institutions, and the disharmony of the interests of the parties. Therefore, the problem of multi-head appraisal and repeated appraisal is not only the adjustment of appraisal management regulations, but also the adjustment object of procedural law.

　　Re-appraisal is to doubt the previous appraisal opinions, or several appraisers have differences on the appraisal opinions, and the original appraisal items need to be re-appraised. Therefore, the re-appraisal must generally be undertaken by an appraisal institution with higher level, better testing equipment and stronger technical force. In this regard, Article 14 of the "Interim Provisions on Judicial Appraisal of People’s Courts" issued by the Supreme People’s Court in 2001 stipulates that if one of the following circumstances requires re-appraisal, the people’s court shall entrust the judicial appraisal institution of the higher court to re-appraise [6]: (1) The appraiser does not have the relevant appraisal qualifications; (2) The appraisal procedure does not conform to the law; (3) The appraisal conclusion is in contradiction with other evidence; (four) the identification materials are false, or the original identification method is defective; (five) the appraiser should avoid not avoiding, but has different opinions on his appraisal conclusion; (six) the same case has multiple different expert conclusions; (seven) there is evidence that there are factors that affect the accurate identification of the appraiser.

　　However, the Interim Provisions on Judicial Appraisal of People’s Courts only solves the problem of the ownership of re-appraisal, and there will still be problems of the effectiveness of different appraisal opinions in judicial practice. To this end, the General Principles designed a series of solutions to the problems of multi-head appraisal, repeated appraisal and long-term indecision in practice. First of all, the "General Principles" requires appraisal institutions to accept the entrustment of re-appraisal, and at the same time stipulates stricter conditions for re-appraisal, so as to ensure that the start of re-appraisal follows uniform and strict standards and avoid arbitrariness and ease in the start of re-appraisal. Secondly, the "General Principles" stipulates a number of systems to ensure the quality of appraisal, such as appointing or selecting two or more appraisers to jointly appraise, consulting relevant experts outside the institution in case of particularly complicated, difficult and special technical problems, and appointing a special person to supervise and review the appraisal process after the appraisal, and so on. These measures are conducive to increasing the acceptability of appraisal opinions, thus eliminating the root causes of re-appraisal. Thirdly, the "General Principles" revised and reiterated the time limit system for appraisal, which not only made the time limit for appraisal better meet the needs of litigation, but also clarified the conditions for extending the time limit, which was helpful to solve the chronic disease of long-standing appraisal to some extent. Finally, strictly observing and adopting uniform technical standards and specifications is an important guarantee for scientific and accurate appraisal opinions, and it is also one of the important measures to solve the problem of multi-head appraisal and repeated appraisal. Based on the current situation of formulating technical standards and specifications in the field of judicial expertise in China and according to industry practices,It stipulates the hierarchical structure and sequence of technical standards and specifications that judicial appraisers should abide by and adopt when conducting appraisal, which to some extent reduces the inconsistency of appraisal results and the resulting problem of repeated appraisal.

　　The author thinks that in order to solve the problem of repeated identification, we must also establish a hierarchical system of judicial identification in the litigation legal system, limit the number of identification and standardize the re-identification procedure. First, establish a hierarchical system of judicial expertise to limit the number of re-appraisals. It can be considered that the level of judicial expertise in China is divided into two levels and the number of appraisals is limited to two. The reason why it is limited to two times is mainly to ensure that both parties to the lawsuit have the right to apply for appraisal once. The first level is the first appraisal procedure, that is, the appraisal conducted by an appraiser with appraisal qualifications. The second level is the review and appraisal procedure. Taking criminal appraisal as an example, the review and appraisal expert committee composed of the chief physician, professor of forensic medicine and senior forensic experts specializing in practice in hospitals above the provincial level can conduct the review and appraisal. Generally speaking, the prosecution exercises the right of first appraisal and decides whether to file a complaint according to the opinion of first appraisal. In order to protect the legitimate rights and interests of the defendant, if the defense objection is established, it may apply for review and appraisal. Secondly, establish the supervision procedure of recheck appraisal, and correct the wrong recheck appraisal when necessary. It should be clear that the re-appraisal opinion does not invalidate the appraisal opinion of the first appraisal, and which appraisal opinion is more scientific and probative should be determined by the judge through examination and judgment. If the judge decides that the reexamination appraisal is inadmissible, one party to the lawsuit may apply to start the supervision procedure of reexamination appraisal. The review and appraisal expert committee that made the original decision shall select experts to form a supervision and appraisal expert committee for re-appraisal. Experts participating in the re-examination and appraisal shall not be used as appraisers again according to the principle of avoidance.However, you can attend the appraisal at the request of the re-appraisers and explain the reasons for the re-examination of the appraisal.

　　3.4 Strengthen the protection of the rights of judicial appraisers

　　The Criminal Procedure Law, amended in 2012, strengthened the protection of appraisers’ right to participate in litigation, mainly by including appraisers in the scope of personal protection. One of the reasons why appraisers are unwilling to testify in court in judicial practice is that they are afraid of retaliation for testifying in court. In criminal cases, the identification matters are often directly related to the criminal responsibility of criminal suspects and defendants. In reality, the parties have threatened or even retaliated against the appraisers, so the appraisers are often worried about testifying in court. Strengthening the personal protection of appraisers is very important for prompting appraisers to testify in court. According to Article 62 of the Criminal Procedure Law, in cases of crimes endangering national security, terrorist activities, organized crimes of underworld nature, drug crimes, etc., if the personal safety of witnesses, experts and victims or their close relatives is in danger because of testifying in the proceedings, the people’s courts, people’s procuratorates and public security organs shall take one or more of the following protective measures … The second paragraph of the same article also gives the experts the right to request personal protection in other cases, which is the first step. The third paragraph also stipulates the cooperation obligations of the relevant units and individuals in the protection of the personal rights of witnesses and experts, so that the personal protection of witnesses and experts may be implemented.

　　However, the Criminal Procedure Law only stipulates the economic compensation for ordinary witnesses to testify in court, but does not include the appraiser in the scope of compensation. As an expert witness, an expert witness should enjoy the same rights as an ordinary witness, so we should refer to the economic compensation system for ordinary witnesses to testify in court and give the expert the right of economic compensation.

　　In addition, the Criminal Procedure Law does not clearly stipulate what litigation rights the appraiser enjoys during the pre-trial appraisal. Looking at the legislation and practice of various countries, in order to ensure the successful completion of the appraisal task, the appraiser should also enjoy the following rights in the process of carrying out the appraisal: (1) The right to refuse the appraisal. When the questions raised by the judicial organs are beyond the scope of the appraiser’s knowledge or the materials provided by the judicial organs are insufficient to make an appraisal opinion, the appraiser should have the right to refuse the appraisal. (2) the right to know. The appraiser has the right to know the case materials about the appraisal object and request supplementary materials necessary for the appraisal opinion. (3) the right to conduct investigation and inspection under the guidance of the court. When the relevant information provided by the entrusting organ is incomplete, the appraiser shall have the right to carry out certain investigation activities under the organization of the court, including interrogating the criminal suspect, defendant, victim or witness, in order to obtain the necessary information needed for the appraisal.

　　[Notes and References]

　　[1] See the provisions of Article 4 of the Opinions of the National People’s Congress Standing Committee (NPCSC) Law Commission to the Ministry of Justice on whether the access management of judicial authentication institutions and appraisers can be implemented before the implementation of the decision on the management of judicial authentication (Letter No.52 [2005] of the Law Commission).

　　[2] See the Opinions of the Political and Legal Committee of the CPC Central Committee on Further Improving the Judicial Appraisal Management System and Selecting National Judicial Appraisal Institutions (Political and Legal [2008] No.2).

　　[3] See Article 10 of the Decision: "Judicial expertise shall be subject to the appraiser’s responsibility system. The appraiser shall conduct the appraisal independently, be responsible for the appraisal opinions and sign or seal the appraisal book. If many people participate in the appraisal and have different opinions on the appraisal opinions, it shall be indicated. "

　　[4] See Article 3 of the General Principles: "Judicial authentication institutions and judicial appraisers shall abide by laws, regulations and rules, abide by professional ethics and discipline, respect science and abide by technical operation norms."

　　[5] The major reform of the appraisal system in the new Criminal Procedure Code promulgated by Russia on December 18th, 2001 is a typical example. On the premise of strictly limiting the investigator’s right to start the appraisal and handing it over to the court, it gives the defense an equal right to claim the appraisal.

　　[6] After the "Decision" was issued in 2005, there was no so-called "judicial authentication institution of Shanghai court".

　　{1} Criminal Law Office of the National People’s Congress Standing Committee (NPCSC) Law Committee. the NPC Standing Committee’s decision on the management of judicial expertise [M]. Beijing: Law Press, 2005:21-22.

　　(2) Zou Mingli. Study on the management measures of deepening the "three-oriented" judicial expertise [J]. China Justice, 2012,(4):95-99.

　　{3} Huo Xiandan, Thoughts on Further Perfecting the Judicial Appraisal System [J]. Judicial Appraisal in China, 2014,(1):16-20.

　　{4} Interpretation of "General Rules of Judicial Appraisal Procedure" by the heads of relevant departments of the Ministry of Justice [n]. Legal Daily, 2007-08-13.

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