Xinhua News Agency, Guangzhou, December 3 (Reporter Bai Yu) According to the latest report from the Guangdong Provincial Health and Family Planning Commission, 164 new cases of dengue fever were reported in the province from November 25th to December 1st, which was 56 cases less than the previous week and 25.5% lower than the previous month. There were no new cases in eight prefecture-level cities. Experts predict that the dengue fever epidemic may end in mid-December.

As of 0: 00 on December 1st, 20 prefecture-level cities in Guangdong Province have reported a total of 45,053 cases of dengue fever this year, including 37,280 cases in Guangzhou and 442 cases in Shenzhen. There were 18,910 hospitalized cases, and 18,771 discharged cases were cured. A total of 6 deaths were reported, including 5 cases in Guangzhou and 1 case in Foshan.

According to the analysis of disease control experts, with the implementation of various prevention and control measures and the gradual cooling of the weather, the density of mosquito vectors has decreased significantly. In the middle of this month or in the next two weeks, the dengue fever epidemic spread locally in Guangdong will probably end.

　　CCTV News:In recent years, China’s nuclear power technology has developed rapidly and has entered the first phalanx of nuclear power technology in the world. Recently, China Nuclear Energy Industry Association released the Blue Book of China Nuclear Energy Development Report 2024.

　　According to the blue book, up to now, there are 26 nuclear power units under construction in China, with a total installed capacity of 30.3 million kilowatts, and both the number under construction and the installed capacity remain the first in the world. The independent third-generation nuclear power technology represented by "Hualong No.1" and "Guohe No.1" is being deployed in an orderly manner in China.

　　At the same time, China has made breakthroughs in many technical directions of the fourth generation nuclear power technology. The world’s first fourth-generation nuclear power plant put into commercial operation — — The demonstration project of Shidaowan high-temperature gas-cooled reactor has generated more than 650 million kWh since it was put into operation in December 2023. This marks that China has reached the world leading level in the research and development and application of the fourth generation nuclear power technology, which is also a pioneering work of China leading the world in nuclear energy technology.

　　Fourth Generation Nuclear High Temperature Gas Cooled Reactor: A Safer Future Energy

　　What are the characteristics of the fourth generation nuclear power technology? What does "high temperature gas cooled reactor" mean? In addition to the "high temperature gas cooled reactor", what other reactor types are there in the fourth generation nuclear energy system?

　　The world’s first fourth-generation nuclear power plant has an installed capacity of 200,000 kilowatts.

　　Shidaowan High-temperature Gas-cooled Reactor Demonstration Project is located in Rongcheng City, Shandong Province. It is a landmark achievement of major national science and technology projects with completely independent intellectual property rights in China, and it is also the first fourth-generation nuclear power plant in the world. The installed capacity of the project is 200,000 kilowatts, and the power generation is enough to meet the electricity demand of 200,000 households.

　　High temperature: The reactor core is made of high temperature resistant materials.

　　High temperature gas-cooled reactor includes two key words: "high temperature" and "gas cooling". High temperature means that the core of the reactor is made of high temperature resistant materials such as graphite and ceramics, so that the core temperature can reach nearly 1000 degrees Celsius.

　　Air cooling: inert gas helium is used for core cooling and heat transfer.

　　Air cooling means that the reactor uses inert gas helium for core cooling and heat transfer, which is different from the "water cooling" mode of traditional nuclear power plants. Helium is not easy to react with other substances in the reactor at high temperature, so it is called high temperature gas cooled reactor.

　　Zhang Zuoyi, chief designer of the high-temperature gas-cooled reactor nuclear power plant, a major national science and technology project, introduced that in 2023, this reactor was used for a very important safety verification test. After stopping the whole external output energy system, the reactor was able to "brake" itself and slowly cool down, which scientifically proved the "inherent safety" of the reactor.

　　On Anchang Road, Fucheng District, Mianyang, a small house is staged every day with the scene of "a group of old people coaxing an old man". This group of old people are six brothers and sisters, and the object of service is their 92-year-old mother. Their old mother, suffering from hypertension, diabetes, heart disease and other diseases, was diagnosed with Alzheimer’s disease a few years ago. Six children take turns to take care of her 24 hours a day, eating, feeding medicine, measuring blood sugar and taking insulin … … They wrote down their mother’s daily diet and medication in detail. In the past 16 years, these nursing diaries have more than 300,000 words and 46 books, which record the mother’s growing old day by day and the filial piety and love of a family.

　　A thick stack of diaries

　　At 2 o’clock on the afternoon of the 27th, in a family area of Anchang Road, Fucheng District, an old house of more than 70 square meters was clean and tidy. Old Chen Yuxiang was in a wheelchair, accompanied by her daughter Deng Xiurong, and the two shook hands and whispered. Third sister Deng Guoqing wore reading glasses and recorded the time when her old mother had just taken medicine in a notebook. They have kept a diary for 16 years.

　　46 books

　　On the cover of the notebook recorded by Deng Guoqing, the words "Nursing Diary" are written in 2018.

　　In this notebook, the nursing time and medication time of Chen Yuxiang are recorded in detail every day. Deng Guoqing told Chengdu Business Daily that the old people are old and incontinent, and they need to change their diapers at any time. They record the time of each change, so it is convenient to remember the time of the next change. For medication, we should also not forget, because the time and dosage of each medicine are different, and the time of each medicine is recorded, so we can know when to take it next time, and everyone will not make a mistake.

　　After recording the morning and noon situations, Deng Guoqing and Deng Xiurong, who have been waiting since the night before, are ready to go home and have a rest. The 68-year-old eldest brother Deng Kaiguang and eldest sister-in-law Chen Xinlan are coming to take over.

　　Deng Guoqing picked up another notebook and wrote on it: Brother, my mother didn’t get up this morning. After lunch, she took heart medicine and antihypertensive drugs, and half an hour later she took "Yixuesheng" (Third Sister).

　　Different from the previous notebook, the cover of this notebook is written with the words "miscellaneous book" and the time is "2017 ~ 2018". Most of the content in it is to explain what the next brother and sister need to pay attention to before the caregivers leave.

　　"In the past, I kept one night with my sister, but with the increase of age, it is no longer possible. We keep it together at night." Deng Guoqing said that when the eldest brothers took over, they would go home and have a rest. "Now we should write some precautions every day to remind the successors."

　　In Chen Yuxiang’s old man’s house, notebooks like "Nursing Diary" and "Miscellaneous Book" are piled high. The Chengdu Business Daily reporter counted 46 books, most of which have been yellowed, but they are still well preserved.

　　16 years

　　Deng Guoqing looked at these notebooks with tears in his eyes. In the past 16 years, looking at these notebooks, we can remember the dribs and drabs that the six brothers and sisters took care of their mother.

　　Chen Yuxiang, a 92-year-old man, has six children. The eldest daughter is 72 years old, the second daughter is 70 years old, the eldest son Deng Kaiguang is 68 years old, the second son Deng Kaiming is 65 years old, the third daughter Deng Guoqing is 62 years old, and the female Deng Xiurong is 60 years old.

　　In 2002, Chen Yuxiang’s wife passed away. Since then, Chen Yuxiang’s health has gone from bad to worse, suffering from hypertension, diabetes and heart disease. A few years ago, she was entangled in Alzheimer’s disease. Fortunately, six children are on duty 24 hours a day.

　　Deng Guoqing is a statistical worker. When his father was ill and hospitalized, every time the doctor prescribed medicine, he also said the dosage and usage. But at that time, most of the children were still at work and needed to take turns to take care of them. Fearing that he forgot to remind the successor when changing shifts, Deng Guoqing thought of using a notebook to record every day. This practice continued to be used after Chen Yuxiang’s illness, and it was recorded more carefully.

　　"A good memory is not as good as a bad pen. My mother hasn’t stopped taking medicine since more than ten years ago. Later, after staying in bed, she was still incontinent, which was particularly difficult to take care of." Deng Guoqing said that every year, the elderly have to be hospitalized, and doctors have to ask about various physical conditions. Therefore, when six brothers and sisters take care of them, they will record their daily physical condition and medication in detail.

　　Open the thick notebooks, each with tens of thousands of words, thousands of words at least, and 46 notebooks, which add up to more than 300,000 words.

　　A group of filial sons and daughters

　　Behind the 46 diaries are a group of filial sons and daughters. At 6 o’clock in the morning on the 28th, Deng Guoqing and Deng Xiurong got up. They made the bed first, then started to boil water and cooled a cup for their mother. For more than ten years, children have never let the elderly drink overnight water. It is said that the more people live, the more they go back. An elderly mother is like a child. This group of children took care of their mother day by day.

　　Children are experts.

　　They can take insulin and measure blood sugar.

　　After the blood pressure was measured, I saw that Yao had brought an instrument for measuring blood sugar. The old man Chen Yuxiang seemed impatient and hid his hand under the bed.

　　"Mom, be good, take out your hand, and we will measure another blood sugar. After measuring it, we will get up and eat." Deng Xiurong smiled and coaxed the old man like a child.

　　On the wall of the living room, there are hand-painted pictures and texts of the correct posture of wrist electronic sphygmomanometer, family contact list and blood pressure range of hypertension. "In the beginning, everyone didn’t measure blood pressure, so they searched online, wrote the correct order of use on paper, and then posted it on the wall for everyone to measure accurately." Deng Guoqing said that, like taking insulin and measuring blood sugar, family members should learn to use it accurately first, and then record the measured value of their mother every time.

　　Before taking insulin, Deng Xiurong kept spinning in his hand with the instrument and counted in his mouth. When I counted to 36, I stopped and began to give my mother an injection. "Our brother and sister can measure blood pressure, blood sugar and insulin, and we can all be regarded as half nurses." Deng Xiurong said with a smile.

　　Mother is like a child.

　　"Come on, have some more, so as not to be hungry."

　　Because she didn’t sleep much the night before, at 3 pm on the 27th, the old man Chen Yuxiang was sleepy and went to bed to rest. Near 5 o’clock in the afternoon, the two sisters began to wake their mother up. They have summed up their experience, and eating after 6 o’clock in the evening can’t be digested by the elderly.

　　"Mom, get up, the chickens are crowing, be good, get up soon!" Deng Xiurong whispered in Chen Yuxiang’s ear. Maybe he didn’t wake up, the old man resisted and lost his temper. While shouting "go away", he reached out and pushed.

　　This trick didn’t work, and Deng Guoqing next to him sang a children’s song, "Little Rabbit, open the door, open it quickly, I want to come in … …” Hearing the song, the old man slowly opened his eyes.

　　Watching her mother open her eyes, 62-year-old Deng Guoqing came to the bed while singing and making rabbit ears. It was not until the song was finished that the old man smiled and held out his hands. Later, the two sisters worked together to dress the old man and help him to a wheelchair.

　　At 5: 30, my brother Deng Kaiguang brought a special meal for the elderly, added some sesame oil, and fed it slowly in spoonfuls. For every spoonful of rice, Deng Kaiguang blows it gently first, and then slowly feeds it into his mouth. After feeding a few spoonfuls, the old man pushed it away with his hand. Deng Guoqing quickly took over the rice bowl and continued to feed. The old man did not buy it.

　　"There’s still a little. Come on, have some more, so as not to be hungry … …” Coaxed, the old man ate a few more spoonfuls.

　　Feeding a meal is like coaxing a child, so is feeding medicine after a meal.

　　A hard-working mother all her life

　　"Mom is here, home is here."

　　Since 2002, Deng Guoqing’s six brothers and sisters have taken turns to take care of their old mother at home. For more than ten years, they have hardly traveled far, and even the large-scale real estate developed in Mianyang in recent years, they don’t know where it is. "Parents, not travel! This is what our parents told us when they took care of grandparents and grandparents. " Deng Kaiguang said.

　　In Deng Xiurong’s view, their six brothers and sisters have been caring for their mothers for more than ten years, which is a kind of feedback.

　　"In those days, life was very tense. My mother always gave us rice to cook porridge at home, so she drank some rice soup and never had enough. It was also from that time that my mother fell into anemia. In my impression, she was always busy and suffered a lot for us. " Deng Kaiguang said that the mother also took care of the housework such as breakfast, lunch, dinner and washing clothes at home.

　　Many people around them asked them why they didn’t ask their mother for a nanny or send them to a nursing home. Deng Guoqing said that everyone has their own family, but both partners and children can understand. The most important thing is that mothers will be much happier when they see their children every day.

　　"Mom, home is here! Home is more cohesive! We can see our mother every day, and we are also very practical. " Deng Guoqing said.

　　Chengdu Business Daily reporter Tang Xiaojun’s photo report

　　Diary excerpt

　　Change diapers once at 6: 00 (shit), blood pressure at 7: 44 is 116/57, buttocks are washed and medicine is applied at 8: 00, 8 units of insulin are given on an empty stomach at 8: 03, a bag of Huoxiang Zhengqi pills (twice a day) is given at 9: 30, and diapers are changed once at 9: 40 (a little shit); In the afternoon, change diapers at 12: 30, diapers at 14: 25, diapers at 4: 40 (a little shit, urine) and diapers at 5: 25 (shit); At 8: 10 (in the evening), I wash my ass, apply medicine, wash my face and feet, change my diaper at 9: 30 (shit) and at 12: 30 (shit) … …

　　— — March 26, 2018

　　At 7: 47, the blood pressure is 119/65, at 8: 08, the blood sugar is 6.3, at 8: 15, at 8: 40, there are 2 ketonic acid tablets (three times a day), and at 9: 45, there are 3 medicinal charcoal tablets … …

　　— — March 27, 2018

　　Will the blood sugar rise after taking the medicine you bought? Last night, my mother started to get up and pee again, 5 ~ 7 times a night, eating less and peeing more. Fear … …

　　— — October 21, 2017

　　We eat separately, so we need to drink more water after eating this medicine. At night, when I am on duty, there are sometimes 7-8 times, at least 3 times. Thanks a lot! Let’s cheer together!

　　— — October 22, 2017

　　Mom flooded Jinshan again, and the bed was wet. We washed all the wet ones, and there is a piece of cloth under the sheets. Come back this afternoon and make it … …

　　— — Simei

　　Last night, my mother was flooded with water, diapers, cloth diapers, wool blankets, small towel sheets and shit. She also knew that she was wet and threw it all over the floor … … I was busy this morning, and the ground was full of urine. Fortunately, I put my clothes on the air-conditioned table and chair every time, and they were dry every morning … … Otherwise, you can’t win by baking … …

　　— — Simei

　　Mom is old, and I don’t know if the diaper is wet … … Mom coughs up phlegm. Mom says she can’t spit it out. When she coughs, she will have phlegm. She needs to take medicine to eliminate phlegm. I don’t know if the sausage given by Sister Chen was eaten last time or it was caused by a cold. She needs to take some medicine to relieve cough and eliminate phlegm. — — Third sister

　　… …

　　It has been more than half a month since the "rebellion" of Wagner, a Russian private military group, and the social security and military order in Russia have already returned to normal.

　　After Wagner’s "mutiny" came to an abrupt end, Russian President Vladimir Putin pronounced Wagner’s "death penalty" in a national televised speech on June 26th, saying that Wagner would no longer be allowed to continue to maintain a military presence within the jurisdiction of Russia, and only Wagner soldiers would be allowed to join the Russian regular army, disarm and return to the fields, or go to Belarus. On the same day, Prigozhin, head of Wagner, also announced that "Wagner will eventually be dissolved" before July.

　　However, Wagner’s movements since then have always been foggy, and contradictory news has been released constantly, which makes people unable to understand Wagner’s real fate. What is certain is that Wagner has remained active so far. A few days ago, Putin even proposed that Wagner be led by a military figure codenamed "White Hair" and "restore the original state".

　　So, what is Wagner’s current situation? Will it continue to maintain a military presence? Is it even possible to re-participate in the Russian-Ukrainian conflict?

　　What is Wagner’s current situation?

　　Wagner’s recent trend is very contradictory. After being sentenced to death in late June, Wagner recently turned over weapons to the Russian Ministry of Defense, while still recruiting new soldiers.

　　According to a report by the Russian Tass news agency on July 12th, the Russian Defense Ministry issued a statement on the 11th, saying that the Russian army is about to complete the work of receiving Wagner Group’s weapons and equipment. According to the data disclosed by the Russian military, Wagner handed over more than 2,000 rockets, air defense systems, armored vehicles and other heavy weapons and equipment and more than 2,500 tons of various ammunition. This statement means that Wagner has lost his fighting capacity, and Prigozhin has at least fulfilled the agreement he reached with the Russian Defense Ministry in June.

　　However, Wagner is unlikely to disappear in the short term. On the contrary, after entering July, Wagner still openly recruits in Russia. According to the British "Financial Times" reported on July 5, on July 4, Wagner’s recruiter made it clear that the recruitment plan would not change because of the failure of the "rebellion", and the newly recruited soldiers still signed contracts with Wagner Group and stayed in Krasnodar Krai, Russia for training. This obviously violates the ultimatum of the Russian Ministry of National Defense that Wagner soldiers must sign contracts with the Ministry of National Defense before July 1. The Financial Times analyzed that the move of recruiting new soldiers proved that Wagner will still exist for a long time and continue to participate in Russian military affairs in some form.

　　The Russian online media "остооно, Media" also quoted the famous Russian host Ksenia Sobchak (ксениясоо) on July 2nd. Sobchak said that Wagner is recruiting up to six arms, including signalmen, gunners and engineers.

　　In addition, Wagner posted on the social platform Telegram on July 15 to continue recruiting soldiers: "All positions in Krasnodar Krai are still empty." Wagner also promised to pay a monthly basic salary of 240,000 rubles (about 19,025 yuan), plus bonuses and insurance.

　　Did any soldiers leave?

　　In his speech on June 26, Putin promised to offer Wagner soldiers three choices: joining the Russian regular army, disarming and returning to the fields or going to Belarus. In short, Putin demanded that Wagner’s military presence in Russia be banned. Did Wagner soldiers really get the right to choose, and how many people chose to leave Wagner?

　　According to a report by the Russian Interfax news agency on July 2, Volodin, chairman of the Russian State Duma (lower house of parliament), posted a summary of the "attempted coup" on social platforms, claiming: "Many members of Wagner have agreed to sign contracts with the Russian Ministry of Defense and join the regular army." At present, the Russian Ministry of Defense has not announced the information of Wagner’s personnel as it announced the collection of Wagner’s weapons, nor has it seen the news that Wagner’s grassroots organizations have announced their participation in the Russian regular army. According to the Russian newspaper Kommersant reported on July 13th, Putin admitted in an interview that Prigozhin still refused to accept the proposal of adapting Wagner soldiers.

　　There is no evidence that Wagner soldiers are being demobilized on a large scale. Wagner’s recruitment in Russia implies that Russian officials have not implemented the goal of banning Wagner’s military presence in Russia.

　　The exact news at present is that some Wagner members did go to Belarus. According to today’s Russian TV station (RT) reported on July 16th, Wagner members are training soldiers of the Belarusian army and conducting military exercises with the Belarusian army. The Ministry of Defence of Belarus also issued a statement on July 14th, stating that Wagner would assist Belarus in formulating a "road map" for military training.

　　Return to the battlefield?

　　According to a report by Russia’s Kommersant on July 13th, Putin revealed in an interview that he met 35 members of the Wagner organization a few days ago, which provided them with a brand-new way out: the Wagner organization was led by the person who served as the actual commander in the past 16 months and code-named "White Hair". Putin said that under this model, "nothing will change" means that Wagner will resume the organizational model before the "rebellion", that is, continue to exist in the form of private mercenaries. To this end, Putin hinted that Wagner might be granted legal status: "This is actually a legalization issue and should be handled by the State Duma and the government."

　　Reuters published an article on July 14th, saying that the military figure named "White Hair" who was appointed to take over Wagner was probably Andre Troshev (андрейтрошев). Previously, the official documents of the French Ministry of Finance and the European Union used "white hair" to refer to Troshev. In its document issued in 2021, the European Union described Troshev as "the chief executive of Wagner Organization", which is different from Putin’s claim that "Wagner was actually ‘ White hair ’ Leadership ". It is reported that Troshev served as the commander of the Russian rapid reaction force all the year round. In a photo that flowed out in 2017, Troshev took a group photo with Putin and Prigozhin. Reuters pointed out that Troshev may be Wagner appointed by Putin, and he plays the role of a liaison between Wagner and Russian troops.

　　The softening of Russian official position paved the way for Wagner to maintain his military presence in Russia. Public opinion believes that Wagner is likely to rebuild his military presence in the future, and at least he will go to Africa or Syria to return to his old job and be employed by the Russian military to perform overseas military tasks. Some analysts even pointed out that Russia cannot afford to lose Wagner’s force, and Putin’s statement may have laid the groundwork for Wagner’s return to the front line of the Russian-Ukrainian conflict.

　　The British Broadcasting Corporation (BBC) pointed out in a recent article that Wagner had already proved that it was indispensable for the Russian army in the battle of Bachmut, which lasted for almost a whole year. In the widely circulated video of Prigozhin swearing at Russian Defense Minister shoigu and Chief of General Staff gerasimov, Prigozhin accused the Russian regular army of fleeing without fighting in the suburbs of Bachmut, causing Wagner to be attacked on three sides in the frontal battlefield. Analysts believe that the Russian army is under great pressure and needs Wagner’s return.

　　Sean Bell, a military scholar, analyzed that it is unwise to "exile" Wagner to Belarus for a long time, let Wagner soldiers return to the fields or dilute them into the Russian regular army. "Russia can’t bear the consequences of losing the best and most experienced soldiers in the conflict between Russia and Ukraine", so Putin is willing to soften his posture and put forward that Wagner will "return to the original state" under the leadership of "white-haired" Troshev, which means that Wagner will return to the battlefield in Russia and Ukraine as a whole in the future.

Click on the blue word above to pay attention to "vitality and harmony"

College entrance examination is a big test in the life of college students, which is related to the vital interests of candidates and has attracted much attention from the society. The college entrance examination in 2024 is approaching, and the majority of candidates are actively adjusting their status and preparing for the exam calmly and orderly. However, some lawless elements are driven by economic interests to spread false information about the exam, sell and create anxiety, and even commit fraud and induce candidates to cheat in the exam, which seriously disrupts the enrollment order of the exam. To this end, the Ministry of Education, in conjunction with relevant departments, has sorted out some typical cases that have appeared in recent years, and solemnly reminded the majority of candidates and parents that they must be vigilant, beware of being deceived, and do the integrity test. Let’s look at it together-

First, organizing cheating in the college entrance examination can’t escape the recovery of the French Open.

[Case] Before the college entrance examination in 2023, some criminals promised candidates through QQ group and other channels that they would pass the answers to the candidates during the college entrance examination. Candidates only need to bring in electronic devices and send back the questions. The Ministry of Education, the Ministry of Public Security and other relevant departments jointly conducted rapid investigation and successfully destroyed relevant criminal gangs before the exam.

【 Regulations 】 The Criminal Law of People’s Republic of China (PRC) clearly stipulates that it is illegal to "organize cheating" and "provide examination questions and answers to candidates" in the national examinations prescribed by law. The Interpretation of the Supreme People’s Court and the Supreme People’s Procuratorate on Several Issues Concerning the Application of Laws in Handling Criminal Cases, such as Cheating in Organizing Examinations, makes it clear that those who organize cheating in national education examinations, such as college entrance examinations and postgraduate entrance examinations, shall be deemed as "serious" acts, and shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined.

[Reminder] In recent years, local public security organs, together with the education departments, have continued to maintain a high-pressure and severe crackdown on all kinds of illegal and criminal activities involving exams. Remind the majority of candidates that they must enhance their legal awareness, know the law and abide by it, and don’t be confused for a while and regret it for life.

Second, "Gui Li" will eventually become "likui jy", and it is not feasible to challenge the law.

[Case] In the unified entrance examination of art and design major in colleges and universities in a province in 2020, two "exam-assisting" intermediaries found a college student to take the test for a candidate and were arrested by the police. Two cheaters were sentenced to three years and eight months in prison and three years and two months in prison respectively. Taking the test for college students was sentenced to five months’ criminal detention and suspended for one year.

【 Regulations 】 The Criminal Law of People’s Republic of China (PRC) clearly stipulates that it is illegal to "organize cheating" or "substitute others or let others take the exam instead of themselves" in the national examination prescribed by law.

[Reminder] In recent years, some new technical means have been gradually used in the management of national education examinations to prevent fraud such as taking exams. Although the results of college entrance examination are important, the quality of honesty is related to the development of a person’s life. Don’t believe in the temptation of criminals, and don’t be lucky enough to take the exam for others or let others take their place. Trying the law will eventually "eat the consequences".

Third, avoid the security belt "equipment", and the attempted cheating will ruin the future.

[Case] During the college entrance examination in 2022, a candidate avoided the entrance security check and illegally brought his mobile phone into the examination room. After the examination, he took a test paper and sent it to QQ group for an answer, which was unsuccessful, and was seized by the public security organs at the first time according to law. According to relevant regulations, candidates who violate the rules are dealt with seriously.

[Regulations] The college entrance examination is a national education examination prescribed by law. The Measures for Handling Violation of National Education Examination clearly stipulates that anyone who carries equipment with the function of sending or receiving information should be considered cheating in the examination, and the scores of all stages and subjects he signed up for the examination are invalid. The Education Law of the People’s Republic of China clearly stipulates that candidates who carry or use cheating equipment and materials in national education examinations, if the circumstances are serious, shall be ordered by the education administrative department to stop taking the relevant national education examinations for more than one year and less than three years; If it constitutes a violation of public security administration, it shall be punished by the public security organ according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

[Reminder] In recent years, the Ministry of Education, together with relevant departments, has deployed a special treatment for cheating on mobile phones in the college entrance examination, and resolutely prevented cheating on high-tech equipment such as mobile phones by strengthening the entrance clearance and invigilation clearance. During the examination, all candidates take the examination in the standardized examination room and under the whole video surveillance; After the exam, the video of the examination room will also be played back and reviewed. Candidates should consciously abide by the requirements of the rules of the examination room, obey the management of the examiners, refuse to carry illegal and prohibited items such as mobile phones, and abide by the examination discipline. Losing an exam is not important, but losing your life is not worth the loss.

Fourth, spending money to walk is not credible, and there is no "pie" with "trap"

[Case] Parents in a province received a short message from an unknown number, and then they received a message from their "daughter" who lived in the school, saying that they wanted to sign up for a training course offered by a well-known university. Parents are eager to love their daughters and have established contact with a "teacher Zhang" who is in charge of training matters. "Teacher Zhang" said that paying 300,000 yuan can "walk" to this prestigious school. Later, the "daughter" and "teacher Zhang" attacked each other and urged the payment for various reasons, defrauding a total of 180,000 yuan.

[Reminder] There is a strict workflow for college admissions. There is no such thing as "internal enrollment" and "paying for admission" in the process of college entrance examination. Candidates and parents should be highly alert to such deception under the guise of "spending money to buy university places" and "special channel admission". It is necessary to understand and confirm the examination enrollment policies and information from formal channels. False propaganda for some bad training institutions and criminals. Candidates and parents should not be credulous and deluded, so that they are deceived, causing property losses and delaying valuable review time.

Fifth, the college entrance examination volunteers have been tampered with, and information disclosure needs to be vigilant.

[Case] A candidate in a province illegally tampered with the college entrance examination volunteer by using his classmate’s admission ticket number because of his bad relationship with his classmates, which caused his classmates to be affected. The public security organ imposed a five-day administrative detention on the candidate, and the Provincial Admissions Office decided to let the victim re-fill in his volunteers to maintain the fairness and justice of the college entrance examination.

[Reminder] The college entrance examination is an important exam for candidates’ lives, and it is very important to protect the security of personal information. Candidates should carefully keep important information such as personal admission ticket number and login password, always be vigilant, avoid personal information from being leaked to others, and prevent criminals from illegally using information and infringing on personal rights and interests.

Sixth, "Zhankeng Post" is a gimmick, and the "prank" involved in the test cannot be touched.

[Case] After the math subject examination of the college entrance examination in 2023, some counseling institutions and some netizens released some pictures of the test papers, claiming to be "the test questions before the exam" and being suspected of leaking the test questions. After investigation by the public security organs, it was found that it was a malicious editor who "occupied the post". Before the exam, it posted irrelevant posts on the relevant platforms, and then replaced the original content with the content of the test paper after the exam. The post time was still displayed before the exam, which caused the illusion that it was suspected that the questions were leaked before the exam.

[Reminder] Lawyers and experts remind that if candidates maliciously publish such information, they will be suspected of breaking the law in addition to violating the examination discipline, and if the circumstances are serious, it will constitute a crime. If a training institution or other personnel, for the purpose of illegal possession, fictitiously obtains the information of test questions or "real questions" before the exam by publishing "posts occupying pits" to defraud a large amount of public and private property, it is suspected of fraud. Candidates should not "fool" themselves in order to entertain others.

Source/inner mongolia admissions exam

Editor/Jay Song Zhang Xiaomin

Audit/Wang Yuanfei

Final review/Ho Lee Chang Xiujuan

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Xinghe News || On Wednesday, May 29th, 2024, see more Li Kai-dong hosted a work dispatch meeting in the field of people’s livelihood. See more about the establishment of the administrative service and data management bureau of Xinghe County. See more about the awareness of the Chinese nation community | Saiwusu Town and Erdong Town carry out "Ethnic Policy Publicity Month" in various forms. See more about a set of "Beautiful China Summer Scenery" broadcast by CCTV. See more about the beauty of Sumu Mountain in Xinghe County, Wulanchabu.

Original title: "The Ministry of Education released the early warning information of the 2024 college entrance examination! 》

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　　The theme of China this year’s Sixth Five-Year Environment Day is "Building a Clean and Beautiful World". Yesterday morning, Shenzhen Eco-environment Bureau launched "Low-carbon Life, Green Fashion"-the theme online activity of Shenzhen’s sixth five-year environment day in 2022. This is the first time that Shenzhen has adopted AR technology to hold the theme activity of the Sixth Five-Year Environment Day.

　　Zhang Hua, vice mayor, said in a video speech that the responsibility of ecological environmental protection is great and the construction of ecological civilization has a long way to go. Shenzhen will continue to adhere to the people-centered development thought, take peak carbon dioxide emissions as the guide, promote green and low-carbon development, build up the concept that "a good ecological environment is the most universal welfare for people’s livelihood", and give more prominence to precise pollution control, scientific pollution control and pollution control according to law, and cultivate a green background and quality quality of high-quality development, and take the lead in creating a beautiful China model of harmonious coexistence between man and nature!

　　The number of wild animals exceeds 50% of the total in the province.

　　Li Shuisheng, director of Shenzhen Ecological Environment Bureau, said that in the past year, with the efforts of all sectors of society, Shenzhen’s ecological environment has undergone new changes. First, the sky is bluer, and the average annual concentration of PM2.5 has dropped to 18 μ g/m3, a record low since the monitoring data; Second, the water is clearer. More than half of the rivers in the city have reached excellent water bodies. Maozhou River and Dapeng Bay have been shortlisted for the case of beautiful rivers and lakes and beautiful bays in the country respectively, and citizens have more "punching places" for loving water and music. Third, the land is greener. The total number of parks in the city has increased to 1238, and the total length of greenways has reached 2843 kilometers. Citizens can fully enjoy the beauty of nature in the city. Fourth, the ecology is better. The number of wild animals exceeds 50% of the total in the province. Leopard cats that are hard to find have appeared frequently in the city many times. In the past, Tangyu, which was declared extinct in the wild, reappeared in natural mountains and streams, and many animal friends who once disappeared came back.

　　Next, Shenzhen will take the synergy of pollution reduction and carbon reduction as the overall starting point, fight the tough battle of pollution prevention and control in depth, continuously improve the ecological environment, and let the citizens enjoy more green ecological benefits.

　　The number of users of the "Low Carbon Planet" applet exceeds 900,000.

　　In order to let more Shenzhen people join the ranks of ecological civilization construction, in 2021, Shenzhen Ecological Environment Bureau, Shenzhen Emissions Exchange and Tencent Company jointly created the "Low Carbon Planet" applet, the first carbon universal operation platform in Shenzhen, so that every citizen can participate in carbon reduction actions in their daily lives.

　　Shenzhen citizens open personal carbon accounts through the "low-carbon planet" applet, calculate the public travel behavior that Tencent bus code participates in as carbon dioxide emission reduction, accumulate carbon points in the accounts, participate in carbon market transactions, and become participants in a green and low-carbon life.

　　According to the big data of Shenzhen Metro’s operation in 2021, Shenzhen Metro will provide about 784,000 tons of low-carbon public travel carbon emission reduction in 2021, which is equivalent to the annual absorption of 39,200 hectares of forest land. With the continuous deepening of the "Low Carbon Planet" applet, its total number of visits has exceeded 3 million, the number of users has exceeded 900,000, and the accumulated carbon points have reached 1.3 million.

　　Publish the first green paper of natural schools in China

　　During the day’s activities, the Shenzhen Municipal Bureau of Ecology and Environment, in conjunction with the Publicity and Education Center of the Ministry of Ecology and Environment, released the Green Paper for Natural Schools in 2022, which is the first green paper for natural schools in China.

　　Zhang Yali, deputy director of Shenzhen Ecological Environment Bureau, revealed that in 2014, Shenzhen established the first natural school in China. The Regulations of Shenzhen Special Economic Zone on Eco-environmental Protection, which was revised last year, clarified the legal status of "natural schools" for the first time through local legislation. In 2020, the Shenzhen Bureau of Ecology and Environment initiated the "National Natural Schools Hand in Hand Action" to further spread advanced natural education concepts, management models and high-quality resources to more natural schools, and truly realize the co-construction and sharing of environmental education resources.

　　Star environmentalists launch environmental protection initiatives to the public.

　　In order to give full play to the typical demonstration and value leading role, this year, Shenzhen has selected a number of units and individuals who have made outstanding contributions to eco-environmental protection from all walks of life, including 13 outstanding pollution control and cleaning projects, 6 green enterprises, 10 most beautiful eco-environmental volunteers, 5 most beautiful eco-environmental organizations, 2 natural schools and 3 environmental education bases.

　　During the event, Zhang Xuefan, Party Secretary of Shenzhen Eco-environment Bureau, presented awards to the winners and individual representatives.

　　During the Sixth Five-Year Environment Day, celebrities Nan Zhaoxu, Tang Muhan, Chen Chusheng, Wu Keyue and wangxin launched environmental protection initiatives to the public. The management bureaus of Shenzhen Ecological Environment Bureau and many excellent enterprises and organizations have also launched activities related to this.

　　On the same day, the "air classroom" online course platform of Shenzhen Education Bureau opened the ecological environment theme online course to 1.5 million primary and secondary school students in the city in a rolling way; The Belt and Road Environmental Technology Exchange and Transfer Center (Shenzhen) also held the first eco-environmental story micro-video creation competition to encourage the public at home and abroad to record their eco-environmental stories with videos.

The implementation plan of Shenzhen’s "14 th Five-Year Plan" and "No Waste City" was issued

　　The reporter learned from the Municipal Bureau of Ecological Environment yesterday that the office of the Shenzhen Ecological Environment Protection Committee issued the Implementation Plan for the Construction of a Waste-free City in Shenzhen during the Tenth Five-Year Plan period (referred to as the Implementation Plan) on May 27th. According to the Implementation Plan, during the Tenth Five-Year Plan period, Shenzhen will build 24 indicators, implement 36 key projects and 110 tasks through eight major actions, and make every effort to promote resource recycling, waste reduction and carbon reduction.

　　It is reported that in 2019, Shenzhen, as the first batch of pilot cities for the construction of "waste-free cities" in China, with the mission of exploring the model of solid waste treatment in super-large cities, put forward four-stage goals of "starting", "running with" and "leading".

　　From 2019 to 2020, Shenzhen successfully completed the construction task at the start-up stage, set up a four-wheel-drive construction framework system of system, market, technology and supervision, comprehensively improved the capacity of solid waste utilization and disposal, initially formed a green production and lifestyle, led domestic cities in terms of domestic waste recycling rate, industrial solid waste production intensity and other indicators, and the solid waste safe disposal system reached the international advanced level.

　　In order to continue to deepen the construction of a "waste-free city", Shenzhen has set standards for cities and regions such as Tokyo, San Francisco, Singapore, etc., and strives to achieve the goal of following the running stage in 2025, and lay the foundation for achieving the goal of "running side by side" in 2035 and "leading" in the middle of this century.

　　The Implementation Plan proposes the following objectives:

　　By 2025, the intensity of domestic garbage and industrial solid waste will increase towards zero, and the primary domestic garbage, municipal sludge, general industrial solid waste and agricultural waste will be zero-landfilled, and the effect of waste reduction at the source of the city will be remarkable. The recycling capacity of all kinds of solid waste, such as "turning waste into materials" and "turning waste into energy", has been significantly improved. The proportion of outbound disposal of construction waste decreased significantly, and all kinds of solid waste were safely disposed of. The system, market, technology and supervision system of solid waste management tend to be perfect, and the emergency disposal guarantee system is established and improved. The synergistic effect of pollution reduction and carbon reduction has been brought into full play, and the main indicators of "waste-free city" construction have reached the international advanced level, and a model of "waste-free city" in megacities has been initially built.

　　By 2035, it will be built into a "waste-free city" with "less emissions at the source, full utilization of resources and zero landfill of waste", and green development and green lifestyle will be fully formed, with remarkable results in reducing pollution and carbon. The main indicators of "waste-free city" construction are ahead of the international advanced level, the intensity of domestic waste and industrial solid waste has decreased significantly, and the recycling rate of domestic waste ranks in the forefront of the world, realizing the modernization of solid waste management system and capacity.

　　Eight major actions are the key contents of the Implementation Plan, namely, national waste reduction, classified collection, resource recycling, safe disposal, reform and innovation, waste-free culture, regional cooperation, waste reduction and carbon reduction.

　　At the same time, the "Implementation Plan" also clarified five aspects of safeguard measures, and formulated the index system, project list and task list for 2022 to comprehensively promote the construction of Shenzhen’s "waste-free city".

Shenzhen launches new experience of "zero waste camping"

Yesterday, Shenzhen Bay Park Sunrise Theater held the "Zero Waste Camping" Experience Day.

　　Since the beginning of this year, the camping fever has continued to climb in Shenzhen. On the occasion of World Environment Day’s arrival, yesterday, Shenzhen Urban Management and Comprehensive Law Enforcement Bureau held a "Zero Waste Camping" experience day in Shenzhen Bay Park Sunrise Theater, and released the "Praise List of Camping Tents in Shenzhen Park", hand-painted posters, proposals for protecting green space, etc., to guide citizens to use tents with standardized sizes, separate garbage delivery, etc., to care for green space and jointly protect the park environment.

　　At the beginning of this year, 22 parks in Shenzhen designated tent areas to open to the public, and more and more citizens experienced the new fashion of camping in the parks. With the growing number of park campers, the sales of outdoor camping equipment have also increased. "The sales of Decathlon camping products increased nearly tenfold during the Dragon Boat Festival compared with the same period last year." Ji Yueli, Commercial Director of Decathlon Shenzhen Outdoor Sports, told the reporter, "Sunshades suitable for park camping, small tents with sun protection, and some tables, chairs and picnic mats are very popular."

　　While opening the tent area, the park is also actively maintaining and managing it. Liang Zhiyu, deputy director of Shenzhen Park Management Center, issued an initiative at the event site, recommending the use of tents with standardized sizes. No open fire cooking, hammocks, pets and tents are allowed in parks or tent areas, so that more people can share nature.

Nanshan Energy Ecological Park Phase II is fully completed and some supporting facilities will be open to the public.

　　What does it feel like to go through the garbage incineration equipment and drink coffee on the chimney to see the sea view? You can experience it in the second phase of Nanshan Energy Ecological Park. Yesterday afternoon, Shenneng Environmental Protection Nanshan Energy Ecological Park held the "Cloud" Opening Activity of "Keeping the Initial Heart of Environmental Protection and Building a Clean and Beautiful Shenzhen-Nanshan Energy Ecological Park", and introduced the knowledge of garbage incineration and recycling to the general public through the live broadcast of the cloud exhibition and the media open day, so as to awaken the environmental awareness of the whole people.

　　Yesterday afternoon, the reporter came to the second phase of Nanshan Energy Ecological Park. As soon as he entered the factory, he was attracted by the appearance of the main factory building in front of him. I saw the glass curtain wall with novel design. The traditional chimney disappeared, but it was hidden in a calla lily-shaped building. From the appearance, it can’t be seen that it is a garbage incineration plant. Entering the second floor is the shell-shaped Shenzhen Garbage Sorting Science Education Base and Recycling Art Exhibition Hall. Walking in the visiting corridor, you can clearly see the modern garbage incineration treatment equipment through the floor-to-ceiling glass.

　　According to reports, there is no fence in the second phase of Nanshan Energy Ecological Park. In 2019, the main project of the second phase was completed and put into operation. In addition to the "main business" of garbage incineration power generation, this year, the architectural appearance and some popular science education and Huimin projects were completed. In the ecological park, the first art exhibition hall opened in the energy ecological park-recycling art exhibition hall, the only sky bar coffee shop built on the chimney in Shenzhen and other supporting facilities have been innovated. The ecological park has various functions such as holding various art exhibitions, environmental protection salons, industry exhibitions and forums, which will be gradually opened to the public. It is worth mentioning that the coffee bar is located on the top floor of the chimney, with a 360-degree view. From there, you can see the busy Mawan Port, lush Nanshan, white Ferris wheel and blue sea.

　　In order to let citizens get close contact and experience the benefits of circular economy to modern life, Nanshan Energy Ecological Park will open an appointment in the next step. The public can make an appointment to visit and experience various educational and interactive projects in the park, such as the integration and interaction of garbage classification, and learn about the knowledge of garbage classification by means of somatosensory interactive games; The following sunken lecture hall can experience the huge projected underwater world, as if you were in a beautiful marine environment, and understand the construction concept of power plants and the high-tech centralized control room; In addition, citizens can also enjoy leisure time in the Sky Bar Cafe overlooking the sea and the panoramic view of Nanshan.

　　At present, the first and second phases of Nanshan Energy Ecological Park treat more than 2,300 tons of domestic garbage every day, which not only helps Nanshan District to realize the "self-production and self-sale" of the total domestic garbage, but also treats some domestic garbage in Futian District and Luohu District, and achieves the most stringent Shenzhen standard for environmental protection discharge in China. While solving the siege problem of municipal solid waste, the garbage incineration facilities will be changed from "neighborhood avoidance" to "neighborhood benefit" by building a five-in-one complex of "production (production and office), learning (popular science education), publicity (environmental protection propaganda), research (scientific and technological research) and tourism (industrial tourism and leisure and entertainment).

Futian cultivates 18 projects with near-zero carbon emission.

　　On the afternoon of June 5th, Futian District and the Municipal Bureau of Ecology and Environment held a joint party building activity of World Environment Day and "Carbon Road Pioneer" with the theme of "Building a Clean and Beautiful World Together" in Xinzhou Primary School. This activity practices the concept of green and low carbon with practical actions, and the printing paper, environmental protection bags and other items used in the activity can be recycled. Li Shuisheng, director of the Municipal Bureau of Ecology and Environment, and Huang Wei, secretary of Futian District Party Committee attended the event.

　　As a central city, the first good area, and also a national demonstration area for ecological civilization construction, Futian District, with the responsibility of "first good environment", on the one hand, continuously improves the ecological environment, on the other hand, makes full efforts to promote the near-zero carbon construction of the first batch of pilot units. In the process, Futian District has also actively cultivated a number of near-zero carbon emission pilot reserve projects. In 2022, Futian District will concentrate on cultivating 18 near-zero carbon emission pilot projects, including 1 near-zero carbon emission area, 1 near-zero carbon emission community, 10 near-zero carbon emission campuses and 6 near-zero carbon emission buildings, so as to push forward the pilot work of peak carbon dioxide emissions and carbon neutrality.

　　During the activity, the Party General Branch of Futian Administration Bureau of the Municipal Bureau of Ecology and Environment and the Committee of red ridge middle school (Hongling Education Group) in Futian District of Shenzhen signed the agreement on building an ecological fortress to be a pioneer of carbon road, and jointly created a pilot project of near-zero carbon emission on campus, striving to form a demonstration standard of near-zero carbon campus in the whole city and even the whole country.

Nanshan builds a digital water-saving construction site

　　June 5th is World Environment Day. On the same day, the construction site of OPPO International Headquarters Project in Nanshan District, Shenzhen officially completed the renovation and upgrading of mud water treatment technology, becoming the first digital water-saving construction site in Shenzhen.

　　OPPO International Headquarters Project is located in Shenzhen Bay Super Headquarters Base, with a total construction area of about 248,000 square meters and the highest height of 199.75 meters. It is a combined skyscraper integrating office, restaurant, business and cultural facilities. It is designed by the internationally renowned Zaha Hadid office and undertaken by China Construction Second Bureau. Upon completion, it will become a new landmark of Shenzhen Bay Super Headquarters Base.

　　The reporter saw at the construction site that the yellow mud water in the mud water collection pool flowed to a chest-sized cabinet through a water pump. When it was opened, two huge drums were automatically dispensing medicine, and the mixer kept stirring the mud and the medicine together. After the mixed liquid flows through a long pool and a tin can, a clear water sample can be taken out from the tap, which is not much different from ordinary tap water in appearance. There is also a cabinet similar to a small refrigerator next to it, which clearly shows various water quality indicators and water quantity data.

　　Chen Yuyi, the person in charge of Shenzhen Yunke Energy Conservation and Environmental Protection Technology Co., Ltd., the service unit of the digital water-saving management system, introduced that the sludge treatment equipment can quickly treat the yellow sludge water generated at the construction site, and it only takes 10 seconds to realize sludge separation, and the effluent reaches the reclaimed water standard. "The shared management platform built through big data aggregation and cloud computing can not only help the construction site to understand the water saving situation, but also help the government to manage the water consumption of construction sites, recycle water resources and monitor whether the discharged water quality reaches the standard in real time, so as to realize the digitalization of water saving management."

Longgang released a synergistic action plan to reduce pollution and carbon.

　　On the morning of June 5th, the launching ceremony of the 2022 Sixth Five-Year Environment Day in Longgang District was held in Shenzhen International Low Carbon City.

　　The Synergistic Action Plan for Pollution Reduction and Carbon Reduction in Longgang District released at the launching ceremony is the first synergistic action plan for pollution reduction and carbon reduction in the city. The scheme constructs a "1+8+26" synergistic work system for pollution reduction and carbon reduction in Longgang. Among them, "1" refers to "one goal", that is, to accelerate the establishment of the first batch of carbon-neutral pilot demonstration zones in Guangdong Province in Longgang District, to form a low-consumption, low-emission, recyclable and sustainable green and low-carbon development mode with Longgang characteristics, and to provide a replicable "Longgang model" for pollution reduction and carbon reduction synergy to the whole province and even the whole country; "8" refers to deepening pollution reduction and carbon reduction from eight major areas, including mechanism construction, integrated pollution reduction and carbon reduction, key link path, multi-dimensional and multi-point demonstration, service supervision, transformation effect of two mountains, multi-party cooperation and carbon inclusive system; "26" refers to 26 specific tasks deployed around key areas.

　　In order to further optimize the business environment and open up online and offline closed-loop services for pollution reduction and carbon reduction, the WeChat applet "Longgang Environmental Assistant" and the mobile APP application "Qingbaobao" were also launched at the event site, providing enterprises with "ordering" guidance services and solving two major problems of site selection and industrial solid waste treatment. At the same time, Longgang has also built a "green treasure box" with enterprises. When the mobile phone is swept away, renewable resources can be recycled, which will boost the circular economy and the acceleration of green and low-carbon life.

????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.
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　　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".

Take the CEO model as an example, the starting price is about 1,417,500 RMB, and the specific price will fluctuate according to the configuration and market preferences. Buying a Maserati is not only the pursuit of luxury, but also a commitment to quality life.

In addition to the price, the cost of owning a Maserati also includes insurance. For example, the annual insurance cost of the president series may be between 28,000 and 41,000 RMB, depending on the vehicle model and the type of insurance selected. In terms of maintenance, such as Maserati GTSport, the minor maintenance is about 3,000 yuan, and the major maintenance is over 1000 yuan. Together with the daily expenses such as fuel, beauty and car wash, it is estimated that the annual cost can reach about 100,000 yuan.

When choosing Maserati, price, performance, brand influence and after-sales service are all important factors. Although Maserati once had close ties with Ferrari and Fiat Group, it is now directly affiliated to Fiat Chrysler Group. As a representative of luxury cars in Italy, Maserati pays attention to the integration of design aesthetics and craft quality, as well as the unremitting pursuit of driving pleasure.

If you are interested in Maserati’s family history, you know that the name comes from Italian railway worker Rudolf Maserati of Carolina and his seven children. Their innovative spirit and love for speed gave birth to this legendary brand. From the founder Alfieri Maserati to the present, the brand has experienced a glorious journey, constantly introducing amazing models to satisfy customers’ desire for luxury and speed.

Of course, each brand has its advantages and disadvantages. For example, compared with Porsche, Maserati may have advantages in some aspects, such as exterior design and luxury interior, but Porsche may be superior in quality control and handling performance. When buying a car, consumers need to make the most appropriate decision according to their own needs and preferences, as well as the budget.

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