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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

News hotline/0474-7215507

Submission email/xhrmt2019@126.com

Disclaimer: Original manuscript of Xinghe County Rong Media

Please indicate that it is from the official WeChat of Vitality Xinghe.

Selected previous issues

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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　　Recently, the documentary "Life on Earth" caused quite a shock, not only popular social networks, but also scored 9.7 on Douban after the last episode was broadcast the night before, which was described as "going against the sky". Curiously, why is such a documentary that will cause discomfort in perception popular? Can it promote the communication and understanding of the doctor-patient relationship? Some voices pointed out that at the moment when reality shows and fantasy dramas dominate the screen, it can be described as a clean stream, and the truth it shows can touch people’s hearts most.

　　Do not play cards according to common sense and present death intuitively

　　In the first episode, "Human Life" directly presented a failed medical case, which made people face death directly. In the film, Zhao Qiang, director of cardiac surgery department of Shanghai Ruijin Hospital, received Wang Bin, a 27-year-old patient with Marfan syndrome. This congenital disease is synonymous with "death" in the medical field. The patient’s aorta will tear at any time and he will die of massive bleeding. If you want to save him, you must replace all the aorta of the patient with artificial blood vessels, which is equivalent to "half a person has to cut it open." But he accepted the operation, but finally the next day after the operation, patient Wang Bin didn’t survive because of acute renal failure.

　　The second episode "Understanding" tells the story of the 120 ambulance, which reflects various reasons for delaying the ambulance in reality.

　　The ninth episode "Love" is the one that makes the audience cry the most. In the program, Zhang Lijun, 26, was married to her husband for less than a year, and was pregnant for five months, but was diagnosed with terminal cancer. At this point, the patient needs to make a decision, whether to be born or not? Finally, the patient chose to have a caesarean section when she was 7 months pregnant. The premature baby weighed just over 2 kg, but it showed great vitality. With the progress of treatment, her hair fell off and she could not see one eye. While eating the reunion dinner, the family’s mixed smiles and tears were impressive. For this reason, countless people are moved by the spiritual willpower of the parties, the great maternal love and the feelings of ordinary people.

　　The audience felt: objective and positive is the best place.

　　For these true stories, many viewers said that they "cried and watched the program", and many characters were memorable: "There are strong mothers who have been afraid to cry all the time, and finally burst into tears when signing and dying, and there are those who dare not write down ‘ Give up treatment ’ The shaking hands, the patient who smiled pale at the camera one second and then lay down in the hospital bed with no breath, the paramedic who slept day and night, the patient who just got a liver transplant and regained life, and the family members who were finally rescued with joy, whether it was silent tears or heartbreaking wailing, are all touching forces. This documentary truly tells us that there are many joys and sorrows in the world.

　　Another audience thinks that the program reminds people to cherish the present, "How precious and fragile is life? Faced with the dilemma of choosing whether to do or not to do surgery, the pain of pious prayer but not returning to life is hidden in the film. Please realize the preciousness of life and cherish the people around you. "

　　"Life on Earth" also broke the traditional plot routine of "rejuvenation with wonderful hands" in the past, and truly described the doctor’s inner pain and life struggle. Some netizens commented: "I have seen too much ‘ Perfect ’ Medical publicity, such an angle is even more touching. " Some people feel the same way: "Sometimes healing, often helping, always comforting, very objective and positive, this is the original appearance of medical care."

　　The crew responded to the question:

　　"There is no element of directing in advance."

　　It is reported that the filming time of "Human Life" is close to two years, and it goes deep into the front line of medical treatment and operating table, intuitively showing the various situations that doctors have in the race against death. Some doctors are helpless and frustrated when they face failure, some patients say goodbye when they face the end of their lives, and some families are anxious to wait when they face the unknown. When shooting, the photographer "put on" all the equipment, even if the patient’s blood splashed on his face, he was unmoved, which is evident in the hardships.

　　Despite this, in addition to word of mouth, there are also different opinions. Some people questioned that "shooting affects treatment": "It is hard to say whether shooting will interfere with the operation, and whether patients and their families will face the camera in a critical moment will aggravate their tension, which deserves further consideration."

　　Others think that the documentary has the problem of emotional imbalance: "It reflects the doctor’s hard work, the harsh working environment and the mind of saving lives, trying to call for respect for doctors, but the doctor-patient relationship can not be solved simply by understanding doctors, which is a bit superficial and lacks reflection."

　　The general director of "Human World" responded that "recording honestly and expressing sincerely" is the principle of the creative team. No matter whether the film is perfect or not, it must be the result of real recording, and there is no element of prior director and arrangement. Talking about the original intention of shooting, he said: "We hope to take the hospital as the origin, and show a real human world by observing the hospital, a specimen of social contradictions, with both the brilliance of human nature and the helplessness of life."

　　How to shoot a medical documentary?

　　Touching people’s hearts is the key.

　　For a long time, due to the patient’s privacy, medical ethics, the audience’s discomfort with the picture, and the unique contradiction between doctors and patients in China, the number of medical documentary programs is small and the specific operation is very difficult, but there are also some relatively successful works.

　　"Destiny of Life" broadcast by Beijing Satellite TV is a pioneer of this kind of program in China: it extends its tentacles to emergency rooms, rescue rooms and operating rooms, including both monitoring cameras and suction-type cameras installed in ambulances, rescue rooms, labor rooms and other places, from which the audience will touch the state of doctors and patients in the moment of life and death.

　　The "Emergency Room Story", which had gained high reputation before, also aimed the camera at the medical scene, and its ratings were also very bright. Many people also said that it was a "work of conscience". It was shot in the Sixth People’s Hospital of Shanghai, aiming at the joys and sorrows of the emergency room, but using a fixed camera instead of a mobile camera. Doctors and patients often don’t realize that they are being filmed, so as to minimize the interruption of diagnosis and treatment. After doctors get used to it, it is difficult to hide their true emotions and daily habits, which leads to the documentary being more realistic and less deductive.

　　Entertainment theory

　　Accept the cruelty of life and the shock of human heart.

　　Throughout our past medical film and television dramas, some of them did not truly reflect the work and life of medical staff, but dealt with them with dramatic effects, such as doctors singing and flirting in the operating room; Tell jokes to nurses while pushing patients in the emergency room; Chatting in the ward office in overalls and eating at will; There are even many loopholes in professional issues such as how to hold a scalpel. These things are not allowed in any hospital in reality.

　　When the real situation of the hospital is covered by gag, many people are influenced by this kind of industry drama, which is likely to aggravate the misunderstanding of doctors and medical care.

　　Seeing this, if the writers and directors in medical drama can take more snacks, carry out more field work before writing, and ask more experts during the process of writing, there will not be so many jokes in the play, and it will not help or even be detrimental to the improvement of the doctor-patient relationship.

　　In this regard, it is self-evident that medical documentaries that do not shy away from the conflict between doctors and patients and adopt a real style, and it is expected that they will be supported by the audience. Of course, we can’t expect a documentary to improve the contradiction between doctors and patients much, but it at least makes us realize that in many cases, the fuse that intensifies the contradiction between doctors and patients is often not the doctor’s dereliction of duty or reckless behavior, or the poor quality of the people and the unreasonable troubles of their families, but that many people can’t accept the variables and risks in medicine, and anyone’s mood will be amplified in the face of human life. In this sense, the broadcast of this documentary enables us to "enhance our understanding through understanding". Although doctors are regarded as angels in white, they are human beings, not gods, and may run slower than "death".

　　As described in the film, the patient died, but the family members were still grateful to the doctor, saying that "life must go on and we will do everything as usual". Therefore, we also need to accept the cruelty of life replacement and the shock that people’s hearts bring to everyone when facing death.

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1905 movie network news Directed and directed by Bo Huang, the film starring Wang Baoqiang, Shu Qi, LAY, Yu Hewei and Wang Xun will be released nationwide on August 10th. Ten days before the release, the film The Island released a set of "Fable" posters. There are nine posters in the whole group, and everyone is in pairs, with different looks. The clothes, hairstyles and picture background all reflect the hard living environment on the island and the natural and simple lifestyle of people living on a desert island. At the top of each poster, there are two four-character idioms, which are profound and thought-provoking, and the complex relationship between characters is also beginning to take shape.

　

Bo Huang’s attempt to kiss Wang Baoqiang was rejected, and Yu Hewei Wang Xun was funny and funny.

It is reported that the film The Island tells an allegorical story about the employees of the company who were shipwrecked on a group trip and were forced to live together on a desert island, and faced a series of "human nature" problems. In the film, Bo Huang plays Ma Jin, a clerk at the bottom of the company, Wang Baoqiang plays Xiao Wang, a tour guide and driver, Shu Qi plays Shanshan, a beautiful and enchanting public lover, and LAY, Yu Hewei and Wang Xun respectively play Ma Jin’s cousin Xiaoxing, the boss Zhang Zonghe and the company’s middle-level director Pan.

In the poster, Wang Baoqiang stood on the reef in high spirits, showing his leadership style, while Bo Huang crouched down and peeped secretly. At the top of the poster, the sentence "There is an eagle on his head and a wolf at his feet" seems to imply that Wang Baoqiang was attacked from front and back, and his leadership position is about to be lost. Bo Huang and Yu Hewei are hiding in the jungle, and their expressions are mysterious. It is not clear that they are plotting something and who will be the beneficiary. After spying, Bo Huang tried to hug and kiss Wang Baoqiang, but Wang Baoqiang resisted. The word "friend or foe" in the poster showed that the two men belonged to different camps, and the secrets were curious. At the same time, Yu Hewei and Wang Xun, once top executives of the company, are now in rags and unkempt appearance. Wang Xun even wears only a big vest, while Yu Hewei doesn’t forget to drink with a goblet in such a situation. The phrase "Let go of self-esteem and stick to principles" may reflect their mood at the moment.

　

Bo Huang LAY started from scratch by fishing, and Huang Bo helped Shu Qi to shampoo and show his tenderness.

Two posters of Bo Huang and LAY vividly show the living conditions of people on a desert island, that is, "unarmed, starting from scratch", but the phrase "poverty makes perfect, and poverty can make up for it" seems to imply that Ma Jin and Xiaoxing, the bottom figures, will have a turn for the better on the island.

Unlike the mysterious posters between men, the two posters featuring Bo Huang and Shu Qi are much sweeter in style. Shu Qi wore a skirt cut with blue and white sheets and a garland. Even if she was on a desert island, she couldn’t cover her beauty, while Bo Huang smiled and compared her fingers to a photo frame, making no secret of the joy of being in close contact with her dream lover. In the warm candlelight, Bo Huang helps Shu Qi to wash and dress her long hair intently, and her eyes are full of tenderness. What kind of sparks will they have on this desert island?

On April 24th, the production workshop and production line of Lifan Technology Company were in operation. Reporter Xie Zhiqiang photo/visual Chongqing

　　Core tips

　　Lifan Industrial (Group) Co., Ltd. (referred to as "Lifan Shares") is a representative enterprise of China automobile and motorcycle industry, and the first private passenger car enterprise listed on A-share. After the debt crisis of Lifan in 2019, the Chongqing Municipal Government took Liangjiang New Area as the main body, adhered to the principle of "rule of law and marketization", and promoted the judicial reorganization of Lifan and its ten wholly-owned subsidiaries through the judicial path of bankruptcy reorganization.

　　After the reorganization, Lifan Technology (Group) Co., Ltd. (referred to as "Lifan Technology") came into being and quickly flourished. According to the latest report of the first quarter of this year, the company’s main income, net profit returned to the mother and other indicators have achieved substantial growth year-on-year.

　　From the risk of bankruptcy liquidation and delisting, Lifan has realized "quenching new life" by unloading huge debts and developing positively. This case was rated as "Special Case of Optimizing Business Environment in Chongqing" and major reform case, and "Typical Case of Promoting High-quality Development of Private Economy" by the Supreme People’s Court, which was written into the Work Report of the Supreme People’s Court of the Fourth Session of the 13th National People’s Congress.

　　On May 19th, the machine roared at Ruilan Automobile Assembly Plant in Liangjiang New Area. Ruilan Automobile was incorporated in January this year, and was jointly funded by a subsidiary designated by Geely Automobile Holdings Co., Ltd. and Lifan Technology. Not long ago, more than 20 new models were tried out here.

　　"Every month, car sales are increasing, workers’ wages are rising, and everyone’s work enthusiasm is very high!" Zhao Xingze, a 47-year-old assembly plant employee, told the Chongqing Daily reporter.

　　The enthusiasm of the workers comes from the quarterly report of Lifan Technology-the company’s main income is 1.249 billion yuan, up 48.74% year-on-year; The net profit of returning to the mother was 50.849 million yuan, up 220.54% year-on-year; Deducted non-net profit was 42,624,800 yuan, up 187.83% year-on-year.

　　What twists and turns and difficulties has Lifan experienced from bankruptcy reorganization to turning losses into profits? What vital roles did the principles of rule of law and marketization play in promoting the nirvana and rebirth of this enterprise? What thinking and value did it bring?

　　With these questions, the reporter visited the Chongqing Bankruptcy Court, Liangjiang New District, the heads of Lifan technology enterprises and some employees, and reviewed the whole process of Lifan’s judicial reorganization.

　　Desperate for change

　　Judicial reorganization and introduction of strategic investors

　　Lifan, founded in 1997 and listed on the Shanghai Stock Exchange in 2010, is the first private passenger car enterprise in China to be listed on the A-share market.

　　Lifan and its ten wholly-owned subsidiaries have formed a multinational enterprise group that mainly produces and sells automobiles, motorcycles and engines. It has been selected as one of the top 500 Chinese enterprises for ten times, and its export volume has ranked first in Chongqing for many years.

　　However, due to the deep transformation of the automobile and motorcycle industries, as well as the comprehensive factors such as strategic investment losses and poor internal management, since 2017, enterprises have gradually fallen into a business and debt crisis, with huge financial debts defaulting, major assets being mortgaged and pledged, and the main business is basically at a standstill. Lifan shares and ten wholly-owned subsidiaries are insolvent.

　　"Use lifelessness to describe the situation at that time." Referring to the situation of Lifan in the first two years, Zhong Xian, director of Lifan Technology, said with a sigh that at that time, Lifan shares were facing huge debts. With the stagnation of the main automobile industry, the motorcycle machine plate was "unable to support itself", which led to the tight cash flow of Lifan shares and gradually fell into a vicious circle of "financing at high interest rates and quenching thirst by drinking poison".

　　"Not only that, the internal management of Lifan shares is chaotic, the management personnel are jumbled, the rights and responsibilities are unclear, the approval process is lengthy and the implementation is slow." Zhong Xian said frankly that Lifan is facing a very serious problem, involving the employment of more than 6,000 people, more than 1,200 judicial cases accumulated by more than 1,000 enterprises in the upstream and downstream of the industrial chain.

　　"In the past few years, the company has been in a semi-discontinued state. Our main job every day is training and cleaning." Zhao Xingze has been rooted in Lifan for more than 12 years. He recalled that when he heard the news that Lifan was going bankrupt and looked at the semi-discontinued workshop, many young people chose to find another way out. The original assembly plant of 500 to 600 people left less than 100 people.

　　"This is not only related to the employment of more than 6,000 employees, but also may lead to secondary risks of supply chain enterprises in the industrial chain and spillover financial risks of financial institutions." Zhu Jun, the person in charge of the "Manjianghong" project in Liangjiang New Area and the general manager of Liangjiang Industry Group, said that in order to promote Lifan on the verge of bankruptcy, the municipal party committee and the municipal government immediately set up a "special class for restructuring Lifan Holding Company" with the city leaders as the team leader and deputy team leader. Liangjiang New Area transferred 20 backbones from investment, law, finance and taxation, industry and other fields to set up a "Manjianghong" project special class to tackle the problem full-time at the urban level.

　　"Lifan has a huge enterprise system, involving listing, finance, overseas and other subjects. How to reorganize it has become the primary issue." Zhu Jun recalled that the working class found the "cause" through a comprehensive analysis of Lifan’s assets and liabilities-the main automobile industry was stagnant, and external blood transfusion and simple debt restructuring were useless.

　　After repeated argumentation and comparing the feasibility of agreement reorganization and judicial reorganization, finally, the reorganization class decided to realize industrial transformation and upgrading through judicial reorganization and introducing strategic investors in accordance with the principle of "rule of law and marketization" to completely solve the problem of Lifan shares.

　　Industrial restructuring

　　The tortuous road of "inducing war"

　　After investigation, Liangjiang New Area and intermediary agencies found that it was more difficult for Lifan to introduce strategic investors than expected.

　　The special work class of "Manjianghong" project in Liangjiang New Area has intensively docked more than ten large domestic automobile enterprises. However, at that time, the domestic automobile industry was at a low point in the industry, and many institutions made it clear that they had no intention or ability to participate in the Lifan project.

　　Lifan’s road to "leading the war" is deadlocked.

　　Through in-depth research, the Chongqing Municipal Party Committee and the Municipal Government clearly focused on introducing Geely, a self-owned brand car company that grew against the trend that year.

　　"In late September 2019, we held repeated consultations with Geely Group for six times: on the one hand, we invited senior management of Geely Group to visit Chongqing, communicated face to face with city leaders, real controllers of Lifan and creditors’ representatives, and conducted field research on Lifan to understand the real situation of the enterprise; City leaders have repeatedly visited Hangzhou to sincerely’ lead the war’, fully expressing Chongqing’s confidence and determination to support Lifan’s transformation and restructuring. " Zhu Jun introduced that in the end, the two sides reached a feasible bankruptcy reorganization and "war-inducing" scheme. On December 27th of that year, Liangjiang New Area and strategic investor Geely Technology successfully signed a "war-inducing" agreement.

　　Break the predicament

　　102 days to complete judicial reorganization

　　The participation of strategic investors enhanced the confidence of creditors, and Lifan began to enter the stage of judicial reorganization.

　　In fact, Lifan’s corporate restructuring process is tortuous and complicated, and it has encountered a lot of unprecedented problems, creating a number of "firsts" in innovative cracking, such as the first comprehensive use of all existing bankruptcy restructuring models in judicial practice.

　　"Lifan Co., Ltd. and its ten wholly-owned subsidiaries involve many debtor enterprises, and there are many difficulties in the trial of the reorganization case." Wu Hong, President of Chongqing Bankruptcy Court, introduced.

　　However, it only took 102 days from entering the judicial reorganization to the final crisis relief, which was more than 60% shorter than that of similar cases.

　　"We coordinated and promoted, and creatively proposed to make overall use of the share certificates transferred by the investors of listed companies to introduce strategic investors and pay off the debts of listed companies and ten subsidiaries as a whole, and comprehensively resolve the risks of enterprise groups." Wu Hong said.

　　He introduced that in order to give full play to the decisive role of the market in resource allocation, Chongqing innovation adopted the "financial investor+industrial investor" model.

　　Liangjiang Fund Company, a state-owned strategic investment platform in Liangjiang New Area, and Geely Group, a leading private automobile enterprise in China, participated in the reorganization in the form of a consortium. Financial investors introduced funds, and industrial investors introduced new businesses and technologies to jointly build an electric vehicle industry with new energy for electricity exchange, realize industrial transformation and upgrading, and form a dual "driving force" to promote enterprise rebirth.

　　"State-owned platform companies and private enterprises jointly take the lead in setting up investment funds to introduce social capital to participate in enterprise restructuring, give financial support for enterprise development, and make full use of market-oriented means to save enterprises." Wu Hong said, in addition, make full use of the linkage mechanism of "government and hospital" in enterprise bankruptcy disposal, establish a cross-line, cross-departmental and cross-regional coordination system, coordinate and reorganize all matters, effectively promote the integration of reorganization work, and help the effective market and the promising government to better integrate through judicial reorganization.

　　Nirvana rebirth

　　Bankruptcy and delisting crisis finally lifted.

　　After the draft reorganization plan is released, what remains is how to get most creditors to agree to this plan.

　　"What is particularly memorable is that before voting on the draft reorganization plan, in order to ensure that as many as 22 independent voting procedures were all passed, we decided to start with two key dimensions: the amount of creditor’s rights and the number of creditors." Deng Ling, director of the Judicial Bureau of Liangjiang New Area, said that on the one hand, 87 key creditors with a total amount of over 80% were screened out, and one-on-one communication plans were drawn up in different categories and levels, and they went to all parts of the country to visit or video communicate one by one; On the other hand, for the remaining 2,600 small or operating creditors, carpet communication and explanation were carried out at the pace of more than 600 creditors per day, and finally the creditors voted with high votes, which not only avoided the approval of judicial compulsory ruling, but also created favorable conditions for subsequent creditors to cooperate with the implementation of the reorganization plan.

　　In the end, Lifan has 12 reorganization plans in the listed and unlisted sectors, and a total of 22 voting procedures have been passed by high votes, with an average passing rate of 92.14%, of which the voting rate of the investor group is 100%.

　　It is worth mentioning that in August 2020, the Chongqing Bankruptcy Court officially ruled that Lifan was reorganized. Lifan shares must decide to approve the reorganization plan and basically implement it before the end of 2020, so as to avoid the risk of delisting, which requires high reorganization time.

　　"Therefore, during the trial of the case, the Chongqing Bankruptcy Court made specific arrangements for important time nodes by combining the legal time limit with the time to complete the task, and all the work was promoted efficiently and orderly." Wu Hong said.

　　On November 30, 2020, Chongqing Bankruptcy Court ruled to approve the reorganization plans of Lifan and its ten wholly-owned subsidiaries respectively. Immediately, Lifan enterprises carried out a package of legalization and market-oriented judicial reorganization.

　　On February 8, 2021, Chongqing Bankruptcy Court ruled that the reorganization plan was completed and the reorganization procedure was terminated, which was 110 days earlier than the six-month execution period stipulated in the reorganization plan, thus avoiding the risk of delisting of listed companies.

　　On April 26 of the same year, Lifan shares "picked the stars and removed the hats" and changed its name to Lifan Technology.

　　At this point, the bankruptcy and delisting crisis of Lifan enterprises has finally been lifted.

　　Li Shufu, chairman of Geely Holding Group, also recognized the judicial reorganization of Lifan. He said: "Chongqing has a good business environment and a good investment environment. Lifan itself is a well-known and influential enterprise in the industry, so no matter from its brand value or the foundation it has formed over the years, we think Lifan is worth reorganizing. "

　　Revive one’s vitality

　　Safeguard the interests of all parties and achieve win-win situation.

　　Dismantling the "bomb" attracts the "golden egg". After judicial reorganization, Lifan’s fundamentals have been completely changed, and its governance system has been completely reconstructed-Chongqing Manjianghong Equity Investment Fund Partnership (Limited Partnership) holds 29.99% of the company’s equity and becomes the largest shareholder; Geely Technology Group Co., Ltd. holds 20% equity of the company through Chongqing Jianghehui Enterprise Management Co., Ltd. and becomes the second largest shareholder.

　　"We have reorganized from Lifan to form a comprehensive strategic cooperation with Geely, and through joint efforts, Geely has made Chongqing an important fulcrum for the strategic layout of the western region." Zhu Jun introduced.

　　First, promote the polar star high-end new energy base to settle in Liangjiang New District. The total investment of this project is 7 billion yuan, and the price of bicycles produced is expected to reach more than 600,000 yuan, which will be the passenger car with the highest price of bicycles produced in Chongqing.

　　The second is to introduce the headquarters of Geely Industrial Internet-Wide Area Mingdao. The company has been selected as a national-level dual-span industrial Internet platform enterprise and a national-level characteristic professional industrial Internet platform pilot demonstration project;

　　The third is to introduce the Danish Shengbao Financial Technology Headquarters, a financial technology company acquired by Geely Holding in Denmark, and introduce saxo’s advanced algorithms, models, infrastructure and other core technologies into China.

　　"In the next step, we will also plan to promote the landing of projects such as’ Happy Millions’ and form a new ecological cluster of Geely Holding Group." Zhu Jun said.

　　"Geely, as a new industrial investor, not only injects funds into Lifan Technology, but also injects other major development factors." Zhong Xian introduced that the reorganization of Lifan Technology produced a new board of directors, with Xu Zhihao, CEO of Geely Technology Group, as the chairman, and the daily operation was led by Geely Technology, and quickly introduced the first new battery replacement model of Geely-Maple Leaf 80V. According to statistics, as of April this year, this model has produced more than 5,400 units.

　　At the same time, 15 technologies of the vehicle production line have been upgraded, and the advanced quality control system and product development process of Geely Science and Technology Group have been introduced, which has restored the vehicle production capacity and revived the enterprise.

　　In terms of operation and management, Lifan Technology has re-divided its business into automobile sector and Motong sector, and all industrial sectors have coordinated management as a whole, with matching capital resources in place. Moreover, the organizational structure of the enterprise has been adjusted and optimized, and the flat management has been realized by setting posts and staffing, optimizing the allocation of personnel and posts, and stabilizing the workforce.

　　"The most important thing is that based on these changes, the overall atmosphere of Lifan Technology is no longer lifeless, but vibrant and positive." Zhong Xian said.

　　The data shows that after the judicial reorganization, Lifan’s debts have been solved, all employees’ creditor’s rights have been paid off, and creditors’ rights and interests have been guaranteed; Resolved the secondary risks of more than a thousand industrial chain and supply chain enterprises and the spillover risks of more than 70 financial institutions; It has stabilized the employment of more than 5,700 on-the-job employees, safeguarded the interests of all parties, and achieved a win-win situation.

　　In the eyes of front-line employee Zhao Xingze and his colleagues, there is work every day, wages are rising gradually, and subsidies are increasing, which means that the enterprise is alive and hopeful!

　　"A few years ago, we worked in the assembly line for no more than 10 days a month." Zhao Xingze said that everyone has been working overtime recently, just to get the new models that have been tried out into mass production as soon as possible.

　　"As an old employee, I have witnessed the glory and trough of Lifan, and I hope to witness Lifan’s further glory in the future!" Zhao Xingze said.

　　Expert opinion > > >

　　Xu Yangguang, Professor and Doctoral Supervisor of Law School of Renmin University of China:

　　Achieve a high degree of unity of political, legal and social effects.

　　At present, in the face of the new situation of increasing downward pressure on the economy, how to prevent financial risks, support the development of enterprises, promote bankruptcy and reorganization, and create a good legal environment has been a problem that local governments and judicial departments have been thinking about.

　　Lifan’s judicial reorganization case is the first judicial reorganization case of a listed company in the automobile and motorcycle industry in China. Its successful reorganization is precisely a set of "methodology" for the transformation of large enterprises from difficulties formed in Chongqing.

　　On the one hand, in order to prevent the occurrence of regional financial risks, the financial debt crisis of Lifan enterprises was comprehensively resolved by disposing and reorganizing non-essential assets, paying off debts by installments, and transferring shares to pay off debts, which effectively realized the "soft landing" of regional financial risks. At the same time, according to the target requirements of "six stabilities" and "six guarantees", the reorganization procedure effectively resettled the employees of the original enterprises, maintained the production and operation of more than 1,000 enterprises in the upstream and downstream industrial chains, and avoided a series of social risks, thus maximizing the interests of creditors, debtors, investors and other parties, achieving a high degree of unity of political, legal and social effects, and providing a sample for the orderly development of China’s capital market.

　　On the other hand, the automobile manufacturing industry is one of the pillar industries in Chongqing, and it is now in a critical period of transformation and upgrading. Through judicial reorganization, the management and debt crisis of Lifan and its ten wholly-owned subsidiaries were completely resolved, and the turnaround was fully realized. At the same time, through judicial reorganization, industrial investors with leading position in the industry are introduced to build a new ecology of intelligent new energy automobile industry, which provides a powerful judicial service and guarantee for helping Chongqing automobile manufacturing industry to transform and upgrade and promote high-quality economic development.

　　Our reporter Huang Qiao

????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.
?

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

Nehe city Rong media center

Have you ever paid attention to carcinogens around you? Recently, the topic of "super carcinogen Aspergillus flavus around us" has attracted attention in Weibo.

Aflatoxin is a strong carcinogen produced by Aspergillus flavus! As early as 1993, aflatoxin was classified as a class 1 carcinogen by the World Health Organization, with its toxicity 68 times that of arsenic, 10 times that of potassium cyanide, and 70 times that of dimethylnitrosamine, which is extremely destructive to liver tissue. Regular intake may increase the risk of liver cancer. [1]

In addition to aflatoxin, there are actually some "carcinogens" around us, which are likely to enter the diet and life every day.

1. Aflatoxin: moldy grain and nuts.

Among moldy foods, one kind of mildew comes from Aspergillus flavus, especially in grain. In 2007, an assessment of dietary exposure of Chinese aflatoxin published in China Journal of Food Hygiene pointed out that corn and rice were the main contribution foods to dietary exposure of Chinese aflatoxin. [2]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

In addition, peanuts and peanut oil may also contain aflatoxin.

Common sources of aflatoxin

Moldy corn, rice

Moldy, especially in foods with high starch content, such as corn and rice.

Deteriorated nut

When you eat bitter nuts, you must spit them out immediately and rinse your mouth.

Broken and unclean bamboo and wood chopsticks

Chopsticks themselves will not grow Aspergillus flavus, and starch is easily hidden in unwashed chopsticks, which poses a risk of mildew.

Inferior sesame paste

Using inferior and deteriorated sesame seeds and peanuts as raw materials, aflatoxin may exist in peanuts.

Earth-pressed peanut oil

Some "earth-squeezed oil" or self-squeezed oil has no quality control, and the equipment is not easy to be thoroughly cleaned, and the residual oil stains and grain residues are easy to mildew. [3]

2. benzopyrene: food that has been roasted and fried at high temperature.

Pan Zhanhe, deputy chief physician of the Oncology Department of Zhongshan Hospital affiliated to Xiamen University, said in the Health Times article in 2017 that heterocyclic amines and polycyclic aromatic hydrocarbons may be produced in the production process by barbecue or smoking, among which the most well-known one is benzopyrene, which may be contained in many baked and smoked foods. [4]

A study published in Jinan University in 2018 found that the intake of polycyclic aromatic hydrocarbons in the barbecue process was: eating barbecue food > skin contact > lung inhalation.

This means that during barbecue, the skin absorbs more carcinogens than the lungs inhale. [5]

Common sources of benzopyrene

roast

It may be produced during barbecue or smoking.

High temperature fried food

Cooking oil will produce a lot of benzopyrene at high temperature, and the higher the oil temperature, the more it will be produced.

Cooking oil fume

The cooking fume will also carry benzopyrene, so don’t wait for the oil in the pot to smoke before putting the food. [6]

3. nitrosamines: smoked and pickled food.

Zhang Qin, vice president of Jiangsu Cancer Hospital, said in the program "Meeting a Famous Doctor" on Jiangsu City Channel in 2019 that smoked bacon food contains a lot of nitrosamines, and the incidence of some digestive system tumors, such as esophageal cancer, is related to the intake of nitrosamines in the diet. When smoked food and wine are ingested together, the harm of nitrosamines to human health will multiply. [7]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

Pickled products often contain more nitrite. Although nitrite itself does not cause cancer, it will combine with protein to form nitrosamines when it enters the body. In addition, some nitrosamine compounds, such as nitrosodimethylamine, will be produced in the process of dehydration of Chinese salted fish, which are carcinogenic. [8]

Common sources of nitrosamines or nitrites

Processed meat products

Nitrite is added to some processed meat products such as sausages, ham and bacon.

Overnight dish

Overnight vegetables, especially overnight green leafy vegetables, will produce nitrite, and the nutrition will be discounted.

Smoked and cured food

Pickles, salted fish, bacon, high-salt pickled and smoked foods contain nitrite. For example, the most nitrite in pickles is between two or three days and ten days after the start of pickling. [9]

4. Tobacco tar: inhaled by tobacco burning.

Smoking and second-hand tobacco smoke are classified as Class 1 carcinogens. During the burning process of cigarettes, nearly 4000 new chemicals are formed. Most of these substances are harmful to people, among which nicotine, nitric oxide and tobacco tar are the most harmful, and the latter is the chief culprit of cancer. [10]

Moreover, smoking is not only a kind of cancer that causes lung cancer, but also closely related to the occurrence of nasopharyngeal carcinoma, oral cancer, esophageal cancer and other related cancers.

5. Acetaldehyde: an intermediate product produced after drinking.

The main component of wine is ethanol, which is oxidized into acetaldehyde after entering liver cells. The latter is hepatotoxic and carcinogenic, and excessive accumulation in the body will cause serious harm to the liver. [11]

Reproduction and use of copyright pictures in the gallery may lead to copyright disputes.

Acetaldehyde related to the intake of alcoholic beverages is classified as a class 1 carcinogen. According to the statistics in the 2014 World Cancer Report, 3.5% of cancers are caused by alcohol, and one in every 30 cancer deaths is caused by alcohol. [12]

Although there are various carcinogens around us, carcinogens can cause some cancers, which refers to a possibility after long-term and excessive intake. If you only eat a little occasionally or touch it occasionally, don’t worry, it’s still safe.

Original title: "Five super carcinogens hidden around you, see if you eat them often! 》

Read the original text

　　[New Car Launch in car home] On the evening of November 12th, Ferrari officially announced on its website that its (|) convertible model, the Ferrari SF90 Spider, made its world debut. The new car will be equipped with a convertible mechanism that can be opened and closed electrically, which is the first convertible hybrid model produced indefinitely after Ferrari LaFerrari Aperta. It is reported that the new car will be delivered before the end of spring or early summer in 2021.

"Screenshot of the global online conference, please forgive the poor quality"

More exciting videos are all on the car home video platform.

● New car features
Ferrari’s first plug-in hybrid production convertible model

　　In terms of appearance, the new car is basically the same as the hard-top version of SF90 Stradale, with an active aerodynamic kit integrated on the front enclosure, and the "Tomahawk"-shaped front nose cone is reminiscent of F1 racing cars. The headlight groups on both sides of the new car adopt the shape of the letter "L" and merge with the air inlet below, which also forms an air bridge design on the front engine compartment cover to increase the downforce of the front of the new car.

　　On the side of the car body, the new car adopts a very streamlined shape, and the design of different colors on the roof and body highlights the unique body lines of its sports car. The new car adopts a folding hardtop convertible mechanism, which can be opened and closed in only 14 seconds, and the convertible only takes up 100 liters of trunk space when it is put away. Starting from the B-pillar of the car body, the whole rear cover has become a mechanism that can be opened upwards, so as to retract the roof into the "trunk". In addition, the opening mechanism does not affect the overall line of the side air intake and roof of the new car, and it still looks smooth. The wide side fenders at the front and rear of the new car, with 20-inch spokes and ceramic carbon fiber braking system, make the new car look full of gas.

　　In the rear part, the new car uses a duck-tail spoiler with a large size. Although it is a hard-top convertible design, the rear cabin cover is still made of glass. After the convertible is put away, you can still see the powerful V8 engine, and you can enjoy the roar brought by the V8 engine and the quiet under pure electric cruise. Both of them are very comfortable. The exhaust system with the center and double outlets has also been specially adjusted by Ferrari, which can make a more pleasant sound. In terms of body size, the length, width and height of the new car are 4704/1973/1191mm and the wheelbase is 2649mm respectively.

　　In the interior part, the new car still adopts the center console design that surrounds the driver’s seat, and its surface is covered with a large number of carbon fiber component decorative panels. Of course, the corresponding materials can also be customized according to the needs of users. The new car adopts an all-LCD dashboard, which integrates a newly designed HMI human-computer interaction interface, and the vehicle information with digital display style is clear at a glance. With the touch-type multifunctional flat-bottomed sports steering wheel, the driver can complete various multimedia operations and vehicle regulation without leaving the steering wheel. In addition, the new car also introduces a head-up display system, which can project the main information on the windshield in the driver’s field of vision, so that the driver can concentrate on driving.

　　In terms of power, the new car is still equipped with a plug-in hybrid power system consisting of a 3.9T twin-turbocharged V8 engine and three motors. The comprehensive power of the system is 1,000 horsepower, and the pure electric battery life can reach 25 kilometers. In terms of transmission system, the new car is matched with an 8-speed dual-clutch gearbox and equipped with a full-time four-wheel drive system (RAC-e). The acceleration time of 0-100km/h is 2.5 seconds, and the acceleration time of 0-200km/h is only 7 seconds. In addition, the car will provide four power modes for the driver to choose from. It is worth mentioning that the new car will provide the owner with regular maintenance service for up to seven years. The seven-year original factory maintenance plan is also for all Ferrari models, and covers regular routine maintenance for the first seven years.

● New car background

　　Ferrari SF90 Stradale was launched in the world on May 30, 2019, and was launched and listed in China on October 29 of the same year. The price of the new car was 3.988 million yuan. The launch of SF90 Stradale was to pay tribute to the 90th anniversary of the founding of Ferrari, and it was also a brand-new positioning car launched by Ferrari for many years. Different from the traditional convertible sports car, V8 sports car, V12 sports car, GT sports car and flagship sports car, the new car is a work of art that Ferrari engineers combine track genes accumulated for many years with new plug-in hybrid technology, and it is also an important product launched by Ferrari for electrification transformation.

● Edit Comment:

　　In fact, it seems that the global epidemic has not affected the sales of these ultra-luxury models too much, and the rich will still be obsessed with customizing all kinds of super sports cars. The Ferrari SF90 model is not only the representative of Ferrari technology, but also a rare hybrid version of Ferrari production models. After enjoying the stimulation brought by the twin-turbo V8 engine, it can also contribute to the global environmental protection cause. After all, the new car is different from LaFerrari Aperta, and the SF90 can drive in a purely electric way.

　　According to Ferrari’s electrification process, although Ferrari said that it would not let its models completely enter the era of pure electrification in the short term, it is undeniable that the power increase brought by electrification cannot be ignored. SF90 is such a model that integrates Ferrari’s cutting-edge electrification technology, which not only brings powerful power performance, but also leads Ferrari into a new energy era. (Text/car home graduated)

　　Pilot enterprise units of automobiles imported from the same source, directly from overseas and in parallel. At present, Tianjin Port imports 2023 models of 1500TRX Tyrannosaurus Rex showroom in parallel, and now many cars are sold. The invoice is issued on the same day when the procedures are complete. There is no regional restriction on the national six B emission standards, and the country has settled down and registered normally. With the diversification of people’s car demand, pickup truck models are also loved by more and more people. Multi-choice models with rich colors, direct sales to all parts of the country, and professional national mortgage loans to buy cars. For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

　　2023 Dodge 1500TRX Tyrannosaurus Rex, in terms of design, Dodge RAM was previously dubbed "Tyrannosaurus Rex" by Chinese people, which looks fierce and focuses on hard-core wild style. The front part of the large irregular mesh is very eye-catching, and the periphery is outlined with thick black ornaments, plus the internal blackened mesh structure, which is aggressive. The middle "RAM" letter is also blackened, so the recognition is improved. The headlights on both sides are tough, and the embedded light source is dot matrix layout, so there is no need to worry about the irradiation effect after opening. The front bumper is very generous and layered, which can play a good protective role. It also adds three light sources in the middle part of the hood, which cooperates with the air inlet structure and is very windy when driving in the street.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex came to the side, and the large black wheel eyebrows at the front and rear of Dodge RAM were very eye-catching. The excellent height from the ground indicated that it also had good traffic capacity in a variety of complex road conditions. The size of the multi-spoke wheel hub is very prominent, and the surface of the off-road special tire is densely covered with gullies, which has excellent grip. The exterior rearview mirror extends outward for a certain distance, so that the observation field is wider and it is convenient for drivers to master the road conditions at the rear.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex has shown strong competitiveness in many aspects, helping it seize more living space in the field of luxury pickup trucks. Its rough appearance will be favored by consumers, and its strong power is a big advantage. However, the price of the car is too expensive, the fuel economy is not very friendly, and the follow-up maintenance costs, its audience is still relatively limited, it is difficult to obtain very eye-catching sales data.

　　The 2023 Dodge RAM1500TRX Tyrannosaurus Rex walked into the car, and the interior configuration of Dodge RAM was a little crude compared with many pure electric vehicles. It still retains the mechanical pointer instrument panel, but it is more suitable for its hard-core pickup positioning. The large embedded central control screen has good definition and rich built-in functions, but a large number of traditional physical buttons and knobs are reserved around it, which is convenient for drivers to realize "blind operation" while driving, but the scientific and technological atmosphere is greatly reduced. The multi-function steering wheel is a bright spot. Not only the layout of the function buttons above is compact, but also carbon fiber decorative materials are added. The visual beauty and control feel are worthy of recognition.

　　2023 Dodge RAM1500TRX Tyrannosaurus Rex, in terms of power, Dodge RAM is equipped with a 6.2L supercharged engine, which can obtain a maximum power of 523 kW and a peak torque of 880 Nm. The engine is also applied to Hellcat, and its strong and abundant performance output is loved by many consumers. Its transmission is matched with an 8-speed automatic manual transmission, and the gear shift is smooth. Of course, the four-wheel drive system is not absent, helping the car to have a reliable ability to get out of trouble. It is worth mentioning that the car only takes 4.6 seconds to accelerate for 100 kilometers, and its top speed can reach 190km/h, so it can be regarded as a "performance beast". In order to improve driving comfort, it not only covers the seat with leather material, but also is equipped with the exclusive suspension system of TRX model.

　　Pilot enterprise units of automobiles imported from the same source, directly from overseas and in parallel. The car models sold by our company can apply for loans all over the country, with low interest, simple procedures, no handling fees and quick approval. Add WeChat to buy a car and get a luxury gift package worth 10,000 yuan. WeChat updates the latest model quotation and picture configuration every day, and more car information configuration quotations and preferential activities are published on WeChat. Welcome to add! Our company promises that this vehicle is a brand-new vehicle imported from the original factory, and provides the official customs clearance, commodity inspection, invoice, certificate of conformity, environmental protection list, two-dimensional code of vehicle electronic information and vehicle purchase tax declaration form for this vehicle. For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

　　For more details, please call the 24-hour car consultation hotline: 18822276757 Ou Manager (with WeChat).

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