According to The Paper’s report on the 4th, the name of businessman Shi Zengchao once enjoyed a good reputation in Ningbo’s political and business circles: there are many companies under his name, covering textiles, mining and import and export trade; The self-created textile brand "CheTex" went to Africa as early as the beginning of the new century, and the legendary story of ten years of gold digging was frequently reported in newspapers. He is also a caring person who is keen on public welfare and invested in the construction of Hope Primary School in Chishou Township, Songyang County, Lishui City. He was also a member of the economic sector of the Fourth CPPCC in Jiangbei District of Ningbo and a municipal people’s supervisor elected by the Zhejiang Provincial Department of Justice in 2015 …

The inflection point appeared on September 7, 2016. On the same day, Wang Meng, a girl adopted by Shi Zengchao for 8 years, reported to Xinming Police Station of Yinzhou Branch of Ningbo Public Security Bureau that she had been molested and raped by Shi Zengchao since she was 7 years old, which lasted for several years. During this period, Huang Chunmiao, one of Shi Zengchao’s mistresses, assisted Shi in raping her several times.After the incident, Shi Zengchao fled Africa (now listed as a Hongtong person). In November of the same year, another suspect, Huang Chunmiao, was criminally detained by Ningbo police.

Recently, The Paper learned about the latest development of this case from the online judgment documents of China. The People’s Court of Yinzhou District, Ningbo City found through trial that,Huang Chunmiao was sentenced to 13 years in prison according to law for committing rape and indecency against girls under the age of 14 for a long time with others, which constituted the crime of rape and child indecency.

Online "looking for a girl": adopting a 7-year-old girl without going through the adoption procedures.

When I first met Huang Chunmiao, whom she later called "Sister Vivi", Wang Meng was only seven years old. In 2001, Wang Meng was born in Beijing. When he was two or three years old, his mother Zhang Guiying left home without her and several other children.

In 2008, Wang Meng’s father died. The first-instance judgment of Huang Chunmiao’s case found that in October 2008, Huang Chunmiao pretended to be Shi Zengchao’s wife and together with Shi Zengchao "adopted" Wang Meng from Wang Meng’s half-sister Wang Yang, but did not go through the adoption formalities.

According to Wang Yang’s testimony, after his father died, he consulted the adoption procedures on the orphanage website and left his own email address, hoping to find someone to adopt Wang Meng. After a month or two, Shi Zengchao contacted him by email address. After they met in Shanghai in mid-September, 2008, Shi Zengchao said that he was busy at work and that his "wife" Huang Chunmiao would contact him in the future. Soon, Wang Meng was "adopted" by Huang Chunmiao at his residence in Ningbo.

Huang Chunmiao, born in 1987, was only a 21-year-old college student. The Yinzhou District Court of Ningbo found out that in the process of communication with Shi Zengchao, Shi Zengchao asked her to post on the Internet to adopt a younger girl, and Huang Chunmiao agreed. It was at this time that Huang Chunmiao saw the mailbox left by Wang Yang under the consultation column of adoption procedures on the orphanage website.

The Paper noted that Article 15 of the Adoption Law of People’s Republic of China (PRC) promulgated in December 1991 clearly stipulated that adoption should be registered with the civil affairs department of the people’s government at or above the county level. Where an abandoned baby or child whose biological parents cannot be found is adopted, the civil affairs department that handles the registration shall make an announcement before registration.

In addition, the Adoption Law also stipulates that adoptees refer to minors under the age of 14 who cannot live with their parents due to special reasons, including orphans who have lost their parents, abandoned babies and children who can’t find their biological parents, and children whose biological parents have special difficulties and are unable to raise their children. The adopters prescribed by law should also be guardians of orphans, social welfare institutions and biological parents who have special difficulties and are unable to raise their children.

Wang Meng was "adopted" without going through any formalities. Zhang Guiying, the mother, said that she didn’t know her daughter was no longer in Shanghai until early 2009, and she was "taken away by a Ningbo family with better conditions".

Two-faced Characters: Pioneers in the Media Spotlight

The "good conditions" in Zhang Guiying’s mouth correspond to the export trade with Africa that Shi Zengchao managed for several years before the incident.

"The story of starting a business can’t be told for three days and three nights, and I am destined for Africa in my life." According to previous media reports, Shi Zengchao has been engaged in textile foreign trade business in Ningbo since he graduated from university in 1994, and in 1998, he established Ningbo Jinsheng Haida Company, which is mainly engaged in African textile fabric business. In March, 1999, Jinsheng Haida set up its first branch in Benin, Africa, and its export value in that year exceeded 10 million US dollars.

Shi Zengchao was interviewed by Ningbo media in Africa.(Source: WeChat WeChat official account "No.4 Qiyang Road")

However, when The Paper consulted the industrial and commercial information, he found that Ningbo Jinsheng Haida Import and Export Co., Ltd. was actually established in February 2005, and its business scope showed food wholesale and retail; Self-management and agency of import and export business of all kinds of goods and technologies; Wholesale and retail of fuel oil, nonferrous metals, chemical products (except dangerous goods) and mineral products.

According to the report of ningbo evening news on October 24th, 2013, at that time, Jinsheng Haida had seven branches in six African countries, mainly in West Africa and East Africa, employing more than 800 African-American employees, and the textile price of its own brand CheTex was even more than 10% more expensive than that of its peers.

At that time, Shi Zengchao also drew a magnificent blueprint for Jinsheng Haida: "I will speed up the establishment of a sales network and channels covering the whole of Africa, and my goal is to be the NIKE of Africa".

On December 19th, 2014, when the first overseas chamber of commerce in Ningbo was established in Benin, Shi Zengchao also publicly stated that CheTex had firmly taken the "top spot" of China textiles in Africa.

According to Phoenix Finance, since 1998, Shi Zengchao has established branches in Benin, Nigeria, Senegal, Gambia, Mali, Lomé and other countries. In 2012, he also founded the China-Africa Chamber of Commerce in Nigeria and served as the president himself.

Besides being a successful businessman, Shi Zengchao often appears in public as a caring person.

In 2008, Shi Zengchao and his wife Xie Mou invested to build a teaching building for Chishou Township Central Primary School in Songyang County, Lishui City, Zhejiang Province, and later the school was renamed "Chaoning Hope Primary School". On November 15th, 2008, Shi Zengchao went to Chaoning Hope Primary School in Chishou Township to visit teachers and students, and donated more than 2,000 extra-curricular reading materials at the official website of the Communist Youth League Committee in Zhejiang Province. He was accompanied by the then Deputy Secretary of the Communist Youth League Committee.

With the gradual growth of business, Shi Zengchao’s relationship with local political circles has become increasingly close.In January 2012, Shi Zengchao was elected as a member of the economic sector of the Fourth CPPCC in Jiangbei District, Ningbo. In July 2015, Shi Zengchao was among the first 1,154 people’s supervisors selected by the Zhejiang Provincial Department of Justice.

Sexual assault: collaborating with mistresses and raping young girls more than 20 times in three years.

After being adopted by Shi Zengchao, Wang Meng’s nightmare began.

The verdict found that Shi Zengchao had molested Wang Meng and Huang Chunmiao had assisted him.

On November 29th, 2009, Wang Meng ran away from home, unable to bear the indecency. Evidence shows that two days later, Huang Chunmiao went to Jiangxia Police Station of Haishu Branch of Ningbo Public Security Bureau to report that Wang Meng was missing. On December 9 of the same year, Huang Chunmiao took Wang Meng back from Jiangxia police station.

The Yinzhou District Court found that during the three years after Wang Meng returned, Shi Zengchao raped him more than 20 times, and Huang Chunmiao assisted him many times. Since 2012, Shi Zengchao has taken Huang Chunmiao and Wang Meng to live in Jinhua. Huang Chunmiao arranged for Wang Meng to rent alone in a residential area in Wucheng District, and lied to the landlord that Wang Meng was his sister. During this period, Huang Chunmiao would take Wang Meng to the hotel to have sex with Shi Zengchao every once in a while.

In May 2014, Huang Chunmiao brought Wang Meng back to Ningbo at the behest of Shi Zengchao, and rented a house separately in Yinzhou District, and Shi Zengchao paid the rent. Until January 2015, before another mistress of Shi Zengchao, Li Li, moved in, Wang Meng lived alone.

Li Li also admitted in her testimony that she had sex with Shi Zengchao when Wang Meng was present, while Wang Meng was watching TV and playing computer. Li Li also said that the three of them had sex together many times.

In 2015, Shi Zengchao once again changed a residence in the high-tech zone for Wang Meng, but Wang Meng said that history still comes once a week or 10 days.

According to the verdict, in the past eight years, at least three mistresses of Shi Zengchao once had a relationship with Wang Meng.

When it came to light, the suspect fled Africa and a mistress was sentenced to 13 years.

According to the testimony of a mistress named Shen, Shi Zengchao once entrusted her to look for two runaway junior high school girls in a Baidu post bar named "Run away from home" in addition to Wang Meng, who was "adopted". Xu Yan is one of them. In October 2007, she left home and came to Ningbo.

On August 12, 2016, taking advantage of Xu Yan’s stay in Ningbo, Wang Meng went to her hotel and cried that she was sexually assaulted by Shi Zengchao when she was 7 or 8 years old. On August 31 of that year, Wang Meng went to Shanghai to find Xu Yan. "I have been crying about Shi Zengchao." Xu Yan advised her to call the police.

On September 7, 2016, Wang Meng came to Xinming Police Station of Yinzhou Branch of Ningbo Public Security Bureau to report the case. According to Wang Yang’s testimony, after the police intervened in the investigation, Shi Zengchao called Wang Yang, saying that he and Wang Meng were "affectionate", not rape, and hoped to drop the case. Shi Zengchao also asked Wang Yang to persuade Zhang Guiying to do Wang Meng’s ideological work. After Wang Yang refused, the two sides lost contact.

However, the testimony of Shi Zengchao’s other mistress surnamed Mao said that she met Wang Meng in Thailand half a month after he reported the case, that is, on September 23, 2016. When Shi Zengchao met, he said that a girl said that he raped and extorted 200,000 yuan. He didn’t give it, and the girl called the police. The chat record between her and Shi Zengchao retrieved by the police from Wang Meng’s mobile phone shows that Wang Meng once asked why Shi Mochao raped her when she was seven or eight years old. Shi Mochao replied: This matter needs to be interviewed.

However, since mid-September, Shi Zengchao has never appeared in Ningbo. Afterwards, Shi Zengchao’s wife Xie confirmed that he had gone abroad in mid-September 2016 and was in Nigeria, Africa.

On November 22, 2016, Huang Chunmiao in the same case was arrested by the police in the residence of No.76 Baoping Road, Xiguan Street, Wucheng District, Jinhua City.

Shao Jianwei, defender of Huang Chunmiao and lawyer of Zhejiang Shouwang Law Firm, said in court that Huang Chunmiao was an accomplice because he was not deeply involved in the world and could not resist the temptation of money and feelings. In response to this defense opinion, the court finally did not adopt it.

During the trial of the case, Huang Chun Miao’s family paid Wang Meng 100,000 yuan in compensation, and Wang Meng voluntarily gave up other civil compensation claims against Huang Chunmiao and asked the court to give him a lighter punishment.

In December 2017, the People’s Court of Yinzhou District, Ningbo City, Zhejiang Province found through trial that Huang Chunmiao was sentenced to 13 years in prison for committing rape and indecent assault on girls under the age of 14 with others for a long time, which constituted the crime of rape and indecent assault on children.

The verdict also shows that Shi Zengchao has been pursued by the public security organs by issuing a red wanted order.

In the judgment, witness testimony revealed Shi Zengchao’s QQ number. On July 2, 2018, The Paper became a friend with the QQ account on the judgment, and asked him about the current operation of Shi Zengchao as a job seeker. The other party responded that "there is no recruitment at present". According to media reports, after Shi Zengchao fled to Africa, the company under his name encountered many lawsuits. Zhong Ming, an attorney of some cases and a lawyer of Zhejiang Hechuang Law Firm, said in an interview with the media that Jinsheng Haida Company had suspended its business due to poor management.

(Wang Meng, Wang Yang, Zhang Guiying, Li Li and Xu Yan are pseudonyms)

　　"Building a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles promoting each other is a major decision made according to the changes in China’s development stage, environment and conditions, especially based on the changes in China’s comparative advantages."

　　In the important speech recently published by Qiushi magazine, General Secretary of the Supreme Leader, "Implementing the new development concept in the new development stage will inevitably require the construction of a new development pattern", General Secretary of the Supreme Leader comprehensively analyzed and explained the construction of a new development pattern, and asked the whole party to accurately grasp the strategic concept of accelerating the construction of a new development pattern from a global and strategic perspective. The general secretary pointed out that building a new development pattern is "a first move to grasp the initiative of development, not a forced move or an expedient measure", "an open domestic and international double cycle, not a closed domestic single cycle" and "a domestic large cycle based on a unified national market as the main body, not a small self-cycle everywhere". The general secretary stressed that building a new development pattern "is a systematic and deep-seated change that concerns the overall situation, and a strategic plan based on the present and with a long-term perspective". Fundamentally speaking, "it is an inevitable choice to adapt to the requirements of China’s new stage of development and shape new advantages in international cooperation and competition".

　　Building a new development pattern is a systematic project. It is necessary to "focus on the top", strengthen strategic planning and top-level design, and "divide it into details" to grasp the focus of work.

　　"Accelerate the cultivation of a complete domestic demand system".This is an important foundation for unblocking the national economic cycle and strengthening the main position of the domestic big cycle. Market resources are China’s great advantage, and we must constantly consolidate and strengthen this advantage to provide strong support for building a new development pattern. It is necessary to promote deep-seated reform and strengthen policy guidance, and strive to get through the key blocking points that restrict the economic cycle; Taking meeting domestic demand as the basic foothold, we will form a higher level dynamic balance of demand pulling supply and supply creating demand; Strengthen the construction of modern circulation system and lay a solid foundation for domestic and international double circulation.

　　"Accelerate the self-reliance and self-improvement of science and technology".This is the key to ensure the smooth domestic circulation and shape China’s new advantages in the international circulation. General Secretary of the Supreme Leader has repeatedly stressed that the most essential feature of building a new development pattern is to achieve a high level of self-reliance and self-improvement. We should understand this issue from the perspective of survival and development, comprehensively strengthen the deployment of scientific and technological innovation, and give full play to the supporting role of science and technology. It is necessary to lay a solid foundation for key core technologies and accelerate the capture of "stuck neck" technologies in important fields; Fully stimulate the innovation vitality of talents, create more world-class leading scientific and technological talents and innovative teams, and cultivate a reserve army of young scientific and technological talents with international competitiveness.

　　"Promote the optimization and upgrading of industrial chain supply chain".This is an urgent need to stabilize the main position of the domestic big cycle and enhance the driving ability in the international big cycle. Manufacturing is the lifeblood of China’s economy, the foundation of the country and the foundation of a strong country. This time, China’s complete manufacturing system has played a vital supporting role in the fight against the COVID-19 epidemic, which once again proves the significance of manufacturing to the development and security of the country, especially big countries. We should attach more importance to enhancing the toughness and competitiveness of the industrial chain, and strive to build an independent, controllable, safe and efficient industrial chain supply chain; Take effective measures to improve the embeddedness of enterprises and promote the orderly transfer of industries in China.

　　"Promote the modernization of agriculture and rural areas".Urban-rural economic cycle is an important aspect of domestic macro-cycle, and it is also a key factor to ensure the healthy relationship between domestic and international two cycles. If the nation is to be revived, the countryside will be revitalized. Realizing the modernization of agriculture and rural areas is an important task of building a socialist modern country in an all-round way and an inevitable requirement to solve the problem of insufficient development imbalance. We must persist in taking solving the "three rural issues" as the top priority of the whole party’s work and fully implement the rural revitalization strategy; Realize the effective connection between consolidating and expanding the achievements of poverty alleviation and rural revitalization, and promote economic and social development and improvement of people’s lives; Persist in promoting the structural reform of agricultural supply side, and strengthen the construction of grain production functional areas, important agricultural product production protection areas and characteristic agricultural product advantage areas; Ensure that the grain is basically self-sufficient and the rations are absolutely safe, and ensure that Chinese’s rice bowl is firmly in his own hands.

　　"Improve people’s quality of life".This is the starting point and the end result of the smooth domestic circulation, and it is also the key connection point for the mutual promotion of domestic and international double circulation. Everything our party has done is to make people’s lives happier and more dignified. It is the fundamental purpose of socialist production to adapt to the changes in people’s needs, strive to run various livelihood undertakings well, and make people’s lives better and better. It is necessary to adhere to the principle of distribution according to work and the coexistence of various modes of distribution, effectively protect the treatment and rights of workers, and continuously expand middle-income groups; Adhere to the problem orientation, do our best and do what we can, solidly promote common prosperity, and constantly enhance the people’s sense of acquisition, happiness and security.

　　"firmly hold the bottom line of safe development."This is an important prerequisite and guarantee for building a new development pattern, and it is also the proper meaning in the problem of unblocking the domestic big cycle. Security is the premise of development, and development is the guarantee of security. We must adhere to the overall concept of national security, adhere to the supremacy of national interests, take people’s security as the purpose, take political security as the foundation, and strengthen the national security system and capacity building; Grasp the relationship between openness and security, weave an open safety net tightly, and enhance the ability to dynamically safeguard national security in the opening environment; Put the protection of people’s lives and safety in the first place, comprehensively improve the ability of public security, and promote people’s living and working in peace and contentment, social stability and order, and long-term national stability.

　　(Editor: Yin Xia, Chen Yilin)

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

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

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

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

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

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

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

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

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

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

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

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

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

????Chapter II Insurance Contracts

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

????Chapter V Insurance Agents and Insurance Brokers

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

????Compulsory insurance, if there are other provisions in laws and administrative regulations, shall apply.
????Article 187 This Law shall come into force as of October 1, 2009.
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Take the CEO model as an example, the starting price is about 1,417,500 RMB, and the specific price will fluctuate according to the configuration and market preferences. Buying a Maserati is not only the pursuit of luxury, but also a commitment to quality life.

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

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

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

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

    Xinhua News Agency, Beijing, January 17th (Reporter Pan Jie, Han Jianuo) According to the data released by the National Bureau of Statistics on the 17th, the gross domestic product (GDP) in 2024 was 134,908.4 billion yuan, an increase of 5.0% over the previous year at constant prices.

    "In 2024, China’s economy overcame various difficulties and challenges brought about by the complex internal and external environment, successfully achieved the main expected goals and tasks, and promoted the effective improvement of economic quality and reasonable growth of quantity. The high-quality development was full of color and the results were not easy." Kang Yi, director of the National Bureau of Statistics, said at the press conference of the State Council Office that day.

    Under the conditions of increasing external pressure and internal difficulties, China’s economic aggregate reached a new level in 2024, surpassing 130 trillion yuan for the first time, ranking second in the world in scale. Globally, China’s 5% economic growth rate ranks among the top in the world’s major economies and continues to be an important power source for world economic growth.

    Quarterly, GDP increased by 5.3% in the first quarter, 4.7% in the second quarter, 4.6% in the third quarter and 5.4% in the fourth quarter. From the ring comparison, GDP increased by 1.6% in the fourth quarter.

    Kang Yi said that in view of the slowdown of China’s economic growth in the second and third quarters of 2024, the CPC Central Committee strengthened macro-control according to the situation, and a package of policies was issued in time, which effectively boosted social confidence and promoted an obvious economic recovery. In the fourth quarter, the growth rates of industrial added value above designated size, service added value and total retail sales of social consumer goods in China were 0.7, 1.0 and 1.1 percentage points faster than those in the third quarter, respectively.

    In the past year, China’s high-quality development has achieved new results, ensuring and improving people’s livelihood has been solidly promoted, grain output has reached a record high, and risks in key areas have been effectively resolved in an orderly manner. In 2024, the proportion of the added value of high-tech manufacturing and equipment manufacturing industries above designated size in the added value of industrial enterprises above designated size rose to 16.3% and 34.6% respectively, up by 0.6 and 1.0 percentage points respectively over the previous year. The national urban survey unemployment rate averaged 5.1%, down 0.1 percentage points from the previous year; The per capita disposable income of residents increased by 5.1% in real terms, keeping pace with economic growth.

    "We must also be soberly aware that the adverse effects brought about by the external environment are deepening, domestic demand is insufficient, some enterprises have difficulties in production and operation, and people’s employment and income are under pressure. There are still many hidden dangers, and it takes hard work to promote economic recovery." Kang Yi said: in the next stage, we should face up to difficulties, strengthen our confidence and take the lead, turn all favorable factors into development achievements, and constantly promote the sustained economic improvement in accordance with the decision-making arrangements of the Central Economic Work Conference.

In the normalization stage of epidemic prevention and control, Liaoshitong health code is a passport that Liaoning people need to show when they enter and leave railway stations, airports, hospitals, supermarkets and other public places or take the subway. In the past, when citizens presented Liao Shitong health codes, they usually had to go through the steps of scanning codes, jumping pages and filling in data, but now a more convenient way of "showing" is coming!

The reporter was informed on September 10 that the public can add the Liaoshitong health code to the homepage of Alipay. When it is necessary to show it, open Alipay and click on the "Health Code" on the homepage at a glance.

It is reported that in order to serve the accurate prevention and control of epidemic situation and help everyone to travel safely, Alipay Liaoshitong Health Code optimizes and integrates the basic information of users, two-dimensional code for epidemic prevention and control (red, yellow and green code), personal report (health statement), vaccination record inquiry, Liaoshitong Health Code Golden Shield, communication big data travel card inquiry, nucleic acid test result inquiry, generation exhibition code, report record, health information, double safety certification green shield and personal health.

Alipay has added more services to the Liaoshitong health code applet, such as: inquiry of epidemic risk levels in various places, self-inspection of peer secret personnel, subway, bus, Alipay sweep, Alipay payment code and so on.

It is worth mentioning that the related functions such as boarding code, travel card and exhibition code can be displayed directly on the right side of the green code interface, and it is very convenient to switch directly with one click. Take the code exhibition function as an example. After entering the name, mobile phone number, certificate type, certificate number, personal relationship and residential address of the agent in advance, a small icon of "code exhibition" will be generated on the right side of the green code of health code. Click it to display the health code of the agent.

According to the requirements of epidemic prevention and control and the demand for convenience, Alipay has simultaneously launched a five-piece set of daily epidemic prevention. In addition to generating the basic function of health code, Alipay can search for keywords such as peer self-examination, nucleic acid detection, travel card and risk level, and all kinds of convenience services can be directly accessed with one click.

1. Display health code and basic information.

After opening the Alipay Liaoshitong health code, the name and ID number of the client can be displayed once (some contents are omitted to protect citizens’ privacy), and green, yellow and red QR codes can be generated at the same time, prompting different degrees of risks. At the same time, the page can also display personal health risk tips, COVID-19 vaccination information, the State Council travel card information and nucleic acid test results.

2, peer self-examination

Many citizens who have traveled by plane, train and other public transportation within 14 days may be worried about whether they have shared with confirmed or suspected patients. Recently, the national government service platform and the Health and Health Commission have launched a self-inspection service for peer secret attendants. The public can search for "peer self-inspection" on Alipay to find out more peace of mind.

3, nucleic acid detection information query

Alipay Liaoshitong Health Code has realized data sharing with all nucleic acid detection institutions in the province. After clicking enter, you can query the results of the latest standard nucleic acid detection, sampling location and sampling time (excluding crowd screening using mixed sampling method in emergency). This electronic certificate has been approved by the provincial headquarters and is common in the province.

4. Travel information query

Click "the State Council Travel Card Inquiry" in the main interface to open the small program of "Communication Travel Card" in the State Council, and display whether the code holder has visited the city where the medium and high-risk areas are located in the past 14 days by verifying the mobile phone number. For the convenience of "one code for all lines", the user can also click the communication big data verification in the health code generation interface, and then the travel risk information will be displayed directly in the interface (this function may require the input of SMS verification code), omitting the links of secondary code scanning and secondary code lighting.

5, around the risk level query

Open Alipay and search for "epidemic risk level query" to view information such as medium and high-risk epidemic areas in China and local epidemic risk levels.

Tips: At present, Alipay Liaoshitong health code has five main functions, which gradually promotes the "one code for all, one code for all" in the health industry and even more scenarios. The display method is as follows:

Method 1: In order to find the health code conveniently and quickly, you can add the health code to the Alipay homepage, which can quickly open the verification. Users who haven’t added the health code to Alipay’s homepage can click "More" in the nine squares of the homepage, click "Edit", find the health code and click "+"in the upper right corner to add it to the homepage.

Method 2: You can also search the Liaoning Health Pass Code applet on Alipay homepage for verification.

　　Start of sequential booster immunization of COVID-19 vaccine

　　[Authoritative release]

　　In the past week, the newly confirmed cases in neighboring countries and regions continued to grow rapidly, and the pressure of "external defense input" in China continued to increase. On February 19th, the press conference of the State Council joint defense and control mechanism was held in Beijing. Relevant experts responded to the situation of epidemic prevention and control and vaccination work.

　　"At present, China’s local cluster epidemic still occurs. With the return after the holiday and the resumption of work, the risk of epidemic spread persists." Mi Feng, spokesperson of the National Health and Wellness Commission and deputy director of the Propaganda Department, stressed that it is necessary to always adhere to the general strategy of "external defense input, internal defense rebound" and the general policy of "dynamic clearing", overcome paralyzed thoughts and relaxed mentality, and accurately prevent and control the epidemic.

　　While still in Spring Festival travel rush, we should do our best to prevent the spread of the epidemic.

　　Wu Liangyou, deputy director of the CDC of the National Health and Wellness Commission, suggested that schools will open one after another during the period of Spring Festival travel rush. The National Health and Wellness Commission will pay close attention to the epidemic prevention and control work in various places, and guide the safe and orderly flow of personnel in conjunction with relevant departments to ensure the overall stability of the epidemic situation during Spring Festival travel rush. At present, the working group sent by the Comprehensive Group of the State Council Joint Prevention and Control Mechanism has been working with local authorities to deal with the cluster epidemic in Liaoning, Inner Mongolia, Guangdong and other provinces and regions to guide the implementation of various measures.

　　Guo Yanhong, inspector of the Medical Administration Hospital Authority of the National Health and Wellness Commission, pointed out that after the outbreak in Baise, Guangxi, the joint prevention and control mechanism of the State Council immediately sent a working group to the front line to guide the prevention and treatment of the local epidemic, and a number of national medical treatment experts joined the working group to carry out medical treatment with local medical experts.

　　Since the first patient was admitted to Baise on February 5, as of February 18, 272 patients were admitted to the local designated hospitals, and 4 cases developed into severe diseases. After careful treatment, two of the four patients have turned mild and there is no critical illness.

　　"From last year to this year, all localities have increased the construction and preparation of designated hospitals. The epidemic situation in Baise mainly occurred in Debao County, which is located in the southwest border and is a border county. Although it is remote, it has also built a better designated hospital. " Guo Yanhong said, "At present, the overall situation of patients is stable and the treatment work is smooth. As of February 18, 30 patients have been cured and discharged. "

　　The National Health and Wellness Commission has deployed sequential intensive immunization.

　　Wu Liangyou said that according to the progress of vaccine research and development in Covid-19, recently, with the approval of the joint prevention and control mechanism in the State Council, the National Health and Wellness Commission has started to deploy sequential enhanced immunization. Sequential inoculation refers to interval inoculation (alternate inoculation) of the same vaccine with different technical routes.

　　Wu Liangyou said that before that, the target population over 18 years old who had been vaccinated with inactivated vaccines from Sinopharm Zhongsheng Beijing Company, Wuhan Company and Beijing Kexing Company and adenovirus vector vaccine from Tianjin Kangxinuo Company for six months could be given a dose of homologous booster immunization, that is, the original vaccine was used for booster immunization.

　　"After the implementation of the sequential immunization strategy, the target population who has been vaccinated with the above three inactivated vaccines can also choose the recombinant protein vaccine of Zhifeikema or the adenovirus vector vaccine of Kangxinuo for sequential immunization. For the target population, you can choose one of homologous booster immunization and sequential booster immunization. " Wu Liangyou said, "No matter homologous strengthening or sequential strengthening, it is implemented in people over 18 who have completed the whole vaccination for 6 months."

　　"The research data show that both homologous immunization and sequential immunization can further improve the immune effect." Wu Liangyou said.

　　Wang Huaqing, chief expert of immunization program of China CDC, pointed out that sequential immunization is a process of continuous improvement of immunization strategy and a decision based on scientific evidence. However, there are also some special precautions: first, the target of sequential immunization is people over 18 years old; The second is to complete two doses of inactivated vaccine inoculation; Third, after completing two doses of vaccination, the interval of sequential booster immunization should not be shorter than 6 months; Fourth, there was no booster immunization, that is, there was no third injection. "We must strictly grasp these conditions."

　　Wang Huaqing suggested that the public should continue to do a good job of personal protection and truthfully report their health status to the vaccinators when they are vaccinated. Observe for 30 minutes after vaccination. If there is any adverse reaction suspected to be related to vaccination, if it lasts for a long time and the symptoms are serious, report it to the vaccination unit and seek medical treatment in time.

　　Omicron mutant is more contagious, spreads faster and has atypical infection symptoms.

　　In November, 2021, Omicron mutant was detected for the first time in South Africa. Up to now, Omicron infection cases have been found in more than 100 countries around the world, and Omicron has become the main mutant in the global epidemic. Since January, 2022, local clustering epidemic caused by Omicron mutant has also occurred in Tianjin, Anyang, Henan and Baise, Guangxi.

　　"Omicron mutant has become the dominant strain of imported and local epidemic in China, with stronger spreading power and faster spreading speed. The risk of overseas imported epidemic and local epidemic in China has greatly increased. " Wu Liangyou said.

　　According to Guo Yanhong, Omicron mutant mainly has the following characteristics:

　　First, it is more contagious and spreads faster. Omicron mutant is more likely to cause human infection and spread among people. Through epidemiological analysis of existing cases, the average generation interval between infected cases in Omicron is 3 days, which is further shortened than the time of about 4 days of Delta mutant. Its spreading ability is about twice that of Delta mutant, so it has stronger spreading ability and faster spreading speed.

　　Second, the symptoms of Omicron infection are atypical, and the transmission process is more hidden. From the clinical manifestations, the infection of Omicron strain is similar to the symptoms of upper respiratory tract infection caused by other viruses, lacking specific manifestations, which makes clinical differential diagnosis more difficult and virus transmission more concealed.

　　Thirdly, the cases are mainly mild and common, with relatively mild symptoms. The main clinical manifestations are cough, sore throat, fever, etc. Some patients have symptoms such as nasal congestion, runny nose, fatigue and headache. In addition, the patient’s imaging changes are atypical. Overall, the proportion of critically ill patients is not very high. However, due to its rapid spread, once it is spread by people, it may cause a run on medical resources.

　　According to Shao Yiming, a member of the expert group of vaccine research and development special class of the State Council Joint Prevention and Control Mechanism, in order to be prepared, China has deployed vaccine research and development units to carry out vaccine research and development of Omicron mutant. "Even if the virus has a more serious mutation, such as completely escaping the preventive effect of the vaccine currently produced, China can quickly produce new vaccines on a large scale. This public can rest assured. " Shao Yiming said.

　　Nucleic acid detection has become a public service for the society.

　　"Covid-19’s nucleic acid detection ability in China is generally very strong." Guo Yanhong introduced that up to now, there are 12,277 institutions in China that have carried out Covid-19 nucleic acid detection, including both traditional fixed laboratories and mobile detection laboratories such as cabins, gas films and detection vehicles, and the total number of single-tube detection has reached 45.55 million/day. "If we adopt the method of 10-in-1 or 20-in-1 mixed sample detection, the detection ability and efficiency will be further improved."

　　Guo Yanhong pointed out that under the situation of normalized epidemic prevention and control, nucleic acid detection has become a public service for the society. At present, all provinces have determined the list of institutions that provide 24-hour nucleic acid testing services and announced it to the public. At the same time, because the public’s testing needs will fluctuate greatly in different periods, we also require all localities to arrange corresponding testing institutions reasonably according to the public’s testing needs.

　　"In order to strengthen the quality management and quality monitoring of detection, the state and provinces regularly carry out laboratory interstitial evaluation to ensure the quality of nucleic acid detection." Guo Yanhong said, "According to incomplete statistics, the average cost of a single nucleic acid test in Covid-19, a public medical institution in 31 provinces (autonomous regions and municipalities), is about 39 yuan. The average cost of multi-person mixed inspection is less than 10 yuan. "

　　(Beijing, February 19 th, by reporter Zhang Yaxiong)

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　　Zhongxin Jingwei Client, February 21st (Dong Xiangyi) The epidemic in COVID-19 is still going on. During the epidemic, the social security, medical insurance, pension and housing accumulation fund of employees of enterprises ushered in new policies. At the same time, various questions arise — — Does the postponement of provident fund affect employee withdrawal? Can the social security relief policy be paid in full and on time after implementation? Can pensions be paid in full and on time? The Sino-Singapore Jingwei client has been combed in detail.

　　In the data map, Xin Jingwei, Dong Xiangyi, photo

　　Reducing enterprise social security premiums by over 500 billion yuan.

　　— — Ensure that the rights and interests of employees are not affected.

　　On February 18th, the executive meeting of the State Council proposed that the contributions of enterprises’ pension, unemployment and industrial injury insurance units should be reduced in stages to reduce the impact of the epidemic on enterprises, especially small and medium-sized enterprises.

　　On February 20th, You Jun, Vice Minister of the Ministry of Human Resources and Social Security, introduced at the press conference of the State Council Office that the three departments studied and formulated the Notice on Phased Reduction and Exemption of Enterprise Social Insurance Premium, which clarified three measures of exemption, reduction and delay. Provinces can exempt the three social security unit contributions of pension, unemployment and work injury insurance for small and medium-sized enterprises, and the exemption policy will be implemented until June.

　　You Jun said that in the face of sudden epidemic, the phased reduction of social security contributions is a special measure to deal with epidemic emergencies, the first time in the history of social security in China, and it is also in line with the law.

　　Most importantly, the government has proposed to ensure that the rights and interests of employees are not affected and that all social security benefits are paid in full and on time.

　　At the same time, 1.3 trillion state-owned capital will "rush to help" the social security fund.

　　Yu Weiping, Vice Minister of Finance, said on the 20th that by the end of 2019, the central level had completed the transfer of state-owned capital of 81 central enterprises and central financial institutions in four batches, with the transferred state-owned capital of 1.3 trillion yuan, and the transfer at the local level was also being actively promoted. In the next step, we will complete the transfer work with relevant departments in a pragmatic and efficient manner.

　　According to You Jun, it is estimated that this phased relief can reduce the contributions of three social security enterprises by more than 500 billion yuan, compared with more than 400 billion yuan last year.

　　Reduce the medical insurance premium of employees

　　— — Ensure that the insured person’s current treatment is paid.

　　Chen Jinfu, deputy director of the National Health Insurance Bureau, said on the 20th that considering the local conditions, the provincial government will make a decision to halve the basic medical insurance premium paid by the unit in stages on the premise of ensuring the balance of funds and the long-term balance, and ensuring the conditions to be paid, from February to May at the longest. According to a preliminary calculation, the tax reduction measures can reduce the burden on enterprises by up to 150 billion yuan, which is effective in supporting enterprises to return to work and reducing the burden on enterprises.

　　Can the policy ensure the normal distribution of employee medical insurance? Chen Jinfu said that at present, the basic medical insurance for employees has the ability to support the measure of halving, which strongly supports the development of enterprises and also ensures the payment of the current benefits of the insured.

　　At the same time, Xiong Xianjun, director of the Department of Medicine Management of the National Medical Insurance Bureau, said that for some medical insurance handling businesses that cannot pay basic medical insurance premiums on time due to the epidemic, non-urgent matters will be postponed, and it is clear that insured units and individuals can postpone the payment of medical insurance premiums. The deferred payment period does not affect the enjoyment of medical insurance benefits.

　　Peking Union Medical College Hospital Toll Office. Zhongxin Jingwei Dong Xiangyi photo

　　Enterprises can postpone the payment of provident fund until June 30th.

　　— — Does not affect employees’ withdrawal and application for loans.

　　Ni Hong, vice minister of the Ministry of Housing and Urban-Rural Development, said on the 20th that it is clear in the three-stage support policies on housing provident fund that enterprises can apply for deferring the housing provident fund before June 30 according to regulations.During the holdover period, the deposit time is calculated continuously.Does not affect the normal withdrawal and application of housing provident fund loans for each employee.

　　At the same time, it is also beneficial to the rental group:Employees who are under pressure to pay rent can reasonably increase the amount of housing rent withdrawal and flexibly arrange the withdrawal time.

　　"Delayed payment of the provident fund will not have too much impact on property buyers or employees, so don’t worry too much. For medical staff, if the provident fund loan cannot be repaid normally, it will not be treated as overdue. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.

　　It is worth noting that because many places will stipulate the "continuity" of social security and provident fund, the continuous payment period of the two is directly "linked" to the qualification of buying a house. Does the new policy of social security exemption and provident fund deferred payment affect the qualification of employees to buy houses?

　　Experts said that the phased reduction of social security fees is a government decision and government action. Therefore, it should not affect the calculation period for ordinary employees to pay social security continuously, and the reduction period should also be calculated into the period for determining the qualification of buying a house. I believe that government departments will have a good policy docking.

　　Pensions were reduced by 471.4 billion

　　— — To ensure timely and full payment.

　　Can pensions be paid on time during the epidemic? This official has given "reassurance". And see what voices the ministries have:

　　Yu Weiping said on the 20th that although the fund income has decreased due to the phased fee reduction policy, the overall impact is controllable, ensuring that pensions are paid in full and on time.

　　It is reported that the old-age insurance system is generally running smoothly. Although the pressure of fund income and expenditure has increased in some areas with the aging population, the accumulated balance of the fund is still increasing. By the end of 2019, the accumulated balance of the basic endowment insurance fund for enterprise employees nationwide was nearly 5 trillion yuan. The phased fee reduction policy introduced this time is expected to reduce pensions by 471.4 billion yuan.

　　Yu Weiping pointed out that this year, we will continue to increase subsidies to help local governments ease the pressure on the fund due to phased fee reduction; Strengthen the central adjustment of endowment insurance funds; Increase the transfer of some state-owned capital to enrich the social security fund; In addition, accelerate the establishment of a national overall planning system for basic old-age insurance, establish and improve a reasonable adjustment mechanism for basic old-age insurance premiums, and enhance the sustainability of the system.

　　The General Office of the Ministry of Human Resources and Social Security recently issued a notice, alsoIt is clearly required to ensure that all social insurance benefits are paid in full and on time..

　　Local human and social departments also made it clear that pensions would be paid on time. The Beijing Municipal Bureau of Human Resources and Social Security explicitly requested that the social security agencies at all levels in the city work with the social security issuing banks to ensure that the pensions of enterprise retirees in Beijing in February will be received on the 15th of this month.

　　"We will ensure that pensions are paid in full and on time, and earnestly safeguard the pension rights of retirees." Yu Weiping emphasized this. (Zhongxin Jingwei APP)

On May 22nd, the launch conference of JD.COM 618 with the theme of "How Fast, How Good and How Boiling Fireworks" was officially held, thus opening the prelude of JD.COM 618 in 2023. It is reported that this year, JD.COM 618 will be pre-sold at 8 pm on May 23rd and fully opened at 8 pm on May 31st.

It coincides with the 20th anniversary of JD.COM’s pioneering work. This year, the subsidy of JD.COM 618 is far superior to the past. On the basis of the direct drop of commodity prices, users have the opportunity to receive three "over 200 minus 20" subsidy coupons every day, and all commodities except special commodities can be used. The number of commodities participating in JD.COM’s 10 billion subsidy will also be expanded 10 times compared with that in March, bringing consumers the simplest and most direct low-cost consumption experience.

Boiling fireworks, reading in hot summer. This year’s JD.COM 618 book business promotion started at 8: 00 pm on May 23rd and ended on June 20th, which was divided into different stages, such as warm-up period, good start, special exhibition period and climax period. During the warm-up period, there will be 50% discount for self-operated good books, 300 minus 120 for full stack coupons, and 300 minus 100 for cross-store books. JD.COM books have joined hands with thousands of merchants to be ready to go, selecting a large number of high-quality books, focusing on more, faster, better and cheaper, bringing readers a feast of reading, allowing readers to buy their favorite books at the most favorable price, and making this JD.COM 618 full of rich books.

Good value books are purchased in advance, and JD.COM’s self-operated reading is capped at 50% off.

During the warm-up period, JD.COM’s self-operated books will enjoy 50% discount, 300-120 discount coupons for full stack reduction, and 300-100 discount coupons for cross-store books.

There are all kinds of reading contents, including children’s books, popular reading, literature and animation, supplementary examinations, playing with good things, digital reading and so on. Readers can take this opportunity to book their favorite books in advance and enjoy the fun and growth brought by reading.

The complete works of Gu Long’s representative works (11 in total, Thirty-nine volumes), Galactic Empire: Seven Books on the Base (all seven volumes), Biography of Su Dongpo (illustrated hardcover commemorative collector’s edition), Fatigue of Life and Death (new edition), Half-hour Comic Puberty (all two volumes), Capital (1-3 volumes), BBC Popular Science Trilogy: This is the Forbidden City (3 hardcover gift boxes), Mike the Universal Engineer (26-volume set) and other good books selected by JD.COM will unlock more unknown spiritual worlds for readers.

In terms of cross-store books, 9 Supplementary Complete Works of Ming Dynasty, Distant Savior, Right Bank of Ergun River, If History is a Group of Mews (1-12 volumes are optional), 7 Complete Books of Harry Potter, Full Slam Dunk Master Edition (31 complete books), The Little Prince Hardback Commemorative Original Edition, International Prize Children’s Literature Fiction Phonetic Edition, etc.

A large number of explosive new books are also a major feature of JD.COM Book 618. Newly-added Ueno Chizuko’s classic masterpiece Misogyny (Updated Edition), the legendary masterpiece Genius on the Left, Madman on the Right (Upgraded Edition), the word-of-mouth work of the poem V "Young Angry Horse", the first best seller of poetry and lyrics, "Fresh Clothes Angry Horse as a Young Man (2 sets)", which is written for contemporary young people and has a funny tongue. How to teach? "and other selected good books, after reading it, you will definitely be hooked!

As an important measure of JD.COM’s book "low price" strategy, the "10 billion subsidy" zone occupied a very important position in this year’s JD.COM 618 book promotion meeting place. Including cartoon stories of ass detective (full set of 6 volumes), new stories of Mr. Qi and Miss Miao: all 24 volumes, psychological cartoons of primary school students (all 12 volumes), China history painted for children, Shan Hai Jing that children can understand and many other excellent books. Among them, the children’s popular science picture book with the original price of 29.8 yuan "Wow! It turns out that they are like this (a total of 8 volumes). After the subsidy, the hand price is only 8.9 yuan, and on average, only 1 yuan has one more.

The marketing activities are splendid, so that every reader can enjoy reading.

This year, JD.COM 618, JD.COM Books will focus on the dimensions of "goods, prices and services", and through different activities such as category day, big name day, Plusday and reader’s plan, as well as wonderful activities with rich forms and benefits such as Children’s Day, summer college entrance examination, large-sum coupons, tens of billions of subsidies and lightning spikes throughout the whole cycle, so that every book lover can enjoy a thoughtful, fun, money-saving and diversified book buying experience.

During Children’s Day on June 1st, in order to create a warm and full parent-child reading atmosphere and meet the learning and reading needs of children, JD.COM Books also created exclusive gift boxes and offline activities for parents and children. At the same time, in order to cheer for the students who take part in the college entrance examination, and at the same time, to enable other students to better study and prepare for the war, JD.COM Book also specially created a special activity for the college entrance examination.

It is worth mentioning that, in order to solve the pain points that books are easy to knock against and be damaged, JD.COM Book Joint Key Publishing House launched the activity of "Guarding the Corner of Books". As long as all the self-operated hardcover books purchased in JD.COM channel are provided with foam corner protectors, it is ensured that every carefully selected book will not fail to meet perfectly.

In addition, the "Reader Program" of books in JD.COM has been upgraded again. Not only have more authors and talents from various industries and fields joined the reader team, but they will also land in subways, buildings, business districts and airports in many cities across the country, expecting to meet more readers and friends.

JD.comBook receiving and reading space

"This year’s 618 is enough to save JD.COM." With the fiery opening of JD.COM 618 in 2023, JD.COM Books will also join hands with more partners to provide more readers with an unexpected shopping experience through better content and services, making more, faster, better and more economical! Love reading, read good books, JD.COM Book hopes that every reader can enjoy reading, and also insists on making reading for all become a common practice in China through their own efforts and practice.