国务院


国务院办公厅转发中国人民保险公司关于发展涉外保险业务增加外汇收入的报告的通知(附英文)
国务院


中国人民保险公司《关于发展涉外保险业务增加外汇收入的报告》已经国务院批准，现转发给你们，请贯彻执行。

中国人民保险公司关于发展涉外保险业务增加外汇收入的报告
根据中央和国务院领导同志关于努力增加非贸易外汇收入的指示精神，最近我们对如何发展涉外保险业务增加外汇收入的问题进行了研究。现将有关问题报告如下：

一
随着我国对外开放政策的贯彻执行，我保险公司的涉外保险业务近年来有了迅速发展，目前开办的险种己达四十多种。除青海、西藏外，全国各省、自治区、直辖市都开办了涉外保险业务，业务量平均每年递增10％左右。我设在海外的保险机构业务，近年来也有较大的发展。我在香
港和澳门的四家保险公司一九八四年收入保险费比一九八三年增加近30％。这几家公司的盈利也逐年增长。
开展涉外保险业务，对我国对外贸时和经济交往中的风险（包括物质损失和赔偿责任）给予经济保障，提供防损服务，对促进我国对外经济贸易往来，增强外商来华投资的信心，起了积极作用。

二
涉外保险的保险费收入，是一项重要的无形贸易外汇收入，世界各国都很重视并积极开拓这项业务。目前我国的涉外保险业务发展比较缓慢，其保险费在国家全部非贸易外汇收入中所占比重很小，同我国实行对外开放的新形势极不相称。以办理时间较长、保险费收入占首位的进出口货
物运输保险为例，出口货物在国内保险的仅占50％，占出口成交额三分之一以上的石油等大宗商品，由我公司承保的极少。正常贸易进口货物在国内保险的比重已接近90％，但我向国外借款项下进口的设备，大部分仍在国外保险公司投保。此外，在我国的中外合作、外国独资企业和我
国对外承包、劳务合作项下的保险，外国人和港澳同胞来华旅游期间的保险，各国驻华机构人员在我国应承担的公众责任保险，以及我国驻外机构、在国外设立的贸易中心的合资、合作企业的保险，由我承保的比重都很低，有的根本没有在我国保险。从这些方面看，我国涉外保险业务潜力
很大，是大有可为的。
我们认为，只要加强领导，措施得力，在各有关部门支持配合下，“七五”期间涉外保险费收入（不包括国际再保险和海外机构的保险费收入）的每年增长速度，从现在的10％提高到18％是完全有可能的。

三
为了进一步发展涉外保险业务，当前应当采取以下几项措施：
（一）积极开展宣传工作。保险公司要在各部门、各行业和舆论界的支持和协助下，采取多种方式，积极宣传发展涉外保险业务和增加非贸易外汇收入的意义，宣传开办涉外保险对于扩大国际经济往来的好处，动员各方面的力量，支持涉外保险工作的开展。
（二）完善涉外经济法规中有关保险的条文。我国制定和颁布的各项涉外经济法规，凡需要列入保险条文的，都应明确按国务院国发［1985］33号文发布的《保险企业管理暂行条例》第三条规定办理。我国还应尽快制定和颁布在华的外国企业、机构和人员实行公众责任保险和机
动车辆第三者责任保险的条例。
（三）各级政府的外事和对外经贸部门要指导并协助开展国外保险工作。对外经贸部门召开的重要会议和同外商进行的重大项目谈判，应向保险公司通报有关情况，并在必要时邀请他们派人参加。审批涉外项目可行性研究报告和合同草案时，应将是否列入保险条文作为一项内容。我国
劳务出口单位对外承包工程项目时，在不违反当地政府法律的前提下，应力争在我国内保险。我国驻外使领馆和其他机构的财产和人员如需保险，除当地国或地区法律规定必须在当地保险外，均应在国内办理。我驻海外银行机构要同我在当地的保险机构密切合作，积极开展各项保险业务。

这些银行办理抵押贷款时，应争取将贷款保证向我保险机构投保。我国对外经贸系统在国外设立的公司和贸易中心等机构，必要时保险公司可派驻人员配合开展保险业务。我国旅游部门应积极协助保险公司开展来华旅游者所需要的保险。
（四）允许保险公司运用经济手段，推动业务发展。我国对外保险业务，有相当一部分是依靠经贸部门和其他有关部门的业务人员争取来的。例如，进出口货物运输保险，在国际保险市场竞争激烈的情况下，我经贸部门和有关部门为增加保险外汇收入，往往要经过艰苦的谈判，付出额
外的劳动，才能把外汇保险业务争到手。为了鼓励经贸部门和有关部门的职工积极协助保险公司开展涉外保险业务，为国家多增加一些非贸易外汇收入，保险公司可按保费收入一定比例（一般为百分之零点几到百分之几）提取劳务手续费，付给这些单位（以人民币支付），由单位在一般奖
金之外对搞得好的职工给予奖励。这部分奖金，可免交奖金税。具体办法由财政部下达执行。
（五）暂不允许外国保险公可来华开业。
（六）加强保险公司自身的建设。保险公司去年从中国人民银行分出后，虽然机构和人员有较多增加，但仍然不能适应业务发展的需要。从事涉外保险工作人员的素质亟需提高，应当对国际经济、涉外法律有较多的了解，并具有一定的外语水平。因此，除了我们自己抓紧培训在职干部
外，希望教育部门每年能分配一定数量的外语和金融、保险专业大学生，并能有计划地安排几个大专院校增设保险专业，以加速保险干部的培养。保险公司要努力提高服务质量，增加保险类别，增强我国保险的竞争能力。
以上报告如无不妥，请批转执行。(附英文)

CIRCULAR OF THE GENERAL OFFICE OF THE STATE COUNCIL FOR TRANSMIT-TING THE REPORT SUBMITTED BY THE PEOPLE'S INSURANCE COMPANY OF CHINA ONDEVELOPING INSURANCE BUSINESS INVOLVING FOREIGN INTERESTS IN ORDER TOINCREASE FOREIGN EXCHANGE
REVENUE

Important Notice: (注意事项)

英文本源自中华人民共和国务院法制局编译, 中国法制出版社出版的《中华人民
共和国涉外法规汇编》(1991年7月版).
当发生歧意时, 应以法律法规颁布单位发布的中文原文为准.
This English document is coming from the "LAWS AND REGULATIONS OF THE
PEOPLE'S REPUBLIC OF CHINA GOVERNING FOREIGN-RELATED MATTERS" (1991.7)
which is compiled by the Brueau of Legislative Affairs of the State
Council of the People's Republic of China, and is published by the China
Legal System Publishing House.
In case of discrepancy, the original version in Chinese shall prevail.

Whole Document (法规全文)

CIRCULAR OF THE GENERAL OFFICE OF THE STATE COUNCIL FOR TRANSMIT-
TING THE REPORT SUBMITTED BY THE PEOPLE'S INSURANCE COMPANY OF CHINA ON
DEVELOPING INSURANCE BUSINESS INVOLVING FOREIGN INTERESTS IN ORDER TO
INCREASE FOREIGN EXCHANGE REVENUE
(November 30, 1985)
The Report on Developing Insurance Business Involving Foreign Interests in
Order to Increase Foreign Exchange Revenue, which was submitted by the
People's Insurance Company of China, has been approved by the State
Council and is hereby transmitted to you for you to act upon accordingly.
Report of the People's Insurance Company of China on Developing Insurance
Business Involving Foreign Interests in Order to Increase Foreign Exchange
Revenue
(Excerpts)
In accordance with the essence of the policies of the State on striving to
increase non-trade foreign exchange revenue, we have recently made a study
of the question as to how to develop insurance business involving foreign
interests in order to increase foreign exchange revenue. We now submit the
report on the relevant questions as follows:

Chapter I

With the implementation of China's policy of opening to the outside world,
the insurance business involving foreign interests handled by our
Insurance Company has developed rapidly in recent years. At present, there
are already over 40 types of insurance coverage. The handling of the
insurance business involving foreign interests so as to give financial
protection against risks (including material losses and indemnity
liability) involved in China's foreign trade and economic exchanges and
provide services with a view to preventing losses has played a positive
role in promoting China's foreign trade and economic exchanges and in
enhancing the confidence of foreign businessmen coming to make investment
in China.

Chapter II

As the income from the premiums of insurance involving foreign interests
is an important item of foreign exchange revenue of invisible trade, the
various countries in the world have attached great importance to and are
actively developing this business. At present, China's insurance business
involving foreign interests is developing at a relatively slow pace and
the premiums only account for a very small proportion of the State's total
non-trade foreign exchange revenue, which ill conforms with the new
situation in which China is implementing the policy of opening to the
outside world. Take, for example, the transportation insurance for import
and export goods the handling of which has lasted for a relatively long
time and the premium income of which ranks first. Only 50 percent of the
export goods is insured domestically and such bulk goods as petroleum,
which account for over one-third of the total export business volume of
China, are rarely insured with our Company. Nearly 90 percent of the
import goods in normal trade is insured domestically, but most of the
equipment imported under loans China has obtained from abroad is insured
by insurance companies abroad. Furthermore, only a very small proportion
of the insurance related to the Chinese-foreign contractual joint ventures
and foreign-capital enterprises in China and under the project contracts
China has undertaken abroad or the labour service co-operative contracts
with foreign countries, of the insurance taken out by foreigners or
compatriots from Hong Kong and Macao coming to China's mainland for
tourist purposes, of the public liability insurance that the personnel of
foreign institutions in China are supposed to bear in China, and of the
insurance related to Chinese institutions abroad and the trade centres,
joint ventures and contractual joint ventures China has established abroad
is effected by our Company. In some cases, the insurance is even not
effected in China at all. All the above mentioned circumstances show that
China's insurance business involving foreign interests still has great
potentials and bright prospects.

Chapter III

With a view to further developing China's insurance business involving
foreign interests, it is imperative to adopt the following measures at
present:
1. It is imperative to conduct publicity drives actively, The Insurance
Company shall, with the support and help by the various departments,
people from all walks of life and the public opinion circles, employ
varied means and actively propagate the significance of developing
insurance business involving foreign interests and increasing foreign
exchange revenue from non-trade sources and of the advantages of handling
insurance business involving foreign interests to the expansion of
international economic exchanges in order to mobilize the various forces
to support the development of insurance business involving foreign
interests.
2. It is imperative to perfect the clauses related to insurance in China's
foreign economic laws and regulations. All clauses on insurance that need
to be included in the various foreign economic laws and regulations China
formulates and promulgates shall be handled in strict accordance with the
provisions in Article 3 of the Interim Regulations on the Administration
of Insurance Enterprises, which was promulgated by the State Council. It
is imperative for China to expedite the formulation and promulgation of
regulations concerning the public liability insurance that shall be
effected with respect to foreign enterprises, institutions and personnel
in China and the motor vehicle third-party liability insurance.

3. Departments for foreign affairs and departments for foreign economic
relations and trade under the governments at various levels shall give
guidance and assistance to the development of insurance business involving
foreign interests. Departments for foreign economic relations and trade
that are to call important meetings or hold talks with foreign businessmen
on major projects shall keep the Insurance Company advised of the relevant
developments and shall, if necessary, invite people from the Insurance
Company to attend such meetings or talks. In examining and approving the
feasibility study report and the draft contract with respect to a project
involving a foreign party, the inclusion of clauses on insurance shall be
one of the items for consideration. Chinese labour service units that are
contracting foreign engineering projects shall try their best to effect in
China the insurance with respect to the projects, provided this shall not
constitute a violation of the laws of the foreign governments involved. If
insurance is required for the property and personnel of Chinese embassies,
consulates and other institutions abroad, it shall be effected in China,
unless the laws of the countries or regions concerned stipulate that the
insurance shall be effected in their localities. Chinese banking
institutions based overseas shall work in close co-operation with the
Chinese insurance institutions in the localities and actively engage in
various types of insurance business.
When these banks are handling loans on mortgage, they shall try hard to
cover the insurance with the Chinese insurance institutions there with
respect to the security of the loans. The Insurance Company may, when
necessary, send their personnel to, and station them in, the corporations,
trade centres and other institutions established abroad by departments and
organizations affiliated to the Chinese Ministry for Foreign Economic
Relations and Trade to coordinate work in handling insurance business.
Chinese departments for tourism shall give active assistance to the
Insurance Company in providing the insurance required by tourists in
China.

4. The Insurance Company shall be permitted to employ economic means to
promote the development of insurance business. A considerable part of the
insurance business involving foreign interests has been canvassed through
efforts on the part of the business personnel of the departments for
foreign economic relations and trade and other departments concerned.
Take, for example, the transportation insurance for import and export
goods. Faced with the fierce competition in the international insurance
market, Chinese departments for foreign economic relations and trade and
other departments concerned, in order to increase foreign exchange revenue
from insurance business, often have to conduct strenuous negotiations and
do extra amounts of laborious work before they can succeed in obtaining
some insurance business involving foreign exchange. In order to encourage
the workers and staff of the departments for foreign economic relations
and trade and other departments concerned who actively assist the
Insurance Company in developing the insurance business involving foreign
interests so as to earn more foreign exchange revenue for the State from
non-trade sources, the Insurance Company may draw a certain proportion
(ranging from less than one percent to less than ten percent) from the
premium income as labour service fee to be paid to the aforesaid units to
be paid with RMB, which shall, on top of the common bonus, reward those
workers and staff members who have performed well in this regard. Such
rewards may be exempted from bonus tax. The Ministry of Finance shall
formulate measures in this respect and promulgate them for implementation.
5. Foreign insurance companies shall for the time being not be permitted
to begin their business operations in China.
6. The Insurance Company shall strengthen its own organization setup.
Since the Insurance Company itself separated from the People's Bank of
China last year, although there has been a relatively big increase in its
agencies and personnel, this increase still cannot meet the needs of its
business development. It is an urgent task to improve the quality of the
personnel engaged in insurance business involving foreign interests, who
shall be required to have a better knowledge of the international economy
and of China's laws and regulations governing its external economic
activities and have a fairly good command of foreign languages. Therefore,
in addition to intensifying our work to offer in-service training to our
cadres, we hope that the departments for education will provide us every
year with a certain number of university graduates who major in foreign
languages, finance or insurance, and will arrange in a planned way for
some institutions of higher learning to initiate the specialty of
insurance so as to quicken the cultivation of cadres who will specialize
in insurance business. The Insurance Company shall work hard to improve
the quality of service, increase the types of insurance coverage and
strengthen China's competitive position in insurance business.
If the above contains nothing inappropriate, it is requested that the
report be approved and transmitted to departments concerned for
implementation.



1985年11月30日
新闻出版署


音像制品复制管理办法
1996年2月1日，新闻出版署

第一章 总 则
第一条 为了促进音像事业的健康发展和繁荣，加强音像制品复制的管理，根据《音像制品管理条例》的有关规定，制定本办法。
第二条 凡经营音像制品复制加工业务，均适用本办法。
本办法所称音像制品是指录有内容的录音带、录像带、唱片、激光唱盘和激光视盘等。
第三条 新闻出版署主管全国音像复制管理工作，负责审核批准音像复制单位的设立，制定音像复制管理规定并监督实施。省、自治区、直辖市人民政府的音像制品行政管理部门负责本行政区域音像制品复制管理工作。
第四条 音像复制单位严禁承接复制有下列内容的音像制品：
（一）危害国家统一、主权和领土完整的；
（二）煽动民族分裂、破坏民族团结的；
（三）泄露国家秘密的；
（四）宣扬淫秽、迷信或者渲染暴力的；
（五）诽谤、侮辱他人的；
（六）国家规定禁止出版、传播的其它内容。

第二章 音像复制单位的设立
第五条 设立音像复制单位应当具备下列条件：
（一）符合音像事业发展规划；
（二）有明确的业务范围；
（三）有适应业务范围需要的组织机构；
（四）有必需的资金、设备和复制场所。
第六条 申请设立音像复制单位，由申请单位的主管部门报所在地省、自治区、直辖市人民政府音像制品行政管理部门审核并经省、自治区、直辖市人民政府同意后，由省、自治区、直辖市人民政府音像制品行政管理部门报新闻出版署审批。新闻出版署应当自收到申请书之日起90日内作出决定。
申请书应当载明下列内容：
（一）音像复制单位的名称、地址和经济性质；
（二）音像复制单位的主管部门、主办单位的名称、地址和经济性质；
（三）音像复制单位的主要负责人或者法定代表人的姓名、住址、资格证明文件；
（四）音像复制单位的资金来源及其数额。
第七条 设立音像复制单位的申请经新闻出版署批准并发给《音像制品复制经营许可证》后，申请单位应当在60日内持《音像制品复制经营许可证》到所在地工商行政管理部门登记。
工商行政管理部门根据新闻出版署发给的《音像制品复制经营许可证》和工商行政管理的有关规定，发给营业执照。
第八条 与香港、澳门、台湾地区或者外国组织和个人合资、合作设立音像复制单位的，合资、合作的中方必须是经批准的音像出版或复制单位，由合资、合作的中方按第六条规定的程序申请报批。申请书应当载明下列事项：
（一）双方合作意向书，包括申办目的、经营范围、产品流向、利益分配、合资合作期限等；
（二）合资、合作双方具有法人资格的登记证明；
（三）合资、合作双方的资信情况；
（四）合资、合作项目的可行性研究报告。
禁止设立外资独资的音像复制单位。
第九条 音像复制单位改变名称、隶属关系、业务范围的，应当依照本办法第六条、第七条的规定重新办理审批登记手续。音像复制单位更换或增加录音带、录像带复制生产线，应报省级音像制品行政管理部门批准并报新闻出版署备案；更换或增加激光唱盘、激光视盘复制生产线（含母版刻录线），应由省级音像制品行政管理部门审核后报新闻出版署审批。
音像复制单位改变地址、主要负责人或者法定代表人的，应当到原发证机关办理变更登记手续。
音像复制单位终止复制经营活动的，应当自停止经营活动之日起30日内到原发证机关办理注销登记手续。

第三章 音像制品的复制
第十条 音像复制单位凭音像出版单位的委托书复制音像制品。音像复制单位接受委托时，应当要求委托单位提交下列证明文件：
（一）委托单位的《音像制品出版经营许可证》和营业执照副本、委托单位法定代表人或者主要负责人签字并盖章的委托书原件（复印件无效）；
（二）《音像制品发行许可证》；
（三）著作权人的授权书；
（四）承办人的居民身份证。
第十一条 承接机关、企业、事业单位制作的内部使用的非经营性的音像制品，委托单位必须出具省级以上音像制品行政管理部门核发的《录音录像制品复制委托书》，方可复制。
第十二条 音像复制单位不得自行出版、复制、批发音像制品。
第十三条 音像复制单位对委托加工的音像制品必须全部交付委托单位，不得私自加录、销售，不得将委托单位提供的母带、模版以任何方式转让、出售、复制给任何单位和个人。
第十四条 音像复制单位以来料加工方式承接境外提供母带、模版复制音像制品的，在开工复制前，应当将母带、模版报送省级音像制品行政管理部门审核登记，并持有关著作权人的授权书到著作权行政管理部门登记，所复制的音像制品必须全部返销，不得遗留在国内（包括销售、播放、转录、赠送等）。
第十五条 复制加工的音像制品，必须刊出复制单位的全称。
复制加工的激光唱盘、激光视盘等，必须依照有关规定加制来源识别码。
第十六条 音像复制单位必须建立承接、登记、检验、监录、保管、发货等各项管理制度。所承录的音像制品，必须手续完备，并按规定查验委托证明，详细登记委托单位名称、地址、经手人姓名、复制内容、数量及交货日期等。委托证明、登记材料及复制样品应存档（保存期三年）并按当地管理机关的规定上报。
第十七条 音像复制单位所使用的原材料必须达到行业所规定的标准和技术要求。复制质量应符合国家规定的标准。
第十八条 音像复制单位应参照有关音像统计报表规定的要求，填报生产统计报表，并按规定时间报送省级音像制品行政管理部门审核汇总，报送新闻出版署。
第十九条 音像复制单位每两年履行一次审核登记手续。逢单年1月31日前向省级音像制品行政管理部门报送年检报告，由管理机关会同有关部门对其经营状况、技术设备、产品质量、执行法规的情况等进行全面检查，对达到规定要求的单位，准予办理年检合格登记手续，对未达到规定要求的单位，不予或暂缓办理年检合格登记手续。未取得合格登记手续的复制单位，不得从事音像复制业务。
第二十条 音像复制单位在承录音像制品过程中，如发现所复制的音像制品涉及本办法第四条内容或与委托证件所规定的内容不符，应立即停止复制，并及时报告有关部门，不得拖延或隐匿。
第二十一条 凡国家或地方音像制品行政管理部门通知查禁或停止复制的音像制品，复制单位应立即停止复制，并按要求上缴或封存，不得拖延、截留或转移。查封收缴的音像制品由当地音像制品行政管理部门监督销毁，属反动、淫秽的按有关规定交公安部门处理。

第四章 处 罚
第二十二条 音像复制单位违反本办法的，音像制品行政管理部门除建议主管部门对有关责任人员给予相应的行政处分外，还可根据情节轻重，直接给予音像复制单位下列行政处罚：
（一）警告；
（二）没收复制成品；
（三）没收违法所得；
（四）处违法所得5倍以上10倍以下的罚款；
（五）责令停止复制音像制品；
（六）吊销音像制品复制经营许可证。
以上处罚，可以并处。
新闻出版署可以对音像复制单位给予本条所列各项行政处罚；县级以上音像制品行政管理部门可以对本行政区域音像复制单位给予本条所列（一）至（五）项行政处罚。
第二十三条 非音像复制单位违反本办法经营音像制品复制加工业务，县级以上音像制品行政管理部门根据情节轻重给予下列行政处罚：
（一）没收并销毁违法音像制品；
（二）没收违法所得；
（三）处违法所得5倍以上10倍以下的罚款。
以上处罚可以并处。
第二十四条 情节严重、构成犯罪的，由司法机关依法追究其刑事责任。

第五章 附 则
第二十五条 本办法自颁布之日起施行。本办法发布前有关音像复制管理的规定，凡与本办法相抵触的，以本办法为准。
第二十六条 本办法由新闻出版署解释。