第十八条 设立分支机构，应当提出设立申请，并符合下列条件：
Article 18 An insurance company to set up a branch shall make an application and satisfy the following conditions：
（一）上一年度偿付能力充足，提交申请前连续2个季度偿付能力均为充足；
(1) The solvency of the previous year is sufficient and the solvencies of two quarters continuously before the submittal of the application are sufficient;
（二）保险企业具备良好的企业治理结构，内控健全；
(2) The insurance company has excellent governance structure and sound internal control;
（三）申请人具备完善的分支机构管理制度；
(3) The applicant has a perfect branch management system;
（四）对拟设立分支机构的可行性已进行充分论证；
(4) The feasibility for the branch to be set up has undergone sufficient reasoning;
（五）在住所地以外的省、自治区、直辖市申请设立省级分企业以外其他分支机构的，该省级分企业已经开业；
(5) where the insurance company is applying for the establishment of a branch out of the provincial-level branch in a province, autonomous region or municipality out of its home place, such provincial-level branch has opened for business;
（六）申请人最近2年内无受金融监管机构重大行政处罚的记录，不存在因涉嫌重大违法行为正在受到中国保监会立案调查的情形；
(6) The applicant has not had the major administrative punishments by financial regulatory authorities within the latest two (2) years and does not have the situations being registered and investigated by CIRC due to its being suspected of major illegal acts;
（七）申请设立省级分企业以外其他分支机构，在拟设地所在的省、自治区、直辖市内，省级分企业最近2年内无受金融监管机构重大行政处罚的记录，已设立的其他分支机构最近6个月内无受重大保险行政处罚的记录；
(7) where the insurance company is applying for a branch out of the provincial-level branch, within the province, autonomous region or municipality where the branch is to be set up, the provincial-level branch has not had the major administrative punishments by financial regulatory authorities within the latest two (2) years and the other branches having established have not had the records of major insurance administrative punishments within the latest six (6) months;
（八）有申请人认可的筹建负责人；
(8) The preparation responsible person accepted by the applicant is available; and
（九）中国保监会规定的其他条件。
(9) Other conditions stipulated by CIRC.
关于明确保险企业分支机构管理有关问题的通知
Circular on the Verification of Some Issues Related to the Management of the Branches of an Insurance Company
保监发〔2010〕49号
Ref. Bao Jian Fa [2010] No.49
第三点第3款 外资保险企业分支机构申请改建为分企业、中心支企业、支企业或者营业部的，向中国保监会提出申请；申请改建为营销服务部的，向当地保监局提出申请。
Article 3.3 A branch of a foreign-funded insurance company that is applying to be reformed as a branch company, a central sub-branch company, a sub-branch company or a business office shall make an application to CIRC, or as a sales service office, make an application to the local insurance regulatory administration.
中国保监会或者当地保监局自收到完整申请材料之日起20个工作日以内，作出批准或者不予批准的书面决定；20个工作日内不能作出决定的，经中国保监会或者当地保监局负责人批准，可以延长10个工作日，并告知申请人延长期限的理由。批准改建的，颁发《经营保险业务许可证》；不予批准改建的，应当书面通知申请人并说明理由。
CIRC or the local insurance regulatory administration, within twenty (20) business days as the receipt of the complete application documents, shall make a written decision of approving or not approving. If not so, with the approval of the responsible person of CIRC or the local insurance regulatory administration, the deadline may extend for another ten (10) business days and the reason for such extension shall be informed of the applicant. Where the application is approved, CIRC or the local insurance regulatory administration shall issue the Insurance Business Licence; where the application is not approved, CIRC or the local insurance regulatory administration shall inform the applicant in writing and tell it the reason therefor.
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