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
江苏省盐城市人民政府


盐城市人民政府关于印发《盐城市城市规划区社区用房规划建设使用管理办法》的通知

盐政发[2005]165号


盐都区、亭湖区人民政府，市开发区管委会，市各委、办、局，市各直属单位：
　　现将《盐城市城市规划区社区用房规划建设使用管理办法》印发给你们，请认真贯彻执行。

　　　　　　　　　　　　　　　　　　　　　　　　　　　　　
盐城市人民政府
　　　　　　　　　　　　　　　　　　　　　　　　　　　
二〇〇五年七月二十六日


　　　　　　　　　　　盐城市城市规划区社区用房规划建设使用管理办法
　　第一条为了加强对新建住宅小区社区用房的规划建设和使用管理，改善社区用房条件，本着取之于民、服务于民的要求，发挥社区居民委员会在城市建设管理中的作用，依据《城市居住区规划设计规范》和《中共中央办公厅国务院办公厅关于转发＜民政部关于在全国推进城市社区建设的意见＞的通知》（中办发［2000］23号），制定本办法。
　　第二条社区是指聚居在一定地域范围内的人口所组成的社会生活共同体。社区用房指社区管理服务用房和社区活动用房。社区管理服务用房主要用于社区居委会办公、社区事务受理、社区居民议事、劳动就业服务、社会救助、社区警务、社区党员和离退休职工管理等；社区活动用房主要用于社区居民的文化、教育、体育、娱乐等。
　　社会管理服务用房和社区活动用房均为社区公共用房。
　　第三条本市城市规划区内社区用房的规划、建设、使用、管理适用本办法。
　　第四条本办法由亭湖区人民政府、盐都区人民政府和市开发区管委会负责组织实施。国土、规划、建设、房产、民政、物价等部门应当按照各自的职责权限，做好社区用房的用地、规划、建设、产权等管理工作。
　　第五条社区用房应集中建设，功能配套，纳入城市建设规划统筹安排。社区用房一般不低于230平方米。居委会调整后，原有的办公服务用房、活动用房全部划入新的社区居委会，不得挪作他用，不足部分由社区内住宅小区项目开发单位从事工程建设时提供。
　　第六条新建住宅小区必须按不低于规划总建筑面积1%的标准建设物管和社区用房，其中04%为物管用房、03%为社区管理服务用房、03%为社区活动用房。社区管理服务用房和社区活动用房统一纳入房屋开发成本，由物价部门核定。物管和社区用房必须在第一批工程竣工前建成，经验收合格后，交给社区使用。
　　不单独设立社区居委会的新建住宅小区，应按建筑面积的03%建设社区活动用房，但应承担相应社区管理服务用房统一建设的费用。
　　第七条鼓励民间捐赠、社区捐助等形式筹集社区用房建设资金。
　　第八条国土、规划、建设、房产等部门要加强配合与协作，通过对土地使用、规划、工程竣工验收、企业年检、商品房销预售等环节的协调和管理，规范房地产开发企业的经营行为，确保社区用房落实。
　　第九条民政部门要积极发挥职能作用，组织调查研究，加强对社区服务设施建设的指导和督查工作。会同有关部门拟定社区用房布局、使用、管理的有关政策，并配合亭湖区、盐都区和市开发区落实社区用房。
　　第十条国土部门在出让土地过程中，应将规划确定的社区用房指标列入土地出让条件。对单独建设的社区用房，在供地政策等方面给予优惠。
　　第十一条规划部门在确定供地规划条件时，要明确社区用房指标；在进行居住类开发项目规划审批时，应事先与辖区政府和有关部门沟通，了解社区设置和社区用房配置情况，对社区用房严格把关；在规划审批时，分别明确社区、物管等用房的具体位置及面积，并落实开发单位将社区用房建设到位或社区用房集中建设费用缴纳到位；对社区用房做到整体规划，布局合理，力求使社区用房建在社区服务的中心位置，便于为社区居民服务。对新建居住类开发项目，未按规定要求建设社区用房的，不予审批。
　　第十二条建设部门应按照已审批的小区规划，在图纸审查时严格把关，并督促开发单位同期建设，同时做好质量监督、竣工验收监督。将社区用房纳入小区公建配套项目验收内容，在组织验收时应吸收相关街道、社区人员参加，社区用房未到位的，不予竣工验收备案。
　　第十三条房产部门在审批商品房销预售项目时，应对照经审批的公建用房指标，对社区、物管等用房的面积、位置严格把关。
　　第十四条新建、改建居住区的开发单位，应当按规定将社区用房的建设纳入工程建设计划，同步设计并组织实施。
　　第十五条亭湖区、盐都区、市开发区应对现有社区用房进行清理、登记、造册，进行统筹安排；对已改变社区用房使用性质的房屋，要进行变现、置换，作为社区用房建设资金来源。
　　第十六条社区用房集中建设费用由市规划部门在规划审批时代收，并及时将资金汇入辖区财政部门设立的财务专户进行管理，原则上用于本社区用房的建设、使用、管理。
　　第十七条社区用房产权为辖区居民共有，任何组织和个人不得侵占。由社区居委会负责使用、维修和管理，不得改变用途，不得出租、转让，不得开展经营活动。
　　第十八条公共用房有规划要求但未建设到位的已建成小区，应按规划要求落实到位，其它小区亦可参照执行。
　　第十九条对违反规定进行项目审批或改变社区用房性质的，由市（区）人民政府责令改正，并视情节追究相关责任人的责任。
　　第二十条本办法自颁发之日起施行。