Notice of the General Office of the Ministry of Commerce, the General Office of the Ministry of Finance, the General Office of the China Insurance Regulatory Commission on Ensuring the Premium Subsidy Work Regarding Domestic Trade Credit Insurance for Small and Medium Commercial and Trading Enterprises

商务部办公厅、财政部办公厅、中国保险监督管理委员会办公厅关于做好中小商贸企业国内贸易信用保险保费补助工作的通知

Promulgating Institution: General Office of the Ministry of Commerce; General Office of the Ministry of Finance; General Office of the China Insurance Regulatory Commission

Document Number: Shang Yi Zi [2009] No. 25

Promulgating Date: 09/11/2009

Effective Date: 09/11/2009

颁布机关: 商务部办公厅; 财政部办公厅; 中国保险监督管理委员会办公厅

文      号: 商秩字[2009]25号

颁布时间: 09/11/2009

实施时间:09/11/2009

To the departments in charge of commerce, departments (bureaus) of finance, insurance regulatory bureaus of all provinces, autonomous regions, municipalities directly under the Central Government, specially designated cities in the State plan and Xinjiang Production and Construction Corps, China Export & Credit Insurance Corporation, Ping An Property & Casualty Insurance Company of China, Ltd., PICC Property and Casualty Company Limited, China Pacific Property Insurance Co., Ltd., Anbang Property & Casualty Insurance Company Ltd. and China Continent Property & Casualty Insurance Company Ltd.:

In order to implement the Notice of the General Office of the Ministry of Finance and the General Office of the Ministry of Commerce on Issues Concerning the Administration of the Utilization of Special Funds for Development of Small and Medium Commercial and Trading Enterprises in 2009 (Cai Ban Jian [2009] No. 72) and ensuring the smooth implementation of work relating to premium subsidy to domestic trade credit insurance for small and medium commercial and trading enterprises, we hereby notify the relevant issues as follows:

    各省、自治区、直辖市、计划单列市及新疆生产建设兵团商务主管部门、财政厅(局)、保监局,中国出口信用保险公司,中国平安财产保险股份公司,中国人民财产保险股份公司,中国太平洋财产保险股份公司,安邦财产保险股份有限公司,中国大地财产保险股份有限公司:

    为贯彻落实《财政部办公厅、商务部办公厅关于2009年度中小商贸企业发展专项资金使用管理有关问题的通知》(财办建[2009]72号),做好中小商贸企业国内贸易信用保险保费补助工作,现就有关事项通知如下:

1. Upon application filed by enterprises and public announcements published on the website, the Ministry of Finance (hereinafter referred to as "MOF"), Ministry of Commerce (hereinafter referred to as "MOFCOM") and the China Insurance Regulatory Commission (hereinafter referred to as "CIRC"), after joint examination and verification, decided to authorize China Export & Credit Insurance Corporation, Ping An Property & Casualty Insurance Company of China, Ltd., PICC Property and Casualty Company Limited, China Pacific Property Insurance Co., Ltd., Anbang Property & Casualty Insurance Company Ltd. and China Continent Property & Casualty Insurance Company Ltd. (hereinafter referred to as the "Undertaking Entities") to undertake the projects of premium subsidy to domestic trade credit insurance for small and medium commercial and trading enterprises in 2009. With respect to issues concerning the scope of subsidy, subsidy standards and fund management, the Notice of the General Office of the Ministry of Finance and the General Office of the Ministry of Commerce on Issues Concerning the Administration of the Utilization of Special Funds for Development of Small and Medium Commercial and Trading Enterprises in 2009 (Cai Ban Jian [2009] No. 72) and the Interpretation on Certain Issues Concerning Subsidy Policies on Credit Insurance for Small and Medium Commercial and Trading Enterprises (see Annex 1) shall apply.

       一、经企业申请、网站公示,财政部、商务部、保监会三部门联合审核确认,决定委托中国出口信用保险公司、中国平安财产保险股份公司、中国人民财产保险股份公司、中国太平洋财产保险股份公司、安邦财产保险股份有限公司、中国大地财产保险股份有限公司(以下简称承办单位)具体承办2009年中小商贸企业国内贸易信用保险保费补助项目,补助范围、补助标准和资金管理按照《财政部办公厅、商务部办公厅关于2009年度中小商贸企业发展专项资金使用管理有关问题的通知》(财办建[2009]72号)及《中小商贸企业信用保险补助政策若干问题的解释》(见附件1)执行。

2. The Undertaking Entities shall circulate the subsidy policy for credit insurance to all branches as soon as possible, conscientiously implement the subsidy projects according to the principles of relevant official documents, actively carry out domestic trade credit insurance business and promote balanced development of credit insurance business in all regions throughout the country; ensure risk control, reduce insurance cost, control insurance premium rate and practically give impetus to popularization of credit sale. They shall also actively extend business scope; open an account designated for subsidy funds for domestic trade credit insurance and establish relevant accounting and management system, in order to enhance fund management and ensure the regulated utilization of fiscal subsidies; immediately sort out projects that are qualified to receive subsidies to domestic trade credit insurance for small and medium commercial and trading enterprises from January 1, 2008 to August 31, 2009 and submit materials to the local departments in charge of finance and commerce in a timely manner in order to ensure completion of work relating to application for subsidy funds on schedule. They shall take initiatives to establish connection with local departments in charge of finance and commerce and give proactive assistance to relevant departments in the course of supervision and inspection; report progress of carrying out the domestic trade credit insurance business (see Annexure 2) to the MOFCOM and CIRC commencing on a quarterly basis from September 2009. Each Undertaking Entity shall report domestic trade credit insurance clauses, premium rate and management system of credit insurance subsidy funds to the MOFCOM and CIRC for filing before September 25, 2009. The China Continent Property & Casualty Insurance Company Ltd. must supplement all documents relating to increase of capital.

Contact Persons:

(1) Department of Market Supervision of the MOFCOM

Zheng Wenyuan: 010-85093311

Yang Junsheng: 010-85093328

Fax Number: 010-85093329

Email: xinyongchu@mofcom.gov.cn

(2) Department of Economic Construction of the MOF

Cheng Jing 010-68552523

Fax Number: 010-68552794

Email: chengjingmof@yahoo.com.cn

(3) Department of Property Insurance of the CIRC

Ge Yali: 010-66286526

Cao Haijing: 010-66286575

Fax Number: 010-66288092

Email: yali_ge@circ.gov.cn

Annexures:

(1) Interpretation on Certain Issues Concerning Credit Insurance Subsidy Policies for Small and Medium Commercial and Trading Enterprises

(2) Quarterly Schedule on Domestic Trade Credit Insurance Business (omitted)

(3) List of Branches of Undertaking Entities (omitted)

September 11, 2009

Annex 1

Interpretation on Certain Issues Concerning Credit Insurance Subsidy Policies for Small and Medium Commercial and Trading Enterprises

1. Criteria for defining a "Small and Medium Commercial and Trading Enterprise"

According to the principles of the Interim Measures for the Control of Special Funds for Development of Small and Medium-Sized Commercial and Trading Enterprises (Cai Jian [2009] No. 229), a small and medium commercial and trading enterprise must meet the following two conditions:

(1) Number of practitioners and sales volume shall meet the requirements of a small and medium commercial and trading enterprise, i.e., the number of practitioners and sales volume shall be decided based on insurance information in the immediately preceding year.

(2) Legal person qualification of a single enterprise shall serve as the only ground for determining whether or not it is a small and medium commercial and trading enterprise rather than the scale of its parent company or the group to which it is subordinate.

2. Source of Enterprise Information

Following information may serve as evidence for determining whether an enterprise is a small and medium commercial and trading enterprise:

Information documents which are provided by a small and medium commercial and trading enterprise and to which its seal is affixed for confirmation (where such enterprise is discovered gaining premium subsidies by fraud or provision of false information, the granted subsidy funds shall be retrieved and its entitlement to subsidies shall be canceled). Information obtained by an insurance company or credit investigation institution from relevant taxation department or administrative department for industry and commerce and audit report or accounting report issued or disclosed by an intermediary agency.

       二、承办单位要尽快将信用保险补助政策传达到各分支机构，依照有关文件精神认真执行补助项目，及时全面地向企业宣传有关政策，积极开展国内贸易信用保险业务，促进信用保险业务在全国各地区的均衡发展。在积极拓展业务规模的同时做好风险防控，降低保险成本，控制保险费率，切实推动信用销售的普及。要建立国内贸易信用保险补助资金专用账户及核算和管理制度，严格资金管理，保证财政补助资金的规范使用。尽早整理2008年1月1日——2009年8月31日期间符合中小商贸企业国内贸易信用保险补助条件的项目，尽快向各地财政、商务主管部门申报材料，确保按期完成补助资金申报工作。主动与各地财政、商务主管部门建立业务联系，对有关部门的监督检查予以积极配合。自2009年9月开始每季度向商务部、保监会报告国内贸易信用保险业务开展情况（见附件2）。各承办单位所使用的国内贸易信用保险条款、费率及信用保险补助资金的相关管理制度在2009年9月25日前报商务部、保监会备案。中国大地财产保险股份有限公司须补齐增资有关文件。

    联系人:

    1、商务部市场秩序司

    郑文渊010-85093311

   杨军生010-85093328

   传真:010-85093329

   邮箱:xinyongchu@mofcom.gov.cn

    2、财政部经济建设司

    程婧010-68552523

   传真:010-68552794

   邮箱:chengjingmof@yahoo.com.cn

    3、保监会财险管理部

    葛亚莉010-66286526

   曹海菁010-66286575

   传真:010-66288092

   邮箱:yali_ge@circ.gov.cn

    特此通知。

    附件:1.中小商贸企业信用保险补助政策若干问题的解释

    2.国内贸易信用保险业务季度进展情况表（略）

    3.承办单位分支机构表（略）

    二〇〇九年九月十一日

    附件1

中小商贸企业信用保险补助政策若干问题的解释

    一、关于“中小商贸企业”界定标准

    按照财政部《中小商贸企业发展专项资金管理暂行办法》（财建[2009]229号）文件精神，界定中小商贸企业掌握以下两点:

    （一）从业人员数和销售额一项指标达到标准，即属于中小商贸企业。从业人数、销售额等数据以投保上一年度的信息为准。

    （二）对中小商贸企业的判定以具有法人资格的单个企业为准，不考虑其母公司或所属集团的规模。

    二、关于企业信息来源

    以下信息可作为确定中小商贸企业的依据:

    中小商贸企业盖章确认的自报信息（如发现弄虚作假，骗取保费补助的，则追回补助资金，并取消享受补助的资格）;保险公司或信用调查机构从税务、工商等部门调查获得信息;中介机构出具的或公开的审计报告、会计报告等。

3. Application Materials

Materials required for applying for projects of premium subsidy to domestic trade credit insurance shall be prepared and handled by the branches of Undertaking Entities in accordance with the requirements of local departments in charge of finance and commerce at the provincial level. The branches of Undertaking Entities must preserve relevant materials that may serve as evidence for determining an enterprise as a small and medium commercial and trading enterprise for future examination.

       三、关于申报材料

    申报国内贸易信用保险保费补助项目所需材料,由承办单位分支机构按照所在地省级财政、商务部门的要求执行。承办单位分支机构须留存据以确认中小商贸企业的相关资料,以备审核检查。

4. Scope of Subsidy

Any independent legal person enterprise that is legally registered within the territory of China and complies with all conditions in the Notice of the General Office of the Ministry of Finance and the General Office of the Ministry of Commerce on Issues Concerning the Administration of Utilization of Special Funds for Development of Small and Medium Commercial and Trading Enterprises in 2009 (Cai Ban Jian [2009] No. 72) shall be entitled to this policy.

       四、关于补助范围

    符合《财政部办公厅、商务部办公厅关于2009年度中小商贸企业发展专项资金使用管理有关问题的通知》(财办建[2009]72号)规定的各项条件,并在我国境内合法注册的独立法人企业均可享受此项政策。

5. Term for Granting Subsidies

The insurance transactions of which the premiums have been actually received by the insurance institutions between January 1, 2008 and August 31, 2009 and which comply with the relevant conditions may be entitled to the subsidies.

       五、关于补助有效期

    2008年1月1日至2009年8月31日期间承办保险机构实际收到保费且符合相关条件的保险交易可享受补助。

6. Filling out the Application Form for Funds

With respect to Annexure 5 of the Notice of the General Office of the Ministry of Finance and the General Office of the Ministry of Commerce on Issues Concerning the Administration of the Utilization of Special Funds for Development of Small and Medium Commercial and Trading Enterprises in 2009 (Cai Ban Jian [2009] No. 72), cumulatively actually-received premiums during subsidy period shall be filled out under the column of "cumulatively actually-received premiums in this year" and cumulatively obtained subsidies during subsidized period shall be filled out under the column of "cumulatively obtained subsidies in this year".

       六、关于资金申报表填写

    《财政部办公厅、商务部办公厅关于2009年度中小商贸企业发展专项资金使用管理有关问题的通知》（财办建[2009]72号）附件5中“本年累计实收保费金额”中填写补助期间累计实收保费金额，“本年累计已获资助金额”中填写补助期间累计获资助金额。