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
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
共青团中央、国家教委关于实现团校教育正规化的意见
共青团中央、国家教委
共青团中央、国家教委关于实现团校教育正规化的意见
(一九八八年二月四日)
(一)
第三次全国团校工作座谈会以来，团校教育事业有了长足的发展，在培训团的干部，促进团干部队伍的革命化、年轻化、知识化、专业化，在传播马列主义、毛泽东思想，宣传党的路线、方针、政策等方面发挥了重要作用。与此同时，各级团校根据新时期共青团工作的要求，积极探索团校教育正规化建设的新路，努力加强各项基础工作，取得了显著的成绩。中国青年政治学院的建立，标志着团校教育事业发展到了一个新的阶段。
团校是培养和训练团的干部及其他青少年工作者的基地，在全团工作中处于十分重要的地位。团校教育事业是党和国家教育事业的组成部分，同时担负着为党和国家培养青年干部的重要职责。实现团校教育正规化，对于提高团干部队伍和整个青少年工作者队伍的思想业务素质和工作能力，使之更加自觉地担负起社会主义现代化建设中培育“四有”新人的光荣使命，具有十分重要的意义。
(二)
团校教育的基本任务是：以马克思主义基本理论，党的路线、方针、政策，青少年工作理论和业务知识以及现代科学文化知识武装团的干部和其他青少年工作者，培养党性强、作风好、具有较高马克思主义理论水平、新时期青少年工作专业知识和技能的专门人才。
团校教育在总体上分为：包括在职团干部岗位职务培训及学历教育在内的成人教育和实行社会招生培养青少年工作者的普通高等教育。其中，岗位职务培训是重点。要逐步实现团的各级干部上岗前后必须及时接受岗位培训，取得相应的岗位资格证书，把团干部培养与使用紧密结合起来，使团校教育更好地服务于团干部队伍“四化”建设。
团校教育正规化就是从团的事业需要出发，根据团干部队伍的自身特点和“四化”目标，统筹规划，按需施教，遵照教育规律办学。不同类型的培训施以不同规范的统一班次、学制、课程设置和教材，执行严格的招生、考试、考核和教学管理制度，并配备相应的师资队伍教、学设施、图书资料及后勤保障力量等，以保证教学质量，实现培养目标。
(三)
团校发展格局中，普通团校是基本形式。随着团干部队伍建设的需要和团校教育事业的发展，在普通团校的基础上，本着有计划、重质量、讲效益、量力而行的原则，按国家教委的统一规划和要求，逐步建立一批属于成人高等教育的青年干部学院和属于普通高等教育的青年政治学院(同时保留普通团校的性质、任务和校名)，分别承担在职团干部和其他青少年工作者的岗位培训、学历教育和招收应届高中毕业生，为各级团委培养青少年工作各类专业人才，并视实际需要和具体办学条件，逐步开展思想政治教育专业第二学士学位教育。
根据这一格局，省级团校及具备条件的省会城市和计划单列市的团校，经省、自治区、直辖市、计划单列市人民政府按国家教委有关规定严格考核，达到大学专科教学水平的，报国家教委有关规定严格考核，达到大学专科教学水平的，报国家教委审批后，进入青年干部学院系列。现有的青年干部学院应继续抓紧充实办学条件，加强师资队伍建设，努力提高教学质量。“七五”期间，要集中力量办好现有的青年政治学院，适当扩大招生规模，提高教学水平，在此基础上，根据需要和国家教委发展普通高等教育的规划，在有条件的地方筹办少量青年政治学院。要采取有力措施，积极推进地市团校的建设和发展。要加强少数民族地区团校建设和少数民族团干部的培养训练，鼓励有条件的县和大型厂矿企业从实际出发创办团校，大力促进地市(县)电化教育工作站的建设，形成以各级团校为依托的团干部教育培训网络。
(四)
团校教育以马克思主义基本理论和青少年工作专业知识为主课。岗位职务培训主要选择开设马列主义基础理论和不同岗位职务所需要的专业理论、知识技能课。成人学历教育和普通高等教育主要开设马列主义基础理论课、青少年专业基础理论课、青少年工作专业课和文化基础课等四类课程。同时还可根据不同专业的教学需要，开设一定门类的选修课，包括必要的现代科技知识讲座。
教材是保证教学质量的重要环节，也是评估办学水平的重要标志。必须切实加强团校教材建设。要根据团校教学的需要，分别组织编写各层次各门类课程的教学大纲和专业教材。团校系统成立以中央团校为核心的教材编审委员会，在全团干部教育工作领导小组的领导和国家教委、中组部有关教材建设部门的指导帮助下，制订全国团校系统教材建设规划，组织协调有关方面力量，编写、审定各层次、专业的教学大纲和专业教材。教材编审委员会下设办公室，负责日常具体工作。办公室设在中央团校。
(五)
加强各级团校的师资队伍建设，是团校教育正规化建设的关键。要充分发挥各级团校现有中老年教师的作用，积极培养青年教师，并根据教学发展的需要，有计划地充实相应学科、专业的教学骨干。要积极创造条件，通过各种有效途径，加强师资培训，努力提高团校教师的教学水平。中央团校要为省地两级团校教师，尤其是青少年思想教育专业教师的进修提高创造条件。
团校教师应具有坚定的政治信念，较高的马列主义理论修养和学术水平，热爱团校教育事业。团校的各学科教师，都应该熟悉和了解青少年和青少年工作。要教书育人，为人师表。对于在教学和科研中作出贡献的团校教师要给予表彰、奖励。
搞好团校系统教师职务评审聘任工作是加强团校教师队伍建设的重要方面。这项工作可按中央职称改革工作领导小组的统一部署和精神进行。要从团校的性质、特点出发，给予团校教师以相应的政治待遇，不断改善团校教师的教学、科研和生活条件。
(六)
团校教育必须坚持理论联系实际的教学方针，坚持坚定正确的政治方向，注重培养学员运用马克思主义的立场、观点、方法去分析解决问题的能力。要认真贯彻中央有关教育改革的精神，从团校教育的特点、需要出发，研究探索具有团校特点的教学方法。要以提高教学质量为中心，密切联系青少年工作实际，大力加强教学科学研究，提高团校教育各学科尤其是青少年教育的理论研究和教学水平，要建立专门的科研机构，积极开展各种学术活动，使团校不仅成为培养青少年工作者的基地，而且成为青少年工作理论的研究基地。有条件的团校要办好团校校刊(学报)，开辟学术研究、信息交流的阵地。
(七)
团校学员的思想政治工作，要坚持高标准、严要求。要发扬团校的优良传统，既要注意发挥党团组织和政工部门的作用，又要让教职工人人都来做思想政治工作，形成思想政治工作的强大合力。要把学员思想政治工作作为团校教育工作的重要组成部分，融汇在课堂教学、课外活动、社会实践等各个环节。要把那些要求学员掌握的思想教育方法首先运用到各项教学活动之中，使学员不仅从理论书本上，而且从亲身感受中领会思想政治教育的艺术，掌握思想政治工作入情入理、入耳入脑的科学方法。要努力创造一种实事求是、朝气蓬勃、联系青年、奋发进取的团校校风，提倡勤于思考、敢于创新、刻苦钻研、健康向上的优良学风，培养学员成为坚定的青年马克思主义者。
(八)
团校的后勤服务工作是团校教育工作的重要方面。要加强后勤队伍建设，坚持后勤工作为教学服务的思想。后勤工作要为教学工作提供物质保证，创造一个良好的学习生活环境。可以组织学员参加部分后勤服务工作，以增进学员与后勤部门相互间的理解、支持，增强学员对社会生活的接触、认识。要不断改进加强后勤服务工作，努力提高后勤服务工作科学化、社会化程度。
(九)
团校建设要与各自的培训任务相适应。要本着实事求是、量力而行、逐步发展的原则确定办学规模和发展规划。
各级团校的编制，应根据国家有关规定，分别不同教育类型和规模确定。普通团校和青年干部学院参照成人高等院校(或中等专科学校)教职工编制的规定执行，青年政治学院按照普通高等院校教职工编制的规定执行，其中岗位职务培训部分的编制，按成人高等院校的规定执行。教职工总数中，教学科研人员应占百分之五十以上。
普通团校和青年干部学院的经费，应按培训规模从干部培训经费项内列支，青年政治学院的经费应由财政部门按统一分配的招生人数在教育事业费项内列支。所需基建投资，应分别报请中央和地方财政解决。
团校教育正规化需要相应规模的校舍和教学设备。团校校舍建设要有长远规划，应重视图书馆、阅览室和文体活动场所的建设。已经批准建立青年政治学院和青年干部学院的单位，要积极创造条件，尽快达到国家教委有关设置条例的规定标准。要根据团校教学和建立全团干部电化教育培训网络的需要，抓紧装备必要的电化教学设备，扩大团校教育的辐射面，推动全团干部教育培训工作的发展。
(十)
青年政治学院和青年干部学院是教育事业单位，接受同级团委和有关教育部门的领导。省、地两级团校同时接受全团干部教育工作领导小组办公室(设在团中央组织部)和中央团校的业务指导。团的领导机关要根据团校工作的特点和需要，加强团校领导班子建设，配备德才兼备、熟悉热爱团校教育事业、具有管理教育工作能力的正、副校(院)长。领导班子成员的年龄要梯形配备。要注意保持团校领导成员的相对稳定。
各级团校要加强相互间的协作和交流，加强同党政有关部门的业务联系，及时取得他们的支持和帮助，以促进团校各项工作的发展。
各级团委要按照教育工作的特点和规律，切实加强对团校工作的领导，定期研究团校工作，积极为团校工作创造必要的条件，努力在“七五”期间把团校工作提高到一个新的水平。
