中华人民共和国保险法（二）

a permit to engage in the insurance agency service or a permit to engage in the insurance brokerage service， the financial supervision and control department shall declare a ban on his business， confiscate his illegal gains and impose on him a fine of from five to ten times of his illegal gains. If a crime is constituted， criminal responsibility shall be investigated according to law.

　　Article 143 With respect to the insurance company's senior managerial personnel and other persons being directly responsible for the act which violates the provisions of this Law but does not constitute a crime， the financial supervision and control department shall， according to the specific circumstance， give a warning， order to replace those persons or impose a fine of from 5，000 yuan to 30，000 yuan.

　　Article 144 Whoever， in violation of the provisions of this Law， causes damage or loss to others， shall bear civil responsibility according to law.

　　Article 145 Whoever approves an application for establishment of an insurance company which fails to meet the requirements for establishment provided in this Law or approves an application for insurance agent or insurance broker which fails to meet the requirements for agency or brokerage， shall be given disciplinary sanctions； if the circumstances are serious and a crime is constituted， criminal responsibility shall be investigated according to law.

　　Article 146 If any one of the working personnel of the financial supervision and control department， in exercising supervision and control over the insurance business， abuses his duty and power， practices favoritism for personal gains or neglects his duty of office and his act constitutes a crime， criminal responsibility shall be investigated according to law； if no crime is constituted， disciplinary sanctions shall be given thereto.

　　Chapter VIII Supplementary Provisions

　　Article 147 The relevant provisions of the Maritime Code shall apply to marine insurance； and in absence of the provisions in the Maritime Code， the relevant provisions of this Law shall apply.

　　Article 148 The provisions of this Law shall apply to the establishment of insurance companies with foreign investment， or branch companies of foreign insurance companies within the territory of China； the provisions separately provided by other laws and administrative regulations shall apply.

　　Article 149 The state supports the development of the in

surance business which serves agricultural production. Agricultural insurance shall be provided separately by laws and administrative regulations.

　　Article 150 Laws and administrative regulations shall separately institute regulations on insurance organizations of other nature than those insurance companies provided by this Law.

　　Article 151 Those insurance companies which， in accordance with the regulations of the State Council， were ratified to be established prior to the enforcement of this Law， shall continue to remain. Among them， those which fail to meet completely the requirements provided by this Law shall come up to such requirements within a prescribed time limit. The State Council shall formulate the concrete measures.

　　Article 152 This Law shall enter into force on October 1， 1995

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