关于购买人身保险新型产品有关注意事项的公告
中国保险监督管理委员会
关于购买人身保险新型产品有关注意事项的公告(保监公告第32号)
为保护广大消费者的合法权益，规范保险公司信息披露行为, 中国保险监督管理委员会已于2001年12月6日颁布了《人身保险新型产品信息披露管理暂行办法》（以下简称《办法》），该《办法》将于2002年1月1日起实施。对于此前已经在我会备案的人身保险新型产品将于2002年3月1日起遵照此《办法》进行信息披露。
现就《办法》中涉及到的消费者在购买分红保险、投资连结保险、万能保险等人身保险新型产品中有关注意事项公告如下：
为使消费者充分了解新型产品的特性及其风险，中国保监会要求保险公司在销售人身保险新型产品时，向客户出具经中国保监会备案、用非专业语言表述的产品说明书。消费者在购买前，一定要认真阅读产品说明书，详细了解产品的保险责任、不保障的内容等事项，理解保险合同双方的权利义务。消费者应明确了解该产品哪些利益是保险公司保证的，哪些项目是不保证的，哪些是根据保险公司未来的经营情况的好坏确定的，并在投保单上签字确认。
对于投资连结类保险产品，消费者应重点了解该类产品投资收益与投资帐户的关系、投资帐户的情况、对投资帐户收取的各项费用的情况、投资账户面临的主要风险、投保人退保时保险公司要扣除的费用和投保人可退还份额等事项。我会要求开办投资连结保险的保险公司至少每月一次在公众媒体上公告投资帐户的单位价值，投保人可以注意阅读，掌握投资单位价值的变动情况。
对于万能保险产品，消费者应全面了解万能产品的保证利率、费用扣除情况、风险保费扣除情况、死亡保险金和保单价值等的变动情况、投保人退保时保险公司要扣除的费用和投保人可退还份额等事项。消费者购买万能保险产品后，还应掌握自己的保单状况，及时缴纳保费，避免因保单现金价值不足而影响合同的效力。
对于分红保险产品，消费者应了解该产品的保险责任、特征、红利及红利分配方式等事项，由于各种分红保险的设计有一定差异，分红保险所能提供的保障和收益程度各有不同，消费者应全面把握分红产品的保障和投资作用，不要将不同分红保险产品的红利多少作简单、片面的比较，更不能与其他类型的产品收益作比较。
特此公告
中国保监会
二○○一年十二月二十九日
国务院关于扩大内地省、自治区、计划单列市和国务院有关部门吸收外商投资审批权限的通知(附英文)
国务院
国务院关于扩大内地省、自治区、计划单列市和国务院有关部门吸收外商投资审批权限的通知(附英文)
国务院
通 知
为了进一步贯彻对外开放的方针，促进国民经济全面发展，国务院决定适当扩大内地省、自治区和计划单列市，国务院有关部委以及国家建材局、国家医药局、国家技术监督局、国家环保局、中国民航局、国家旅游局、国家海洋局、国家气象局、国家地震局和中国科学院吸收外商投资
的审批权限。
吸收外商投资的生产性项目，凡符合国家规定投资方向，建设和生产经营条件以及外汇收支不需要国家综合平衡，产品出口不涉及配额与许可证管理的，上述有关地方和部门的审批权限，由现行项目总投资额五百万美元以下提高到一千万美元以下。项目批准后报国家计委备案。
人民团体兴办外商投资企业，由企业所在省、自治区、直辖市或计划单列市审批。
本通知自发布之日起执行。
CIRCULAR OF THE STATE COUNCIL CONCERNING THE EXTENSION OF THELIMITS OF POWER VESTED WITH THE INLAND PROVINCES, AUTONOMOUS REGIONS,MUNICIPALITIES SEPARATELY LISTED IN THE STATE PLAN AND THE DEPARTMENTSCONCERNED UNDER THE STATE
COUNCIL IN EXAMINING AND APPROVING FOREIGNINVESTMENT A
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 "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 STATE COUNCIL CONCERNING THE EXTENSION OF THE
LIMITS OF POWER VESTED WITH THE INLAND PROVINCES, AUTONOMOUS REGIONS,
MUNICIPALITIES SEPARATELY LISTED IN THE STATE PLAN AND THE DEPARTMENTS
CONCERNED UNDER THE STATE COUNCIL IN EXAMINING AND APPROVING FOREIGN
INVESTMENT ABSORPTION
(July 3, 1988)
With a view to further implementing the policy of opening to the outside
world and to promoting the all-round development of the national economy,
the State Council has decided to appropriately extend the limits of power
vested with the inland provinces, autonomous regions, and municipalities
separately listed in the state plan, the relevant ministries and
commissions under the State Council, and the State Bureau of Building
Materials Industry, the State Administration for Medicine, the State
Bureau of Technology Supervision, the State Administration for
Environmental Protection, the Civil Aviation Administration of China, the
National Tourism Administration, the National Bureau of Oceanography, the
National Meteorological Bureau, the State Seismological Bureau, and the
Chinese Academy of Sciences in examining and approving foreign investment.
With respect to productive projects developed by absorbing foreign
investments, provided these projects are in conformity with the investment
orientation stipulated by the state, their conditions of construction and
productive operations as well as their foreign exchange income and
expenditure do not require comprehensive balance to be conducted by the
state, and the export of their products does not involve export quota or
administration of export licences, the present limits of authority vested
with the aforesaid localities and departments in examining and approving
projects with a total amount of investment of five million U.S. dollars or
below each shall be extended to ten million U.S. dollars or below each.
After approval, the projects shall be reported to the State Planning
Commission for the record.
Where enterprises with foreign investments are set up by people's
organizations, their applications shall be examined and approved by the
province, autonomous region, municipality directly under the Central
Government, or municipality separately listed on the state plan, where the
said enterprises are located.
This Circular shall become effective as of the date of promulgation.
1988年7月3日
