HKFI Annual Report 2004/2005

香

港

保

險

業

聯

會

THE HONG KONG FEDERATION OF INSURERS

2004/2005 年報 Annual Report

Contents 目錄

13.5.2004 - 14.5.2005

Foreword from the Chairman 主席前言

2

Executive Summary 行政報告

5

Annual Review 周年回顧

8

Report of the Insurance Agents Registration Board 保險代理登記委員會報告

22

Report of the Appeals Tribunal 上訴裁判處報告

40

Corporate Structure 組織架構

42

List of Office-bearers 委員名錄

44

Financial Statement 財務報表

70

Events Highlights 大事紀要

85

Members List 會員名錄

98

1

Foreword from the Chairman 主席前言

14.5.2004 - 29.4.2005

Mr K P Chan Chairman The Hong Kong Federation of Insurers 香港保險業聯會主席 陳健波先生

2

2004/2005 HKFI Annual Report • 年報

It is my privilege to present the Hong Kong Federation of

本人深感榮幸能為各位呈獻香港保險業聯

Insurers (HKFI) Annual Report for 2004/2005, an exceptionally

會（保聯）2004/2005年度年報，當中記載

fruitful year in the history of the HKFI. On top of the successful

了保聯成果甚豐的一年，我們除了順利完

completion of many important projects, the HKFI has been

成多個重要項目之外，作為保險業的代表

transformed gradually into an insurance industry body ready

團體，保聯時刻準備就緒，隨時就業界事

and able to articulate and safeguard the common interests of

宜表達意見，以及維護會員公司的共同權

its Member Companies.

益。

For the period under review, we made it our top priority to

保聯在過去一年的首要任務，是配合相關

meet the changing needs of our stakeholders. On the other

團體不斷改變的需要。另一方面，我們矢

hand, we strived to make our industry better understood by

志讓公眾人士更加了解保險業。事實上，

the community. This, of course, has proven to be more difficult

要達致此目標，著實比預期困難多了，尚

than expected. But I am pleased to say that with the con-

幸得到會員公司鼎力支持，讓保聯在各個

tinued support of Member Companies, we have made consid-

重要範疇均有理想表現。

erable progress in these vital areas.

From this Annual Report you will see many tasks we have

這年報記錄了保聯過去一年完成的種種工

accomplished in the past year and the continued efforts we

作，以及我們不斷努力改善業界的公眾形

have made to improve the public image of the insurance

象、提高保聯的知名度，以及加強與相關

industry, enhance the profile of the HKFI and strengthen com-

人士，包括投保人士的溝通。

munication with our stakeholders including the insuring public.

As I review the ground we have covered, I cannot help but feel

回顧過去，不得不在此向管治委員會的同

enormously grateful to my colleagues on the Governing

僚致以無盡感激，特別是卸任主席劉允剛

Committee, in particular Mr Edward Lau, Immediate Past

先生和副主席安德生先生，感謝他們無私

Chairman, and Mr Roddy Anderson, Deputy Chairman, for

奉獻和全力匡助。

their dedication and unfailing support.

I would also like to express my most sincere appreciation to all

與此同時，感謝所有支持保聯和向我們提

who have given us their kind support and wise counsel. My

供寶貴意見的人士，包括：行政會議成員

heartfelt appreciation goes to the Honourable Bernard Chan,

兼立法會議員陳智思太平紳士、保險業監

JP, member of the Executive Council and Legislative Council,

理專員袁銘輝太平紳士及保險業監理處仝

Mr Richard Yuen, JP, Commissioner of Insurance, and his

仁。承蒙他們戮力支持和指導，令保聯得

remarkable team of staff. Without their staunch support and

以順利完成種種重要使命。

guidance, we would not be able to accomplish so many important tasks.

3

It has been a truly rewarding and memorable experience for

出任保聯主席一職，令我獲益良多，實在

me as Chairman of the HKFI and over the past eleven months,

永誌難忘。擔任保聯主席11個月讓我深感

I have served the HKFI with the greatest sense of pride and the

自豪，這實在有賴各會員公司、管治委員

finest support from Member Companies, the Governing

會、一般保險總會、壽險總會、各個專責

Committee, the General and Life Insurance Councils, various

小組、技術公會、工作小組和保聯秘書處

Task Forces, Technical Associations, Working Groups and the

仝仁予以支持。

HKFI secretariat.

On behalf of the HKFI, I would also like to thank members of

最後，謹代表保聯感謝保險代理登記委員

the Insurance Agents Registration Board and the Appeals

會和上訴裁判處各委員努力不懈、不辭勞

Tribunal for their hard work, dedication and community spirit.

苦、惠及社群的服務精神，為維持有效率

They have been instrumental in maintaining an effective and

和公信力的自律監管制度，發揮作用，有

credible self-regulatory regime for the industry to help pro-

助推廣業界的優良行業慣例，並維護投保

mote the best industry practice and safeguard the interests of

人的利益。

the insuring public.

4

K P Chan

主席

Chairman

陳健波

29 April 2005

2005年4月29日

Executive Summary 行政報告

14.5.2004 - 29.4.2005

Mr Peter C H Tam Executive Director The Hong Kong Federation of Insurers 香港保險業聯會總幹事 譚仲豪先生

5

The past 12 months have seen a significant transformation of

過去一年，香港保險業聯會銳意更新求

the HKFI. Specifically, we have re-positioned ourselves and

變，重新定位，著力就巿民關注的保險問

become more pro-active in addressing insurance-related

題，作出積極回應。

issues of concern to the general public.

We are also working much harder to reach out to many of our

此外，我們比以往更主動接觸多個相關團

stakeholders, building bridges of goodwill and fostering

體，建立親善的橋樑，增進彼此了解，並

mutual understanding. Never before have we been in closer

就種種保險事宜與政府、傳媒、專業保險

dialogue with the Government, the media, professional

團體、社會組織和公眾人士展開對話，闡

insurance bodies, community groups and the public at large

釋業界立場。

to explain our industry's position on a range of subjects involving insurance.

On topics like travel insurance, building's third party liability

就旅遊保險、建築物第三者責任保險、醫

insurance, health care reform, employees' compensation

護改革、僱員補償保險和維護投保人權益

insurance and protection of the interests of the insuring public,

等課題上，保聯在會員間集思廣益，提出

the HKFI has put forward constructive ideas and suggestions

很多具建設性的構思和建議。此外，在某

with input from Member Companies. Where necessary, we act

些突發事件上，例如：去年聖誕節發生的

promptly to mobilize industry support to assist those in need

南亞海嘯，保聯因事制宜，迅速作出回

as in the case of the Asia Tsunamis last Christmas. We will con-

應，號召業界協力援助有需要人士。將

tinue to do what it takes to strengthen public confidence in

來，我們定當繼續致力加強巿民對保險的

insurance and help people see the importance of having

信心，讓他們了解投購適切且足夠保險保

proper and sufficient insurance cover.

障的重要性。

As a trade association, we place great importance on under-

保聯代表133家會員公司的權益，我們殷切

standing the needs and expectations of our 133 Member

關注各會員的需要和期望，因此，保聯網

Companies. So the HKFI web-site has been revamped recently

頁最近換上新貌，為會員公司提供更便捷

to provide a better platform of on-line communication with

的網上溝通平台。稍後，我們會深入研究

Member Companies. Later in the year we will conduct an in-

如何進一步改善會員服務的方法。

depth study to find out what should be done further to improve our services to Members.

The HKFI is suppor ted by four functional units, i.e.

保聯秘書處由總務、會務、監察和外務傳

Administration, Committee, Compliance and Corporate

訊四個部門組成，現有27位職員負責提供

Communications with a staff complement of 27. To help raise

各項支援服務。為了提高員工的工作效

our productivity, we have launched a series of job-related

率，我們提供一連串與工作有關的培訓課

training programmes and re-structured the office administra-

程，並且重整辦公室的行政架構，果效理

tion. The outcome, I am pleased to say, has been more than

想，實在教人欣喜。

satisfactory.

6

2004/2005 HKFI Annual Report • 年報

We have a remarkable team of staff. To all of them I want to

謹此感謝秘書處優秀的員工盡心至誠、努

pay a special tribute for their dedication and hard work. My

力耕耘。此外，衷心感謝保聯主席陳健波

heartfelt appreciation also goes to the HKFI Chairman, Mr K P

先生、管治委員會委員、一般保險總會委

Chan, and members of the Governing Committee and the

員和壽險總會委員的指導及寶貴意見。日

General and Life Insurance Councils for their guidance and

後，保聯將會面對更大的挑戰，故此希望

wise counsel. I know we can look to them and Member

各委員及會員公司繼續予以支持。

Companies for continued support as we take on greater challenges in the years ahead.

Peter C H Tam

總幹事

Executive Director

譚仲豪

29 April 2005

2005年4月29日

7

Annual Review 周年回顧

14.5.2004 - 29.4.2005

MEMBERSHIP

保聯會員

As at 29 April 2005, the HKFI had 133 Members. The continued

截至2005年4月29日，保聯共有133家會員

consolidation of the general insurance industry resulted in a

公司，由於一般保險業的合併潮持續，導

further drop in the number of General Insurance Members

致一般保險會員公司的數目由去年的92家

from last year’s 92 to 88 while the number of Life Insurance

進一步下降至88家；而壽險會員公司的數

Members saw a slight reduction from 46 to 45.

目則由去年的46家輕微減少至45家。

It is estimated that HKFI Members contributed more than 90%

據估計，保聯會員公司的承保額佔香港保

of the gross premiums written in the Hong Kong market.

險巿場總毛保費九成以上。

MARKET PERFORMANCE

市場表現

According to the provisional statistics released by the Office of

香港保險業監理處公布的臨時統計數據顯

the Commissioner of Insurance, gross and net premiums for

示：截至 2004年12月31日止，一般保險業

general insurance business written in the year ended 31

務毛保費較2003年下降7.2%，至229.92億

December 2004 decreased by 7.2% to HK$22,992 million, and

港元，淨保費則減少4.5%至162.73億港

by 4.5% to HK$16,273 million, respectively, as compared with

元。而承付索償淨額則達100.54億港元，

2003. As regards gross claims paid, the amount reached

比2003年上升8.5%。

HK$10,054 million, an increase of 8.5% as compared with 2003.

While the general insurance market has experienced some

一般保險巿場整體已見復蘇，承保利潤比

recovery on the whole and recorded an underwriting profit of

2003年增加60.4%，達21.54億港元，但僱

HK$2,154 million, an increase of 60.4% from 2003, the

員補償業務仍錄得2.66億港元虧損。

Employees’ Compensation business experienced a loss of HK$226 million in 2004.

As regards life insurance industry, the total revenue premiums

至於壽險業方面，截至2004年12月31日，長

of long-term in-force business collected by the insurance

期保險有效業務的總保費收入達1,000.88億

industry amounted to HK$100,088 million in the year ended

港元，較2003年上升28.4%。

31 December 2004, an increase of 28.4% over 2003.

8

2004/2005 HKFI Annual Report • 年報

The new business statistics showed that the new office

新造業務（不包括退休計劃）的總保費較

premiums (excluding Retirement Scheme business) increased

2003年增加53.8%至385.95億港元，分為投

by 53.8% to HK$38,595 million. Breaking this down into linked

資成分和非投資成分兩類業務：個人壽險

and non-linked businesses, individual life (non-linked) busi-

（非投資成分）增加22.1%至197.22億港

ness increased by 22.1% to HK$19,722 million while individual

元，個人壽險（投資成分）顯著上升

life (linked) business recorded a phenomenal increase of

116.9%至185.15億港元。2004年個人有效

116.9% to HK$18,515 million. The amount of benefit pay-

業務（直接業務）的利益給付金額增加

ments of direct individual in-force business in 2004, on the

15.9%，至227.46億港元。

other hand, increased by 15.9% to HK$22,746 million.

NEW DEVELOPMENT

新發展

Equal Opportunities Commission's Study on Insurance Practices

平等機會委員會研究保險慣例

In response to the Discussion Paper on Insurance Issues under

就平等機會委員會發表的《與反歧視法例

the Anti-discrimination Legislation by the Equal Opportunities

有關的保險問題討論文件》，保聯研究及整

Commission, the HKFI undertook to review and update

理相關的實務守則指引，供會員參考，包

insurance best practice guidelines for its members, including

括：更新壽險總會於2000年頒布的《遺傳

updating the Code of Practice - Genetics Testing & Insurance

基因測試實務守則》，以及就應用投保前已

promulgated by the Life Insurance Council in 2000 and devis-

存在疾病和豁免條款制訂工作原則。

ing working principles on applying pre-existing conditions and exclusions.

Code of Practice on Genetic Testing

遺傳基因測試實務守則

With the latest draft edition of genetic code used in the United

保聯參考英國沿用的遺傳基因守則最新草

Kingdom as reference, the HKFI updated the Code of Practice -

擬本，修訂了《遺傳基因測試和保險實務

Genetics Testing & Insurance which is now re-named Code of

守則》，並易名為《遺傳基因測試實務守

Practice on Genetic Testing and, effective May 2005, would be

則》，新版《守則》於2005年5月生效，供

observed by both Life Insurance Members and General

壽險會員和承保醫療保險業務的一般保險

Insurance Members writing medical insurance business.

會員參考。

9

Statement of Best Practice on Applying Pre-existing Conditions and Exclusions

應用投保前已存在疾病和 豁免條款實務守則

After months of hard work and in consultation with the Equal

經過多月的努力，以及與平等機會委員

Opportunities Commission, the Insurance Authority and all

會、保險業監督和所有會員公司多番磋

Member Companies, the Task Force on EOC Discussion Paper

商，平機會討論文件專責小組完成了《應

has produced a Statement of Best Practice on Applying Pre-

用投保前已存在疾病和豁免條款實務守

existing Conditions and Exclusions to assist Member Companies

則》，並於2005年4月13日發出有關文件協

in complying with the anti-discrimination laws. The Statement

助會員公司遵守反歧視法例。查新《守則》

of Best Practice on Applying Pre-existing Conditions and

乃參照英國承保商協會發出的類似指引而

Exclusions based primarily on a similar guide of the Association

制訂的。

of British Insurers, was issued on 13 April 2005.

Information Security Guidelines

資訊保安指引

At the invitation of the Security Bureau to formulate informa-

保聯應保安局邀請，就適用於保險業的資

tion security standards for the insurance industry and estab-

訊保安標準，以及設立檢查或評核機制核

lish an audit or assessment mechanism to certify compliance

實保險公司遵守有關標準的情況，制訂了

with such standards, the HKFI devised a set of industry guide-

業界指引，供會員參考及應用。

lines for Members’ reference and adoption.

Self-regulation

自律監管

The Code of Practice for the Administration of Insurance Agents

保險代理管理守則

The 6th Edition of the Code of Practice for the Administration of

《保險代理管理守則》第6版於2004年6月1

Insurance Agents came into effect on 1 June 2004. In addition

日生效，除了修正內容外，新《守則》更

to other minor or housekeeping amendments, the new Code

將臨時登記期由三個月延長至「為期不超

of Practice for the Administration of Insurance Agents extended

過三年」，因為此舉：

the provisional registration of registered persons from three months to "a period not exceeding three years" in order to: (a) allow an applicant whose case was pending with the

(a) 容許正在等候保險代理登記委員會最

Insurance Agents Registration Board's final decision to be

終判決的申請人與其他代理受到同樣

on par with other registered persons, so that he could

看待，讓有關申請者可以在三年登記

continue conducting insurance agency business during

期內繼續進行保險代理業務；以及

the full registration period; and

10

2004/2005 HKFI Annual Report • 年報

(b) eliminate the administrative burden on the appointing

(b) 減輕委任保險公司和委員會的行政負

Principals as well as the Insurance Agents Registration

擔，因為如果個案最終不成立，登記

Board (IARB) because if the case was not proven in the

的臨時性質會自動撤銷，毋須再行修

end, the provisional nature of the registration nature of the

訂公開登記紀錄。

registration would be automatically removed and there would no longer be a need to amend the public registration record.

Guidance Notes on the Continuing Professional Development Programme

持續專業培訓計劃指引

The HKFI, together with the IARB, promulgated two guidance

保聯聯同保險代理登記委員會於2004年11

notes on the Continuing Professional Development

月11日頒布兩份有關持續專業培訓計劃的

Programme on 11 November 2004, one for the transitional

指引：《指引-7》關於過渡期安排，而

period (GN-7) and the other for 2005 and onwards (GN-8).

《指引-8》則有關2005年及以後的安排。

They are now in the process of revising GN-7 and GN-8 as the

保聯和保險代理登記委員會現正修訂《指

Insurance Authority, in its January 2005 Continuing Professional

引-7》及《指引-8》，因為保險業監督於

Development Information Sheet, revised the annual require-

2005年1月發出的《持續專業培訓—資料

ments for all insurance intermediaries from 5 core and 10 non-

摘要》，修訂保險中介人每年需要完成的學

core credits to 10 Continuing Professional Development hours,

分要求，由原來的5個核心學分和10個非核

which would be effective on 1 August 2005 for registered per-

心學分，改為10個時數。適用於保險代

sons (i.e. Insurance Agents, Responsible Officers and Technical

理、負責人及業務代表的新要求將於2005

Representatives).

年8月1日生效。

11

General Insurance

一般保險

Study on the Feasibility of Establishing a Centralized Employees’ Compensation Scheme

研究成立中央僱員補償制度的 可行性

The Task Force on Employees’ Compensation under the

一般保險總會轄下的僱員補償專責小組於

General Insurance Council submitted an industry position

2004年10月28日，就成立中央僱員補償制

paper on the subject matter to the Permanent Secretary for

度的可行性研究，向經濟發展及勞工局

Economic Development and Labour (Labour) on 28 October

（勞工）常任秘書長提交業界立場書，探

2004. The position paper focused on the ways to improve the

討改善本港現行僱員補償制度的方法、為

current Employees’ Compensation system in Hong Kong,

高風險行業提供保險保障的措施，以及業

measures to be taken to address the issue of insurance coverage

界致力與政府與相關團體攜手合作，為高

for high risk groups and the industry's commitment to work with

風險行業設立剩餘巿場制度。

the Government and all parties concerned to establish a residual scheme to provide cover for high risk groups.

On 18 March 2005, the HKFI submitted to the Permanent

保聯就剩餘巿場制度的建議架構制訂的建

Secretary for Economic Development and Labour (Labour) a

議書，獲保險業監督原則上認可，並於

proposal on the proposed structure of a residual scheme, which

2005年3月18日提交予經濟發展及勞工局

has been endorsed in principle by the Insurance Authority.

（勞工）常任秘書長。建議中的剩餘巿場

The proposed residual scheme will be administered in the

制度將會以由參與的保險公司推選出的

form of co-insurance by an Administrative Representative

「行政代表」以共保形式管理。保聯將與政

elected from the participating members. Further details are

府和包括勞工顧問委員會在內的相關團體

being worked out in consultation with the Government and

商討細節安排。

interested parties including the Labour Advisory Board.

12

Fire Surveying Service

火險測量服務

Due to the departure of the HKFI fire surveyor, the General

鑑於保聯聘用的火險測量員業已離職，一

Insurance Council appointed Pierre Leong & Co to provide the

般保險總會聘任平量行有限公司為一般保

fire surveying service for General Insurance Members.

險會員提供火險測量服務。

2004/2005 HKFI Annual Report • 年報

Motor Policies

汽車保單

The Accident Insurance Association completed a thorough

意外保險公會完成檢討商用汽車保單、摩

review of the translation of motor policies for commercial

托自行車保單、汽車貿易保單和私用汽車

vehicles, motor cycles, motor trade and private motor cars.

保單譯本。

Hospital Claim Form

醫院索償表格

With the input from the Hong Kong Medical Association, the

在香港醫學會協助下，醫療保險協會修訂

Medical Insurance Association revamped the hospital claim

了自1996年7月起沿用的醫院索償表格。

form which has been in use since July 1996.

Life Insurance

人壽保險

Revised Customer Protection Declaration Form

新版《客戶保障聲明書》

The Life Insurance Council revised the Customer Protection

壽險總會修訂的《客戶保障聲明書》於

Declaration Form which came into effect on 1 January 2005.

2005年1月1日生效。新版本旨在堵塞原有

Changes were aimed at removing loopholes or inappropriate-

版本應用於不同情況時出現的漏洞，以及

ness of the previous wordings when applied to different situa-

刪除不適用的字眼。此外，《客戶保障聲

tions. It also focused on drawing the prospects’ attention to

明書》加入更多具體問題，讓準投保人留

the financial implication, insurability and claims eligibility by

意轉保對財務、可保資格和索償資格造成

posting more concrete questions for the consideration of the

的影響。壽險總會和保險業監督、香港保

prospects. With participation from the Insurance Authority,

險顧問聯會、香港專業保險經紀協會於

the Hong Kong Confederation of Insurance Brokers and the

2004年12月16日合辦新聞發布會，宣布推

Professional Insurance Brokers Association, the Life Insurance

出全新的《聲明書》，同時強調業界致力維

Council held a media conference on 16 December 2004 to

護客戶的權益。

publicize the implementation of the new Form and our industry's efforts to promote consumer protection.

13

Revised Code of Practice for Life Insurance Replacement

《壽險轉保守則》修訂本

To synchronize with the implementation of the revised

為了配合新版本《客戶保障聲明書》，壽險

Customer Protection Declaration Form, the Life Insurance Council

總會對《壽險轉保守則》作出相應修訂，

made the corresponding amendments to the Code of Practice

並於推出前諮詢壽險會員和保險業監督的

for Life Insurance Replacement and consulted Life Insurance

意見。

Members and the Insurance Authority before publication.

"Frequently Asked Questions" regarding completing the Customer Protection Declaration Form

填報《客戶保障聲明書》的 「常見問題」

In order to better assist insurance intermediaries in com-

為了協助保險中介人填寫《客戶保障聲明

pleting the new Customer Protection Declaration Form, the Life

書》，壽險總會預備了一系列常見問題及答

Insurance Council has come up with a set of "Frequently Asked

案，於2005年1月發放予所有壽險會員和其

Questions" with answers which has been circulated to all Life

他保險中介團體參考，並於保聯網站發

Insurance Members and other intermediaries’ bodies for refer-

布，供個別保險中介人及巿民瀏覽。

ence in January 2005. Individual intermediaries and the general public could also access the bilingual "Frequently Asked Questions" from the HKFI website.

Industry Opinions

業界意見

The HKFI continued to work closely with the Government and

保聯繼續與政府及多個半官方機構緊密合

many quasi-government bodies by serving on their commit-

作，出任轄下的委員會委員，包括：財經

tees, such as the Advisory Committee on Human Resources

事務及庫務局轄下財務事務界人力資源發

Development in the Financial Services Sector of the Financial

展諮詢委員會、勞工顧問委員會轄下僱員

Services and the Treasur y Bureau, the Committee on

補償委員會，以及強制性公積金計劃管理

Employees’ Compensation of the Labour Advisory Board and

局轄下強積金計劃運作檢討委員會。

the Guidelines Committee and Schemes Operation Review Committee of the Mandatory Provident Fund Schemes Authority.

14

2004/2005 HKFI Annual Report • 年報

The HKFI was also invited by various Government authorities to

保聯更應各個政府部門邀請，就多個熱門

comment on a great variety of topical issues, including the pro-

課題提供意見，包括：建議成立的保單持

posed Policyholders’ Protection Funds, the Building Management

有人保障基金、《建築物管理(保險)規

(Insurance) Regulation and Revised Guidance Note on Prevention

例》、《防止洗黑錢及打擊恐怖分子指引》

of Money Laundering and Terrorist Financing.

修訂本。

Seminars

講座

During the period under review, 13 seminars and briefings

年度內，保聯共舉辦13個講座及簡報會，向

were organized for Members on current topics such as new

會員介紹多個熱門課題，諸如：新會計準

accounting rules, Employees’ Compensation and motor burn-

則、僱員補償保險及汽車保險邊際成本、

ing costs, preferred life and claims handling for disasters.

優良風險人壽、處理有關天災的索償。

Statistics and Surveys

統計及調查

In the past year, we conducted a number of statistical surveys

過去一年，保聯進行多項數據調查，收集

to collect the most updated market information to provide

最新巿場數據，務求向會員提供既有用又

useful and essential market data for the reference of Members.

重要的巿場數據，包括：僱員補償保險及

For instance, Employees’ Compensation & motor burning

汽車保險邊際成本、醫療費用、向公立醫

15

costs, prevailing medical fees, the turnaround time for obtain-

院索取主診醫生報告的回覆時間等等。此

ing attending physician statements from public sector, etc. We

外，更就各項重要事宜，收集有關數據，

also collected statistics on topical issues such as claims statis-

例如：南亞海嘯引發的索償數據。

tics arising from the Asia Tsunamis.

16

CORPORATE RELATIONS

公共關係

Members Relations

會員關係

HKFI Website

保聯網頁

The HKFI website was revamped and will be unveiled in first

重新設計的保聯網頁將於2005年上半年推

half of 2005 to provide Member Companies with relevant and

出，讓會員公司取得最新的通告、統計和

up-to-date circulars, statistics and survey results, etc.

調查結果等等。

The Cross-strait & Hong Kong Insurance Business Conference

「兩岸三地」保險業交流與合作 會議

For the purposes of building a closer relationship among

為了讓保聯會員與內地和台灣的保險同業

Members and insurance practitioners in the Mainland and

建立更密切關係，保聯組成21人代表團參

Taiwan, the HKFI formed a delegation of 21 to attend the Cross-

加去年10月假台灣舉行的「兩岸三地」保

strait & Hong Kong Insurance Business Conference in Taipei last

險業交流與合作會議。是次會議共有400多

October. Around 400 insurance practitioners attended.

位業界人士參加。

2004/2005 HKFI Annual Report • 年報

Social Events

聯誼活動

The Annual Dinner remained the most auspicious social event

周年晚宴是保聯眾多聯誼活動中最重要的

of the HKFI. We were grateful to our Guest-of-honour, the

一項，承蒙財經事務及庫務局局長馬時亨

Honourable Frederick Ma, JP, Secretary for Financial Services

太平紳士擔任主禮嘉賓。今年出席晚宴的

and the Treasury. This year, the party was graced by the

嘉賓超過320人。

presence of more than 320 guests.

With a view to providing an opportunity for Members to meet

保聯於2004年12月舉辦周年酒會，讓各會

and exchange views with legislators, senior Government offi-

員有機會與立法會議員、高級官員和半官

cials and quasi-government officials, the HKFI organized the

方機構的高級職員聚首一堂，會面交流。

annual cocktail party last December, which was attended by

今年共有110多位嘉賓及會員公司代表出

more than 110 guests and representatives of Members.

席。

Relations with the Honourable Bernard Chan

與陳智思議員的關係

The HKFI would like to thank the Honourable Bernard Chan, JP,

保聯謹此感謝陳智思太平紳士戮力襄助，

for his continued support and assistance which he has kindly

協助保聯應付了不少對保聯業影響彌深的

extended to the HKFI in dealing with a great many industry issues

事宜。

that have long-term impact on the insurance business at large.

17

Government Relations

政府關係

The HKFI continued to work closely with the Insurance

保聯繼續與保監緊密合作，處理多項業界

Authority on a great many industry issues, such as the new

事宜，例如：持續專業培訓計劃的新安

arrangement of the Continuing Professional Development

排、《客戶保障聲明書》修訂本、建議成

Programme, the revision of the Customer Protection

立的中央僱員補償制度等等。

Declaration Form, the proposed centralized Employees’ Compensation scheme, etc.

For the purposes of ensuring that the latest legislative amend-

為了確保最新修訂的法例和當局的建議顧

ments and Government proposals would take into account

及保險業的需要和權益，保聯與多個政府

the needs and interests of the insurance industry, the HKFI

部門、半官方機構和公共機構定期保持聯

maintained regular dialogues with various Government

絡。

bureaux and departments, quasi-government organizations and public bodies.

Relations with the Mainland

內地關係

In addition to the Cross-strait & Hong Kong Insurance Business

除了參加「兩岸三地」保險業交流與合作

Conference, the HKFI also had close contact with the insurance

會議之外，保聯與內地同業保持密切聯

industry in the Mainland. Last year it received representatives

繫。去年分別接待了北京保險行業協會、

from the Beijing Insurance Association, Institution Supervisory

中國保險監督管理委員會江蘇監管局、國

Division of the Jiangsu Bureau of the China Insurance

家發展及改革委員會和上海保險行業協會

Regulatory Commission, National Development and Reform

的代表。

Commission and Shanghai Insurance Association.

Overseas Relations

海外關係

Apart from fostering a close relationship with our counterparts

除了加強與內地和台灣同業的合作之外，

in the Mainland and Taiwan, the HKFI has also sought to reach

保聯更銳意與國際同業保持聯繫。年度

out to our counterparts at the international level. During the

內，多次會晤海外的業界團體代表，包

period under review, the HKFI met with representatives of

括：國際保險協會和國際保險監督聯會。

industry bodies from close and afar including the International Insurance Society and the International Association of Insurance Supervisors.

18

2004/2005 HKFI Annual Report • 年報

Media Relations

傳媒關係

The HKFI has taken a proactive role in communicating with the

保聯主動與傳媒聯絡，積極回應與業界有

media. In addition to responding positively to reports relating

關的報導，尤其是廣受注目的行業慣例。

to the industry, particularly when industry practice was in the

年度內，保聯發布了八份新聞稿和舉行兩

lime light, the HKFI also issued eight media releases and held

次新聞發布會，公布關乎公眾利益的最新

two media conferences to update the media on the latest

行業發展。

industry development of interest to the general public.

Community Relations

社區關係

Consumer Education

向公眾灌輸保險知識

In its ongoing effort to encourage the public to take out insur-

保聯一向致力鼓勵巿民投購保險保障自己

ance for protection, the HKFI ran a series of consumer educa-

和家人，並於2004年11月至2005年2月期

tion programme, "Insurance Know-how", between November

間，於商業電台雷霆881推出「生活保

2004 and February 2005 on Commercial Radio.

鑑」，向消費者灌輸保險知識。

HKFI was invited to collaborate with the Insurance Authority,

保聯於2005年3月與保險業監督、旅遊事務

the Tourism Commission, and the Travel Industry Council of

署、香港旅遊業議會，攜手推出宣傳活

Hong Kong to jointly launch a promotional campaign in March

動，提醒投保人出門前投購旅遊保險的重

2005 to remind the public of the importance of taking out

要性。

travel insurance before departure.

19

Social Projects on Tsunamis

南亞海嘯

Right after the occurrence of the Asia Tsunamis, the HKFI

南亞海嘯發生後，保聯旋即設立電話熱

established a telephone hotline to assist insured travellers

線，協助從受災地區返港的受保旅遊人士

returning from affected areas on matters related to insurance

處理有關保險保障和索償的事宜。同時更

coverage and claims. Efforts were also made to help put fami-

致力協助失蹤旅客的家屬與保險公司聯

lies of missing travellers in touch with insurance companies for

絡，安排索償事宜。此外，保聯更捐出50

claims arrangement. In addition, the HKFI donated

萬港元予香港紅十宇會，支持該會於受災

HK$500,000 to the Hong Kong Red Cross to support their relief

地區的救援工作。

operations in the regions devastated by the Tsunamis.

Promotional Programmes on Occupational Safety & Health

職業安全健康宣傳活動

As a good corporate citizen committed to improving occupa-

作為良好企業公民，保聯致力改善職業安

tional safety and health and reducing accident rates at work,

全健康及減低工作時發生的意外率，故此

the HKFI joined hands with the Occupational Safety and

與職業安全健康局合辦一系列宣傳推廣活

Health Council in launching a series of promotional pro-

動，並獲得參與行業的支持和認同。

grammes. The multifaceted programmes were well received by the participating industries.

20

HKFI Cup of the Green Power Hike

綠色力量「保險業聯會盃」

The HKFI and its Member Companies donated HK$100,000 in

保聯聯同會員公司合共捐出10萬港元，贊

sponsoring the Green Power Hike HKFI Cup, a charitable

助綠色力量舉行的慈善籌款活動 —「綠色

walkathon organized by Green Power. It demonstrated once

力量環島行香港保險業聯會盃」，再次展示

2004/2005 HKFI Annual Report • 年報

again the industry’s dedication to playing an active part in

業界矢志積極投入環保工作，締造更綠化

supporting environmental protection for a greener future.

的未來。

HKFI Scholarships

保聯獎學金

In the academic year 2004/2005, the HKFI Educational Trust

在2004/2005學年，保聯教育基金頒發八個

awarded eight scholarships to undergraduates from the

獎學金予香港中文大學、嶺南大學和香港

Chinese University of Hong Kong, Lingnan University and the

大學的學生。基金自1989年成立以來，共

University of Hong Kong. Since its inception in 1989, the num-

頒發66個獎學金。保聯教育基金同時捐出

ber of scholarships offered by the Trust totalled 66. The

獎項嘉許在香港保險學會「基本研習考試」

Educational Trust also donated an award to the best candidate

取得最佳成績的學員。

of the year to sit for the Certificate of Insurance Studies Examination organized by the Insurance Institute of Hong Kong.

To help raise the profile of the HKFI Educational Trust and

為了讓更多公眾人士認識保聯教育基金，

attract more outstanding students to join the insurance pro-

以及吸引更多優秀的學生加入保險業的行

fession, a full-page supplement about this scholarship pro-

列，保聯於4月於《明報》刊登全版特刊，

gramme was published in Ming Pao Daily News in April.

介紹保聯教育基金。

21

Report of the Insurance A gents Re gistration Board 保險代理登記委員會報告

1.1.2004 - 31.12.2004

INTRODUCTION

簡介

The Insurance Agents Registration Board (IARB) is empowered

保險代理登記委員會（委員會）根據《保

by the Insurance Companies Ordinance to implement and

險公司條例》成立，負責執行《保險代理

administer the Code of Practice for the Administration of

管理守則》，透過監管保險代理的活動，維

Insurance Agents (Code). It is a joint manifestation of the

護公眾權益，體現承保商和保險代理致力

commitment on the part of both insurers and agents to build

建立消費者信心的共同承諾。

consumer confidence by ensuring that the public interest is duly protected through the regulation of the activities of insurance agents.

Precisely because of its public role, the IARB’s composition,

正正因為委員會擔當的公眾角色，其組

complaints handling procedures and decision making

成、處理投訴的步驟及審議程序必須獲公

processes have to be seen and recognized by the public to be

認為公正、專業、獨立，具公信力。

fair, professional, independent and credible.

COMPOSITION

組成

The fact that a majority of the seven-member board are non-

委員會由七名成員組成，當中大部分為其

industry professionals is due reflection of its impartiality. In the

他行業的專業人士，充分反映委員會是一

deliberation of cases, it has adopted the highest of standards,

個不偏不倚的組織。委員會採用最高準則

which precludes any conflict of interest. Should any of the fol-

審議個案，防止利益衝突。假如遇到以下

lowing situations emerge:

情況：

1. the complainant is the insurance company for which an

1. 業界委員任職的公司是個案的投訴人，或

industry member works, or 2. the complainee is currently appointed by an insurance company for which an industry member works, or 3. the member opines that the relationship between him or

的委任公司，或 3. 委員認為他與被投訴代理的關係會引致 其不能公正審理案件，

her and the complainee would render him or her unable to

為了避免利益衝突或利害關係，有關委員

adjudicate the case in a righteous manner,

必須宣表該衝突或關係。在委員會要求

in order to avoid any conflict of interests, the member concerned

下，有關委員可以就個案提供意見，但卻

must declare such conflict or relationship. He or she can be

不能參與審議及裁決。

invited by the IARB to comment on practices of the industry relating to the case and on the case itself but cannot participate in the deliberation and adjudication of the case concerned.

22

2. 業界委員任職的公司是該名被投訴代理

2004/2005 HKFI Annual Report • 年報

The IARB operates fully independently of any other function of

委員會完全獨立於保聯的其他功能，委員

the HKFI. Neither the IARB nor its secretariat reports to the

會及其秘書處均毋須向保聯的管治委員會

Governing Committee of the HKFI. There is no question of the

匯報，保聯管治委員會也不會干預委員會

Governing Committee of the HKFI interfering with the opera-

的運作。

tions of the IARB in any manner.

The impartial composition of the IARB is publicly recognized.

委員會不偏不倚的成員組合，獲得公眾認

The Chairman is a former member of the Legislative Council of

同。主席是曾經出任立法會議員19年的前

19 years’ standing and the other 6 members include a

立法會議員，其餘六位委員計有大律師、

barrister-at-law, a certified public accountant, a Consumer

會計師、消費者委員會代表，以及三位由

Council representative and three professional insurance

最具代表性的保險業團體，即一般保險總

practitioners nominated by the most representative bodies in

會、壽險總會及香港人壽保險從業員協會

the industry: the General Insurance Council, the Life Insurance

提名的專業保險從業員。各委員的知識、

Council and the Life Underwriters Association of Hong Kong.

經驗及專長足證委員會具備公信力。

Their knowledge, experience and expertise are credentials to the credibility of the IARB. In the investigation and deliberation of a case, the IARB

委員會調查和審議個案時，恪守恰當的司

adheres closely to due judicial process to ensure that both the

法程序，確保投訴人和被投訴者雙方都有

complainant and the complainee are given the opportunity to

機會就個案作出陳述。如有需要，更會進

make representations on the case concerned. Where neces-

行口頭聆訊。此外，疑點利益總是歸於被

sary, the IARB will conduct hearings. Moreover, the benefit of

投訴者。

the doubt is always given to the complainee.

The decision of the IARB is based on the evidence adduced

委員會根據涉案各方呈交的證據和提出的

and the arguments advanced by the parties concerned. It is

論據作出裁決，故此被投訴的保險代理和

therefore most important to the insurance agent being com-

其所屬保險公司必須在委員會作出裁決

plained of and his or her appointing principal to present their

前，提呈證據和最有力的論據。

evidence and arguments to the IARB before it makes a decision on the case.

23

STARTING POINT OF DISCIPLINARY ACTION 紀律行動起點

The more common types of misconduct and the corresponding starting point of disciplinary action are as follows: 較常見的違規行為和紀律行動起點如下：

Substantiated Allegation 違規類別 Use of forged documents/Forgery 行使虛假文件 / 偽造文件

3 Years/年

Misappropriation of premiums/Mishandling of premiums and personal monies 挪用保費 / 處理保費及私人款項失當

3 Years/年

Twisting of policies 誘導轉保

Obtaining property/commission by deception 以欺詐手段取得利益 / 佣金 False representation on insurance policies sold outside Hong Kong 越境非法銷售保單而作出虛假陳述

Understating disadvantages on Customer Protection Declaration Form 於《客戶保障聲明書》少報弊端

Aiding and abetting others to make false declaration and/or false representation 協助及教唆他人作出虛假聲明及 / 或虛假陳述 Effecting policy without authority 未經授權為客戶投購保險

Failure to ensure policy meets the needs of the policyholder 沒有確保保單符合保單持有人所需

Making false declaration/representation 作出虛假聲明 / 陳述 Requesting clients to sign blank/incomplete forms 要求客戶簽署空白或尚未填妥表格

Failure to deliver policy within Cooling-off Period 沒有於冷靜期內送交保單

24

Starting Point of Disciplinary Action (Period of Termination of Registration) 紀律行動起點(撤銷登記時段)

3 Years/年 3 Years/年 3 Years/年 2 Years/年

2 Years/年

1 Year/年 1 Year/年 1 Year/年 1 Year/年 Depending on the circumstances 視乎情況而定

2004/2005 HKFI Annual Report • 年報

When deciding on the disciplinary action to be taken, the IARB

委員會決定紀律行動時，會考慮違規行為

takes into account the severity of the misconduct and follows

的嚴重程度，並援引先例。對於涉及投訴

precedents. Moreover, an approach which is fair to all parties

的任何一方，包括被投訴人，委員會都會

concerned including the complainee is always adopted, which

公平對待，最佳佐證是容許違規指控成立

is demonstrated by allowing an agent against whom an alle-

的被投訴人提交寬減陳詞，以及在適當的

gation had been found substantiated to make a submission in

個案上同期執行所有處分，例如：某保險

mitigation, and by making the disciplinary actions to run con-

代理在同一宗交易中被裁定涉及多項違規

currently in appropriate cases e.g. when an insurance agent is

行為。

found guilty of several allegations arising from the same transaction.

Nine typical cases with names and dates omitted are outlined

九個具代表性的個案（姓名及日期已被刪

on pages 34 to 39.

除）詳見第34至39頁。

DIVISION OF LABOUR

分工

The registration of insurance agents is currently delegated by

登記保險代理的工作由秘書處負責，所有

the IARB to the secretariat. All applications for registration are

登記申請均由秘書處初步處理，如果申請

processed in the first instance by the secretariat. If the appli-

人符合最低資格要求，申請會在四個工作

cant fulfils the minimum qualification requirements, registra-

天內完成。只有在申請人提交的文件未能

tion is complete within 4 working days. Only when the docu-

確定他是否符合最低資格要求，或申請人

ments submitted to the secretariat by the applicant show that

涉嫌不符合適當人選準則的情況下，有關

he/she may not meet the minimum qualification requirements

申請才會呈交委員會委員審批。換言之，

or whose fitness and properness are suspect would the secre-

委員會並不參與日常處理申請的程序，只

tariat submit that application to Members of the IARB for their

有在申請人涉嫌不符合《保險代理管理守

adjudication. As such, Members of the IARB are not involved

則》要求時，不論秘書處自行發現或從外

with the routine application and administration procedures. It

界得知，才會交由各委員裁定。

is only when the applicants are involved in suspected breaches of the Code, whether as a result of complaints received from outside or detection by the secretariat, would the matter be brought before Members for decision.

This is in line with the practices of other registration and disci-

上述程序與香港其他登記及紀律機構的處

plinary bodies in Hong Kong including the Estate Agents

事方式一致，包括：地產代理監管局、香

Authority, the Law Society of Hong Kong, the Mandatory

港律師會、強制性公積金計劃管理局、證

Provident Fund Schemes Authority, the Securities and Futures

券及期貨事務監察委員會等等。

Commission, etc.

25

APPEALS AGAINST DECISIONS OF THE IARB

上訴

It is natural that some insurance agents being disciplined and

如果委員會的裁決對保險代理不利的話，

their appointing principals might disagree with those deci-

受處分的保險代理和其所屬的保險公司或

sions of the IARB which are not in favour of the complainee. In

會提出異議，這是自然不過的。為了確保

order to ensure that the interests of agents are duly protected,

這些代理的權益得到適當保障，無論是對

an agent has the right to appeal against the decision of the

裁決還是紀律行動不滿，保險代理亦有權

IARB, be it on the finding of misconduct or on the disciplinary

就委員會的裁決提出上訴。上訴裁判處

action. The Appeals Tribunal is made up of a panel of mem-

（裁判處）的成員均來自法律界和其他備受

bers coming from the legal as well as other respectable profes-

尊重的專業界別。本年度內共有62人被委

sions. During the period under review, of the 62 persons found

員會裁定不符合適當人選準則出任或繼續

to be not fit and proper to act or continue acting as insurance

出任保險代理，其中22人向裁判處提出上

agents by the IARB, 22 filed appeals to the Appeals Tribunal. In

訴，裁判處對所有上訴個案，均維持委員

all of these appeals, the Appeals Tribunal confirmed the deci-

會原來的判決（詳見第34至39頁）。

sion of the IARB (please see pages 34 to 39 for details).

NEW CODE OF PRACTICE FOR THE ADMINISTRATION OF INSURANCE AGENTS

新版《保險代理管理守則》

The sixth edition of the Code was implemented on 1 June

《保險代理管理守則》第六版已於2004年6

2004.

月1日生效。

THE CONTINUING PROFESSIONAL DEVELOPMENT PROGRAMME

持續專業培訓計劃

On 30 November 2004, the IARB issued two guidance notes

委員會於2004年11月30日就持續專業培訓

and a notice of the relevant administrative procedures on

計劃的要求，共發出兩份指引及一份有關

Compliance with the Requirements of the Continuing

行政事宜的通告。

Professional Development Programme.

26

2004/2005 HKFI Annual Report • 年報

NEW APPROACH IN DELIBERATION OF CASES

個案審理程序的變動

As from November 2004, the IARB has adopted a two-step

由2004年11月起，委員會審議個案時採納

approach in the deliberation of cases. The new approach is to

新方法，將個案分開兩個步驟處理，即委

judge the case at one meeting, and if the allegation against

員會召開會議審議個案後，假如裁定答辯

the agent concerned is found substantiated, to determine the

人違規指控成立，會容許答辯人就紀律行

disciplinary action to be taken at the next meeting pending

動提交寬減陳詞（如有者），供委員會在下

the agent’s submission in mitigation, if any.

一次會議上考慮，才就紀律行動作出議 決。

COMPLAINT AGAINST INSURANCE AGENTS NO LONGER ON THE REGISTER OF INSURANCE AGENTS

處理對前保險代理的投訴

The previous practice of the IARB was that, usually, if the per-

假如被投訴人已不再是登記代理，並拒絕

son being complained of in a complaint case was no longer a

委員會邀請就投訴答辯的話，委員會過往

registered insurance agent at the time when invited to make

的處理方法是終止跟進，並將有關資料存

representations and declined to make any representation on

檔。假如有關人士他日向委員會申請登

the complaint case, the IARB would cease to proceed on the

記，委員會會要求他 / 她就個案答辯，又

case but put the relevant information on record. Should the

除非答辯能令委員會滿意他 / 她符合適當

person concerned wish to apply for registration in some future

人選準則出任保險代理，否則委員會不會

time, the IARB would request him or her to answer the case

考慮有關申請。

concerned, and unless the IARB was satisfied that he or she was fit and proper to act as an insurance agent, the IARB would not approve the application.

Under this practice, the complainant who might have suffered

在這情況下，因代理的違規行為而利益受

from the agent’s misconduct has little or no room for redress.

損的投訴人往往申訴無門，而所謂「透過

The self-regulatory regime’s claim to be "a joint manifestation

監管保險代理的活動，維護公眾權益，體

of the commitment on the part of both insurers and agents to

現承保商和保險代理致力建立消費者信心

build consumer confidence by ensuring that the public inter-

的共同承諾」亦流於空洞。

est is duly protected through the regulation of the activities of insurance agents" sounds hollow.

27

The IARB has, during the year, decided with the concurrence of

有見及此，委員會在年度內議決，並在保

the Insurance Authority that pursuant to clauses 39 and 41 of

險業監督的同意下，根據《保險代理管理

the Code, when considering matters relevant to the fitness and

守則》第39及41條，在考慮保險代理適當

properness of an insurance agent, the interpretation of "an

人選的事宜時，將「保險代理」理解為：

insurance agent" should be "a registered insurance agent at

「在事發時為保險代理」。自2004年12月

the material time." The IARB has since December 2004, begun

起，不論被投訴的代理是否已經離開保險

to investigate and deliberate such cases regardless of whether

行業或者選擇答辯與否，委員會都會調查

the agents being complained of have left the insurance indus-

及審議這類個案。

try and whether or not they choose to make representations.

NUMBER OF REGISTRATIONS

登記數字

As at 31 December 2004, the number of registered persons

登記人士的數目在本年度內由49,176人增

increased by 2.2% from 49,176 to 50,244 (Figure 1 on page

至50,244人，增幅為2.2% （詳見第29頁圖

29). Breaking this down, the number of Individual Insurance

一）：個人保險代理由29,662人減至29,218

Agents decreased by 1.5% from 29,662 to 29,218, the num-

人，下降1.5%，業務代表則由17,541人增

ber of Technical Representatives increased by 8.5% from

至19,037人，升幅為8.5%，負責人（相等

17,541 to 19,037 and Responsible Officers, which was equiva-

於登記保險代理商）的數目亦上升0.8%，

lent to the number of registered insurance agencies,

由1,973人增至1,989人。登記人士分類（詳

increased by 0.8% from 1,973 to 1,989. Table 1 on page 29

見第29頁表一）如下：

shows the distribution of registered persons: • 62.3% or 31,346 were in both general and life insurance business;

28

• 62.3%或31,346人從事一般保險和壽險業 務；

• 27.7% or 13,931 were in life insurance business only; and

• 27.7%或13,931人只從事壽險業務；

• 10.0% or 4,967 were in general insurance business only.

• 10.0%或4,967人只從事一般保險業務。

2004/2005 HKFI Annual Report • 年報

Figure 1 圖一

Growth of Registered Persons 登記人士增長

60000

50000 46,251

46,913

50,244

49,176

46,325

Both 一般保險及壽險 General only 一般保險

40000

30000

31,068

31,141

7,627

6,231

7,556

9,541

31.12. 2000

31.12. 2001

29,972

27,073

Life only 壽險

31,346

20000

10000

4,666

4,834

4,967

14,586

14,370

13,931

31.12. 2002

31.12. 2003

31.12. 2004

0

Table 1 表一

Distribution of Registered Persons 登記人士分類 (31.12.2004)

Individual Agent 個人代理

Responsible Officer (same number as Insurance Agency) 負責人 (相等於保險代理商數目)

Technical Representative 業務代表

Total 總計

Life only 壽險

12,079

107

1,745

13,931

General only 一般保險

1,890

1,474

1,603

4,967

Both 一般保險及壽險

15,249

408

15,689

31,346

Total 總計

29,218

1,989

19,037

50,244

29

NUMBER OF CASES

個案數字

During the period under review, the IARB received 707 new

本年度內，委員會合共收到707宗書面投訴

cases in written form, which represented a decrease of 21.4%

個案，較2003年度的899宗下降21.4%，其

from 899 received during 2003. Among the 707 new cases,

中38.9%為破產個案，由481宗減少至275

38.9% were bankruptcy cases, which dropped from 481 to 275.

宗。結案個案共694宗(詳見圖二)，其中569

Of the 694 cases closed (Figure 2), 569 i.e. 82% did not require

宗(82%)毋須委員會審理，原因如下：

deliberation by the IARB because: • 167 did not have a prima facie case;

• 167宗表面證據不成立；

• 26 were outside the jurisdiction of the IARB;

• 26宗超逾委員會的職權範圍；

• 69 complainants failed to respond;

• 69位投訴人沒有回應；

• 7 were mutually settled under the auspices of the secretariat;

• 7宗在秘書處調停下雙方達成和解；

• 11 were withdrawn during the course of investigation; and

• 11位投訴人於調查期間撤銷投訴；

• 289 were ex-agents whose records were marked against

• 289位前保險代理因拒絕答辯而被記錄 在案*。

them because they failed to make representation to answer their cases*.

* 假如有關代理再次申請成為保險代理，則

* These cases will be re-activated upon application to re-join the

這些個案會被重新審理。

industry.

Figure 2 圖二

Number of Cases Closed 結案分類 (31.12.2004)

Complaints withdrawn 投訴人撤銷投訴

總數 Total: 694

11

Failure of complainants to respond 投訴人拒絕回應

69

Mutually settled under the auspices of the secretariat 經秘書處調停雙方達成和解

7

Not a prima facie case 表面證據不成立

167

Outside the jurisdiction of the IARB 超逾職權範圍

26

Records marked 記錄在案

289

Complaint substantiated/ applications for registrations rejected 投訴得直 ╱登記申請被拒

125 0

30

50

100

150

200

250

300

350

2004/2005 HKFI Annual Report • 年報

A total of 125 cases involving 113 insurance agents were

獲委員會審結的個案共125宗，涉及113名

deliberated by the IARB in addition to one case involving a

保險代理，另有一宗涉及一名新申請人被

new applicant who was found not fit and proper. Of the 113

裁定不符合適當人選準則。該113名涉案的

agents, 51 were found to satisfy the fit and proper test, 31

保險代理中， 51人被裁定符合適當人選準

were found to have allegations against them substantiated, 1

則，可繼續出任代理；被判違規指控成立

was a bankrupt as well as was found to have allegations

者有31人，1名破產人同時被裁定違規指控

against her substantiated, 30 bankrupts were found to be not

成立，因破產而不符合適當人選準則者有

fit and proper as follows:

30人。表列如下：

Acquitted /Fit & Proper 指控不成立 / Reprimanded 符合適當人選準則 書面譴責

Registration Terminated 終止登記

Total 總計

Misconduct 違規行為

11

0

29

40

Misconduct and bankruptcy 違規行為及破產

0

0

1

1

Bankruptcy 破產

33

1

29

63

Criminal/Disciplinary record 刑事 / 紀律個案

7

0

2

9

Total 總計

51

1

61

113

The nature of allegations of substantiated cases is broken

被裁定成立的指控性質分類詳見第32頁圖

down in (Figure 3 on page 32) with "false declaration/

三。其中，以「作出虛假聲明 / 陳述」為

representation" topping the list at 36.7%, followed by "bank-

數最多，佔 36.7%，其次為「破產」，佔

ruptcy" at 14.3%, "use of forged document/forgery" at 10.9%

14.3%，「行使虛假文件 / 偽造文件」佔

and "obtain property/commission by deception" at 10.9%.

10.9%，「以欺詐手段取得利益 / 佣金」亦 佔10.9%。

Two oral hearings were conducted during the year because

本年內，基於考慮兩宗個案的指控性質和

the IARB considered it necessary by reason of the nature of the

涉案各方所提呈的證據，委員會認為有必

allegations and the evidence put forward by the parties con-

要就該兩宗個案進行了口頭聆訊。

cerned.

31

Figure 3 圖三

Nature of Substantiated Cases 得直個案分類 (31.12.2004) 2.05%

2.7%

2.05% 2.7% 2.7% 36.7% 3.4% 4.1%

7.5%

10.9%

14.3%

10.9%

Making false declaration/representation 作出虛假聲明 ╱陳述 Bankruptcy 破產 Obtaining property/commission by deception 以欺詐手段取得利益 ╱佣金 Use of forged documents/Forgery 行使虛假文件 ╱偽造文件 Misappropriation of premiums/Mishandling of premiums & personal monies 挪用保費 ╱處理保費及私人款項失當 Twisting of policies 誘導轉保

32

Material lack of understanding of duties & ethical responsibility of an insurance agent 對保險代理的職責及操守嚴重缺乏認識 Requesting clients to sign blank or incomplete forms 要求客戶簽署空白或尚未填妥的表格 Aiding and abetting others to make false declaration and/or false representation 協助及教唆他人作出虛假陳述及 ╱或虛假聲明 Conducting insurance agency business without registration 未經登記而進行保險代理業務 False representation on insurance policies sold outside Hong Kong 越境非法銷售保單而作出虛假陳述 Others 其他

2004/2005 HKFI Annual Report • 年報

ACKNOWLEDGEMENT

鳴謝

I wish to extend my deepest appreciation to Board members

謹此衷心感謝委員陳永佳先生、秦鈺池先

Mr Chan Wing Kai, Mr Jackie Chun, Mr Wilson Fung, Dr Chris

生、馮英偉先生、吳翰城博士、蕭思敏先

Ng, Mr Kenny Siu and Mr Selwyn Yu for their support, dedica-

生和余承章先生鼎力支持、不辭勞苦、辛

tion and hard work. Equally, my heartfelt gratitude is due to Mr

勤工作；與此同時，謹向已經退任的劉榮

Walter Lau, Mr Bee Lee and Mr Edwin Yung who had stepped

照先生、李東江先生及容尚倫先生致以謝

down from the Board earlier in the year.

忱，多謝他們為委員會作出貢獻。

Andrew Wong, OBE, JP

主席

Chairman

黃宏發OBE太平紳士

19 February 2005

2005年2月19日

33

Case案例 1 Cross-border selling of insurance policy

越境銷售保單

An insurance agent sold a Hong Kong insurance policy in the

代理於內地向投訴人銷售一份本港保險公

Mainland and signed on the application form stating that he

司的保單，並以見證人身分在投保申請書

witnessed the signing of the application in Hong Kong. He also

上指稱自己見證投訴人在香港簽署該份投

submitted an entry proof of the applicant to the insurance

保申請書，及後更向保險公司提交入境證

company certifying that the applicant was in Hong Kong at

明文件，以向保險公司證明投訴人當日簽

the time of signing of the application form. The insurance

署投保申請書時身在香港。代理在保單繕

agent was given commission by the insurance company fol-

發後獲保險公司發放佣金。

lowing the issuance of the policy.

The arrival and departure record of the applicant issued by the

入境事務處的出入境紀錄顯示，投訴人於

Immigration Department showed that the applicant was not

投保申請書簽署當日不在香港。

in Hong Kong on the day of the signing of the application form.

In a meeting held in late 2004, the IARB found the allegations

委員會於2004年底裁定代理因越境非法銷

of false representation on insurance policies sold outside

售行為而向保險公司作出虛假陳述、行使

Hong Kong, use of forged document and obtaining commis-

虛假文件和以欺詐手段取得佣金共三項指

sion by deception substantiated and resolved to terminate the

控成立，撤銷其登記33個月，又因案件可

registration of the insurance agent for 33 months. Since the

能涉及刑事罪行，將案件轉介警方跟進。

acts might involve criminal offences, the case was reported to the Police.

Case案例 2

34

Twisting and transfer of policy to another agent

誘導轉保及將保單轉到另一位代 理名下

Insurance agent A is the agent of the complainant. After he

代理甲是投訴人的保險代理，及後他轉職

changed jobs and worked for another insurance company, he

到新保險公司，並遊說投訴人終止原有保

persuaded the complainant to terminate her existing policy

單，轉而到新保險公司投購新保單。但是

and apply for a new one with the new insurance company he

代理甲沒有向投訴人解釋轉保可能造成的

worked for. Insurance agent A asked the complainant to sign

損失，只要求投訴人在未填妥的投保申請

on an incomplete application form, on which Insurance agent

書上簽署，並在有關是否以新保單取代舊

A ticked "no" to the question regarding policy replacement

保單的問題上剔「否」，從而避免為投訴人

and no Customer Protection Declaration Form was filled. The

填寫轉保所需填寫的《客戶保障聲明書》，

2004/2005 HKFI Annual Report • 年報

complainant was, therefore, not informed of the financial

以致投訴人無法得悉轉保對自己有財務、

implication, insurability implication and claims eligibility impli-

受保資格和索償資格三方面的弊端。

cation of the replacement.

Upon receipt of the policy, the complainant found that the

投訴人發現新保單顯示的保險代理是代理

name of the agent there contained was insurance agent B,

乙，但是投訴人從來沒有見過、亦不認識

whom the complainant had never met. Insurance agent B had

代理乙，代理乙亦從來沒有向投訴人解釋

never sold or arranged the policy concerned for the complainant.

和銷售過任何保單。

In a meeting held in mid 2004, the IARB found the allegations

委員會於2004年中裁定代理甲要求投訴人

of requesting policyholders to sign blank or incomplete form,

簽署空白或未填妥的表格、誘導轉保、協

twisting, and aiding and abetting others to make false repre-

助及教唆代理乙作出虛假陳述，騙取保險

sentation against insurance agent A substantiated and

公司佣金共三項指控成立，撤銷其登記33

resolved to terminate the registration of insurance agent A for

個月。同時，委員會裁定代理乙向保險公

33 months. At the same time, the IARB found the allegation of

司作出虛假陳述，以及以欺詐手段取得佣

false representation on policy application form and obtaining

金共兩項指控成立，撤銷其登記33個月。

commission by deception against insurance agent B substantiated and resolved to terminate the registration of insurance agent B for 33 months.

Case案例 3 Misappropriation of premium

挪用保費

The complainant's policy lapsed due to insufficient fund in his

投訴人的保單因銀行戶口結餘不足，未能

bank account for direct debit. At the request of the agent, the

自動轉賬繳交保費而斷保。投訴人及後應

complainant deposited the premium monthly to the bank

代理的要求，每月將保費存入代理的私人

account of the agent, who promised to arrange premium pay-

戶口，由代理替投訴人繳交保費。

ment to the insurance company.

However, the agent did not submit the premium to the

但是代理沒有將投訴人的保費交回保險公

insurance company.

司。

In a meeting held in late 2004, the IARB found the allegations

委員會於2004年底裁定代理挪用保費的指

of misappropriate of premium substantiated and resolved to

控成立，撤銷其登記33個月，又因案件可

terminate the registration of the insurance agent for 33

能有刑事成分，故將案件轉介警方跟進。

months. Since the act might be of a criminal nature, the case was reported to the Police.

35

Case案例 4 Use of forged document and effecting insurance policy without authority

行使虛假文件及未經授權為客戶 投購保單

The complainant was notified by an insurance company that

投訴人沒有向保險公司投購保單，卻獲保

his application for insurance was accepted. Nevertheless, he

險公司通知其申請的保單已被接納。

had never applied for any policy with this company.

Upon receipt of the policy document, the complainant found

投保人收到保單後，發現其中一位受益人

that one of the named beneficiaries was the agent of the poli-

是涉案代理，保單並註明涉案代理與投訴

cy and their relationship was allegedly stated as cousins even

人的關係是表兄弟，但是投訴人與代理並

though they had no blood relation at all. The complainant further

沒有親戚關係；投訴人更發現投保申請書

found out that his signature on the application form was forged.

上的簽名並非他本人親筆簽署。

In a meeting held in early 2005, the IARB found the allegations

委員會於2005年初裁定代理行使虛假文

of use of forged document and effecting insurance policy

件，以及未經授權為客戶投購保單的指控

without authority substantiated and resolved to terminate the

成立，撤銷其登記33個月，又因案件可能

registration of the insurance agent for 33 months. Since the

涉及刑事罪行，將案件轉介警方跟進。

acts might involve criminal offences, the case was reported to the Police.

Case案例 5

36

Has been a controller, a director, an officer or a senior manager of a corporation that has become insolvent

保險代理登記申請人曾經出任無 力償還債務公司的控權人、董 事、高級行政人員或高級經理

An applicant declared that he used to own and invested over

一名保險代理登記申請人向委員會申報自

HK$5 million in a building material company, which ended up

己曾經經營一家建材公司，期間先後投資

insolvent due to cash flow problems during the Asian financial

超過港幣500萬元，但最終該公司在金融風

crisis.

暴期間因為周轉不靈，最終申請清盤。

The Applicant submitted objective documentary evidence to

申請人提交客觀文件，證明自己的陳述真

substantiate his representation.

確。

In a meeting held in late 2004, the IARB believed that the com-

委員會於2004年底審議該個案，委員會相

pany was liquidated solely because of mis-management. As

信該公司純粹因為經營不善而致清盤，故

such, it decided that the applicant was fit and proper to act as

此認為申請人符合適當人選準則出任保險

an insurance agent.

代理。

2004/2005 HKFI Annual Report • 年報

Case案例 6 False declaration on application for registration form

在保險代理登記申請表上作出虛 假聲明

An insurance agent did not disclose the fact that he had been a controller, a director of a company that had become insolvent when he applied for registration as an insurance agent.

代理在向委員會申請登記時，沒有如實申

The insurance agent contended that the company was actually run by his brother, who requested him to be one of the company directors. While he was aware of the liquidation of the company but did not think it was necessary to declare to the IARB because he was never involved in the operation of the company.

代理指有關公司是其弟開立的，他只是應

In a meeting held in late 2004, the IARB found the allegation of false declaration on agent registration form substantiated and resolved to terminate the registration of the insurance agent for 12 months.

委員會於2004年底裁定代理作出虛假聲明

報自己曾在已經宣布破產的公司出任董事 一職。

其弟的要求加入成為董事，又指雖然清楚 知道有關公司被頒令清盤，但因自己從來 沒有參與有關公司的事務，故此認為無必 要向委員會申報。

的指控成立，撤銷其登記1年。

Case案例 7 Insurance Agent declared bankrupt but found to be fit and proper to continue acting as an insurance agent

保險代理被裁定破產，但不致令 其不符合適當人選準則繼續出任 保險代理

A couple bought a piece of property in 1997 as their own residence. Owing to the economy downturn, the price of their property dropped by 70%. For the same reason, their catering business was also adversely affected and further deteriorated because of the SARS outbreak. They found it impossible to make ends meet.

代理於1997年與丈夫共同購入一所物業作

The wife registered as an insurance agent in 2003 but their financial situation did not improve. She started advancing cash from credit cards to pay for living expenses and declared bankrupt in the subsequent year.

代理於2003年加入保險業，但仍然無法改

The insurance agent declared her bankruptcy to the IARB and promised to reduce her living expenses to a minimum while using the rest of her income to repay the debts.

代理主動向委員會申報破產事宜，同時承

After deliberation in late 2004, the IARB found the bankruptcy of the insurance agent did not render her not fit and proper to continue acting as an insurance agent.

委員會於2004年底裁決代理所涉之破產事

為婚後居所，但樓價於購入後數年間下跌 70％，夫婦貳人經營的食品生意亦日漸衰 落，加上「沙士」來臨，生意更加不景， 家庭收入不足以應付樓宇按揭供款和各項 開支。

善家庭經濟狀況，不得不以信用卡貸款應 付基本生活開支，一年後終於申請破產。

諾會將生活費用減至最基本，餘額用來償 還債務。

宜不足以令其不符合適當人選準則繼續出 任保險代理。

37

Case案例 8 Insurance Agent declared bankrupt and found not fit and proper to continue acting as an insurance agent

保險代理被裁定破產，以致不符合 適當人選準則繼續出任保險代理

An insurance agent and his friend bought two pieces of

代理在沒有供款能力的情況下，於1997年

property in 1997 even though they were financially unsound.

與友人合資以高價購入兩所物業，翌年開

He began borrowing money at high interest rates to pay for

始以高息借貸作供樓之用，負債不斷滾

the mortgage. His debts snowballed and was finally declared

存，直至2003年被裁定破產。

bankrupt in 2003.

The IARB found the insurance agent's engagement in the

委員會認為代理在沒有經濟能力的情況

property market an irresponsible speculative activity. The

下，以借貸形式從事高風險投資，是不負

insurance agent did not reduce his living expenditure to a

責任及有賭博意味的投機活動；他同時購

minimum. On the contrary, he had overstated his monthly

入兩所物業，實有投機炒賣之嫌；而且他

expenditure in his declaration to the Official Receiver's Office,

不但沒有將生活水平降低至最基本，減少

revealing that he had no intention to repay his debts.

支出以減低債務，反而向破產管理署誇大 每月開支數目，顯示其極不負責任，根本 沒有還款意圖。

At its meeting held in mid 2004, the IARB found the insurance

委員會於2004年中裁定代理不符合適當人

agent not fit and proper to continue acting as an insurance agent.

選準則繼續出任保險代理。

Case案例 9

38

An applicant declared having been convicted of criminal offence

保險代理登記申請人曾經被判犯刑 事罪行，以致不符合適當人選準則 出任保險代理

An applicant was given a seven-day jail sentence suspended

一名保險代理登記申請人曾因刑事毀壞被

for two years for criminal damage. In addition, he was ordered

法庭判裁定監禁7天，緩刑兩年執行，以及

to indemnify the affected party the repair cost of HK$13,000.

賠償事主修理費用，總值港幣13,000元。

A few years later, the applicant was fined HK$800 after being

數年後，他又因在便利店盜竊一瓶價值港

convicted of stealing a bottle of soft drink at the price of

幣 1 3 .5 元 的 汽 水 ， 被 法 庭 判 處 罰 款 港 幣

HK$13.5 from a convenience store.

800元。

2004/2005 HKFI Annual Report • 年報

The IARB found his act of criminal damage irresponsible.

委員會議決，該申請人的「刑事毀壞」是

However, it did not render him not fit and proper to act as an

不負責任的行為，但不致令他不符合適當

insurance agent. On the other hand, the theft of soft drink was

人選準則出任保險代理；但他盜竊汽水的

not only irresponsible but also an reflection of his greed.

行為，不單是不負責任，更反映他貪婪的

Considering that insurance agent has to, inevitably, handle

本性。委員會認為保險代理難免要處理客

premiums in cash sometimes in large amounts, the IARB sus-

戶的現金保費甚至大額的現金保費，因此

pected that character of the applicant could adversely affect

質疑申請人的本性會對其執行保險代理的

his ability to carry out his duty as an insurance agent.

職責構成不良影響。

In the meeting held in mid 2004, the IARB found the applicant

委員會於2004年中裁定該申請人不符合適

not fit and proper to act as an insurance agent and would not

當人選準則出任保險代理，一年內不考慮

consider his application again within a year. Should the appli-

他的保險代理登記申請；若他日後再提出

cant wish to apply for registration in the future, he must prove

登記申請，則必須向委員會證明他期間沒

that he had not transgressed the law since.

有再違法。

39

Report of the Appeals Tribunal 上訴裁判處報告

According to Clause 35(c) of the Code of Practice for the

《保險代理管理守則》第35(c) 款規定，任

Administration of Insurance Agents, any insurance agent who is

何因保險代理登記委員會（委員會）的裁

adversely affected by a decision of the Insurance Agents

決而受損的保險代理，都可向上訴裁判處

Registration Board (IARB) may appeal to the Appeals Tribunal.

（裁判處）上訴。但是無論有關人士已經提

However, the IARB's decision shall take effect immediately

出上訴，或者將會上訴，委員會的裁決都

notwithstanding that an appeal has been or may be made.

即時生效。

The Appeals Tribunal has 13 members. Eight of them are from

裁判處共有13位委員，其中八位來自法律

the legal profession, comprising five barristers and three solici-

界，分別為五位大律師和三位律師；其餘

tors. The remaining five include professionals from the

五位委員包括來自會計界和消費者委員會

accountancy and the Consumer Council. A Panel of three

的專業人士。每宗上訴個案都會交由三位

Tribunal members, whose Chairman is a lawyer, deals with

委員負責審理，主席則必須是來自法律界

each appeal.

的委員。

The proceedings of the Appeals Tribunal are governed by the

裁判處按《上訴裁判處訴訟程序規則》審

Appeals Tribunal Proceedings Rules. After thorough considera-

理上訴個案，經周詳考慮後，可作出下列

tion, a Panel may:

裁決：

i)

i)

dismiss an appeal without a hearing if it is of the view that the grounds for the appeal are not supported; or

ii) make a ruling without a hearing if it is of the view that the appeal ought to be allowed; or iii) fix a hearing if it is of the view that a hearing is required.

40

1.1.2004 - 31.12.2004

認為上訴理據不足，毋須聆訊，駁回上 訴；或

ii) 認為上訴理據充足，毋須聆訊，判上訴 人得直；或 iii) 認為需要進行聆訊，並訂出聆訊日期。

2004/2005 HKFI Annual Report • 年報

The Appeals Tribunal may confirm, vary or reverse the IARB's

裁判處可維持、改變或推翻委員會的決

decision being appealed or substitute such other decision as it

定；又假如裁判處認為合適，也可以其他

thinks fit. Moreover, the decision of the Appeals Tribunal is

裁決取而代之，裁判處的裁決乃最終的決

final.

定。

During the period under review, the Appeals Tribunal received

年度內裁判處共接獲19宗上訴個案，兩位

a total of 19 applications for appeals. Two appellants failed to

上訴人沒有按照裁判處的基本要求提出上

submit their appeals in accordance with the basic require-

訴，故此個案不獲受理。其餘17宗受理個

ments and their appeals were not entertained. The nature of

案的性質分類如下：

the 17 accepted appeals was varied: - 8 for use of forged documents/forgery

- 8 宗涉及代理行使虛假文件 / 偽造文件；

- 6 for misrepresentation;

- 6 宗涉及誤導客戶；

- 2 were bankrupt;

- 2 宗涉及代理破產；

- 1 for allowing non-registered agents to conduct insurance

- 1 宗涉及代表容許非登記人士進行保險代

agency business.

理業務。

All the 17 appeals were dismissed pursuant to 8(2) of the

由於17宗上訴個案的理據不足，故此裁判

Appeals Tribunal Proceedings Rules in that the grounds of the

處根據《上訴裁判處訴訟程序規則》第8條

appeal were not supported.

(2)款的規定，駁回所有上訴。

41

Corporate Structure 組織架構

42

2004/2005 HKFI Annual Report • 年報

14.5.2004 - 29.4.2005

43

List of Office-bearers 委員名錄

Mr K P Chan, Chairman

14.5.2004 - 29.4.2005

主席 陳健波先生

Mr Chan is currently the Chairman of

陳健波先生現任香港保險業聯會主席、保

the Hong Kong Federation of Insurers,

險公司（僱員補償）無力償債管理局主

the Employees Compensation Insurer

席、平機會討論文件專責小組主席，以及

Insolvency Bureau, the Task Force on

僱員補償保險專責小組委員。陳先生自

EOC Discussion Paper, as well as a

2001年起出任香港保險業聯會管治委員會

member of Task Force on Employees

委員、自1995年起出任一般保險總會委

Compensation. He has been a mem-

員、並於2001/2002年度當選一般保險總會

ber of the Governing Committee for

主席。他由2003年5月起出任保險索償投訴

the Hong Kong Federation of Insurers since 2001, a Councillor

局理事，並自1995年起擔任保險索償投訴

of the General Insurance Council for nine years since 1995 and

局名譽顧問。

was elected Chairman for 2001/2002. He has been a General Committee member of the Insurance Claims Complaints Bureau since May 2003 and has served as an Honorary Secretary of the Insurance Claims Complaints Bureau since 1995.

Mr Chan has been appointed by the Hong Kong International

陳先生自1999年擔任香港國際仲裁中心委

Arbitration Centre (HKIAC) as a Council Member since 1999

員，於1998至2001年間為香港國際仲裁中

and from 1998 to 2001, he also served the HKIAC as an

心諮詢會委員；現任香港華商保險公會董

Advisory Committee Member. He is a Director and the

事及秘書，並曾於1998 及1999年出任該會

Honorary Secretary of the Chinese Insurance Association of

主席。陳先生亦為2002-2004年度東亞保險

Hong Kong Limited, having served as its Chairman in 1998 and

大會執行委員會委員。

1999. He is also an Executive Board Member of the East Asian Insurance Congress for the term 2002 - 2004.

Mr Chan is currently serving the HKSAR Government as a

陳先生獲香港特區政府委任為保險業諮詢

member of the Insurance Advisory Committee, a member of

委員會委員、僱員補償援助基金管理局委

the Employees Compensation Assistance Fund Board, a mem-

員、行政上訴委員會委員、旅行代理商諮

ber of the Administrative Appeals Board, and a member of the

詢委員會委員、健康與醫療發展諮詢委員

Advisory Committee on Travel Agents, a member of the Health

會委員，以及強積金計劃諮詢委員會委

and Medical Development Advisory Committee and a member

員。自1998年起，陳先生獲選為香港特區

of the MPF Schemes Advisory Committee. Since 1998, he has

立法會選舉委員會界別分組（保險界）委

been a member of the Election Committee (Insurance) for the

員，現時亦為環境運輸及工務局轄下臨時

Legislative Council of the HKSAR. He is a co-opted member of

建造業統籌委員會設立的建築工地安全及

the Working Group on Construction Site Safety and Employees

僱員補償保險工作小組客席委員。

Compensation Insurance set up by the Provisional Construction Industr y Co-ordination Board of the Environment, Transport and Works Bureau.

44

2004/2005 HKFI Annual Report • 年報

Apart from being an Assistant General Manager and the Head of Insurance Group of Hang Seng Bank, responsible for the

務主管，掌管一般保險、壽險、強制性公

Bank's general insurance, life insurance and MPF businesses, Mr Chan is also the Director and General Manager of Hang Seng Insurance Company Limited and a Director of Hang Seng

事。陳先生乃英國特許承保人及英國特許

Life Limited. He is a Chartered Insurer and an Associate of the

保險學院院士。

Chartered Insurance Institute of the UK (ACII).

Mr Roddy S Anderson, Deputy Chairman

副主席 安德生先生

Mr Anderson is the Deputy Chairman

安德生先生現任香港保險業聯會副主席和

of the Hong Kong Federation of

醫護改革專責小組主席，自1997年起一直

Insurers and Chairman of Task Force

出任保聯管治委員會委員和壽險總會委

on Healthcare Reform in 2004/2005.

員，曾任2003/2004年度平機會討論文件專

He has been a member of the

責小組副主席、2000/2001年度壽險總會主

Governing Committee of the HKFI and

席，自1997年起代表壽險總會出任職業訓

a Councillor of the Life Insurance

練局保險訓練委員會委員，歷任保險索償

Council since 1997 and was the

投訴局名譽顧問，自2001年起當選保險索

Deputy Chairman of the Task Force on EOC Discussion Paper

投訴局主席。

for the term 2003/2004. He was the 2000/2001 Chairman of the Life Insurance Council. He has also represented the Life Insurance Council on the Insurance Training Board of the Vocational Training Council since 1997. Having served as an Honorary Secretary of the Insurance Claims Complaints Bureau for a number of years, he is elected Chairman since 2001.

Mr Anderson came to Hong Kong in 1993. Being an Executive

安先生於1993年來港，現為大新保險有限

Director of Dah Sing General Insurance Company Limited and

公司董事、上市公司大新金融集團執行董

Dah Sing Financial Holdings Limited, which is quoted on the

事、大新金融集團轄下大新人壽保險有限

Hong Kong Stock Exchange, Mr Anderson is the Vice Chairman

公司的副董事長，曾於柏克萊銀行於英國

of Dah Sing Life Assurance Company Limited, which is part of

及歐洲的金融服務部擔任多項要職，並一

the Dah Sing Financial Group. Prior to this, he held various senior

直致力研究成功發展銀行保險業務的概

positions in the financial services divisions of Barclays Bank in

念。

the UK and Europe, and has spent the majority of his working career successfully developing the concept of bancassurance.

He qualified as a Fellow of the Institute of Actuaries of England

安先生於1974年取得英國精算師學會會員

(FIA) in 1974 and holds a Bachelor of Science degree in mathe-

資格，早年於蘇格蘭Aberdeen大學主修數

matics from the University of Aberdeen in Scotland.

學，取得理科學士銜。

45

Mr Raymond P K CHAN

陳炳根先生

Mr Chan is currently a member of the

陳炳根先生現任香港保險業聯會管治委員

Governing Committee of the Hong

會委員和壽險總會副主席，自2003年起一

Kong Federation of Insurers and

直擔任壽險總會轄下人壽風險管理工作小

Deputy Chairman of the Life Insurance

組主席。

Council.

He has also been the

Chairman of the Life Risk Management Working Group under the Life Insurance Council since 2003.

Mr Chan is the Managing Director of Pacific Century Insurance

現任盈科保險集團董事總經理，陳先生持

Holdings Limited. He is a Fellow of the Life Management

有美國壽險管理學會會士資格，在亞太區

Institute (FLMI) and has 30 years of experience in the insurance

從事保險業務凡30年，曾在香港、澳洲及

industry in the Asia Pacific Region including Hong Kong,

中國內地工作。在2003年3月加入盈科保險

Australia and the Mainland China. Prior to joining the

之前，曾任以上海為總部的中宏人壽保險

Company in March 2003, he was the General Manager of Manulife-Sinochem Life Insurance Company Limited which

國友邦保險（百慕達）有限公司等身居要

headquartered in Shanghai. Mr Chan had held senior posi-

職。陳先生在核保及理賠、市場推廣、產

tions at National Mutual and American International Assurance

品開發、金融、系統與程序、人力資源、

Company (Bermuda) Limited before joining Manulife. Mr

營銷管理及一般管理等多個範疇，累積豐

Chan's extensive experience covers a wide spectrum of aspects

富經驗。

including underwriting and claims, marketing, product development, finance, systems and procedures, human resources, agency management and general management.

Mr Chan graduated from the Hong Kong Baptist College

陳先生畢業於香港浸會學院（現稱「香港

(presently known as Hong Kong Baptist University) majoring

浸會大學」），主修工商管理。

in Business Administration.

46

2004/2005 HKFI Annual Report • 年報

Mr Jackie Y C Chun

秦鈺池先生

Mr Chun is a member of the

秦鈺池先生現任香港保險業聯會管治委員

Governing Committee of the Hong

會委員、一般保險總會委員、僱員補償保

Kong Federation of Insurers, General

險專責小組委員、保險代理登記委員會委

Insurance Council, Task Force on

員，曾於2003/2004年度出任一般保險總會

Employees Compensation and the

主席、研究僱員補償賠款專責小組主席，

Insurance Agents Registration Board.

以及再保險協會副召集人。

He was the Chairman of the General Insurance Council and the Task Force on Employees Compensation Claim Award Study, Deputy Convenor of Reinsurers' Forum in 2003/2004.

Nominated by the General Insurance Council, he serves on the

除了獲一般保險總會提名出任教育統籌局

Skills Upgrading Scheme of the Education and Manpower

轄下保險業技能提升計劃行業小組委員、

Bureau. He also represents the Council on the Appointment

香港國際仲裁中心轄下的委任諮詢委員會

Advisory Board and the Advisory Council of the Hong Kong

和諮詢會委員外，秦先生並於1998至2003

International Arbitration Centre and serves on the Financial

年間出任香港貿易發展局金融服務業諮詢

Services Advisor y Committee of Hong Kong Trade

委員會委員。

Development Council from 1998 to 2003.

Mr Chun has been actively engaged in industry related works

秦先生多年來一直積極參與有關保險業的

for years and has served as the Chairman of the Insurance

工作，歷任香港保險學會主席、保險從業

Institute of Hong Kong, the Chinese Underwriters Club and the

華員會會長、香港保險協會會長，以及香

Hong Kong Insurers Club. He is the Vice President of the Hong

港保險師公會副會長；並於2000年獲選為

Kong Society of Certified Insurance Practitioners. In 2000, he

香港特區立法會選舉委員會界別分組（保

was elected a member of the 12 insurance representatives to

險界）12 位委員之一。

the Election Committee (Insurance) for the Legislative Council of the HKSAR. Mr Chun is currently the General Manager of Gen Re Hong

秦先生現任德國科隆再保險公司香港分公

Kong branch office. He has more than 30 years of insurance

司總經理，具有超過30年本港及海外的保

and reinsurance experiences in Hong Kong and abroad. He

險和再保險經驗，為英國特許保險學院院

qualifies as a Fellow of the Chartered Insurance Institute of the

士、英國特許承保人，以及澳大利亞及新

UK (FCII), a Chartered Insurer and Fellow of the Australian and

西蘭保險與金融學會資深準會員，並於英

New Zealand Institute of Insurance and Finance [ANZIIF

國取得管理碩士銜及英國仲裁學會會員。

(Fellow)]. Mr Chun holds a MBA degree from a UK university and is an associate member of the Chartered Institute of Arbitrators of the UK.

47

葉康民先生

Mr Richard H M Ip Mr Ip is the Chairman of the Life

葉康民先生現任壽險總會主席、香港保險

Insurance Council, a member of the

業聯會管治委員會委員、保單持有人保障

Governing Committee and Task Force

基金專責小組委員，以及保監轄下保險中

on Policyholders' Protection Funds of

介人素質保證計劃督導委員會會員，於

the Hong Kong Federation of Insurers.

2000至2004年擔任精算工作小組主席，曾

He has served as a member of the IIQAS

任2003/2004年度壽險總會副主席，以及

Steering Committee of the Insurance

1996年香港精算學會會長。

Authority. He was the Chairman of the Actuarial Working Group between 2000 and 2004, the 2003/2004 Deputy Chairman of the Life Insurance Council and the President of the Actuarial Society of Hong Kong in 1996.

Mr Ip is the Assistant General Manager of the American

葉先生現任美國友邦保險（百慕達）有限

International Assurance Company (Bermuda) Limited. He has

公司助理總經理，擁有超過20年壽險業務

more than 20 years experience in life insurance industry and

經驗，於1987年取得美國精算師公會會員

has obtained the qualification as Fellow of the Society of

資格。

Actuaries of USA (FSA) in 1987.

林啟富先生

Mr Keith B Land Mr Land is the Chairman of the

林啟富先生現任一般保險總會主席、僱員

General Insurance Council and the

補償保險專責小組主席和香港保險業聯會

Task

Employees

管治委員會委員，曾任2003/2004年度一般

Compensation, and a member of the

保險總會副主席、保險公司（僱員補償）

Force

on

Governing Committee of the Hong

無力償債管理局委員、僱員補償-修訂職業

Kong Federation of Insurers for the

病保障定義專責小組主席、保單持有人保

He was the

障基金專責小組委員、研究僱員補償賠款

2003/2004 Deputy Chairman of the

專責小組委員、香港汽車保險局主席，以

General Insurance Council, a Council member of the Employee

及2001/2002年度檢討僱員補償制度專責小

Compensation Insurer Insolvency Bureau, Chairman of the

組主席。

term 2004/2005.

Task Force on Employees Compensation - Amended Definition of Occupational Disease Cover, as well as a member of the Task Force on Policyholders' Protection Funds and the Task Force on Employees Compensation Claim Award Study. He was also the 2003/2004 Chairman of the Motor Insurers' Bureau of Hong Kong, the Chairman of the Task Force on Employees' Compensation Review for the term 2001/2002.

48

2004/2005 HKFI Annual Report • 年報

Mr Land is the Managing Director of Royal & Sun Alliance

現任皇家太陽聯合保險（香港）有限公司

Insurance (Hong Kong) Limited and CEO of Royal & Sun

香港區董事總經理兼中國區行政總裁，林

Alliance's China Operation. He has more than 25 years of gen-

先生在英國和亞洲從事一般保險業逾 25

eral insurance experience in the UK and Asia. Prior to joining

年，來港之前，林先生曾於皇家太陽聯合

the Hong Kong operation, Mr Land held various management

保險集團英國和印度辦事處出任多項要

positions for Royal & Sun Alliance Group plc in UK and India.

職。

Mr Land holds a MBA degree from the Open University in the

林先生持有英國公開大學工商管理碩士學

UK and is a Chartered Insurer and Fellow of the Chartered

位、英國特許承保人及英國特許保險學院

Insurance Institute in the UK (FCII).

資深院士。

Mr Edward W K Lau

劉允剛先生

Mr Lau was Chairman of the Hong

劉允剛先生曾任2003/2004年度香港保險業

Kong Federation of Insurers in

聯會主席和2002/2003年度保單持有人保障

2003/2004 and Chairman of the

基金專責小組主席，歷任壽險總會多項要

Retirement Scheme Working Group in

職，包括1998/1999年度出任主席。劉先生

2002/2003. He has also held various

現任香港按揭證券有限公司董事局成員、

positions within the Life Insurance

保險索償投訴委員會委員和保險業監督保

Council, including Chairman of the

險中介人素質保證計劃督導委員會委員。

Council in 1998/1999. Also, he sits on the Board of Directors of the Hong Kong Mortgage Corporate Limited and is a member of the Insurance Claims Complaints Panel and IIQAS Steering Committee of the Insurance Authority.

Mr Lau has had 25 years of experience in the insurance indus-

劉先生在香港和加拿大從事保險業25年，

try in Hong Kong and Canada. He is Executive Vice President,

現任宏利金融亞洲區行政副總裁，掌管宏

Asia Regional Operations, Manulife Financial, with responsibili-

利於香港及菲律賓的業務，同時亦負責多

ties for Manulife's operations in Hong Kong and the

個跨亞洲區的發展項目。劉氏兼任宏利人

Philippines and leads on a number of cross-divisional projects.

壽保險（國際）有限公司總裁兼首席行政

In addition, Mr Lau is President and Chief Executive Officer of

總監，亦為宏利慈善基金主席及宏利資產

MIL, Chairman of the Manulife Charitable Foundation, a mem-

管理（香港）有限公司董事。宏利資產管

ber of the Board of Manulife Asset Management (Hong Kong)

理（香港）有限公司是根據香港證券條例

Limited and a member of the Investment Committee of MIL.

註冊的證券投資顧問及交易商。劉氏並為 宏利人壽保險（國際）有限公司投資委員 會成員。

Mr Lau holds a Bachelor of Computer Science degree from

劉先生分別於加拿大Concordia 大學及York

Concordia University and an MBA degree from York University,

大學取得電腦科學學士及工商管理學碩士

both in Canada.

學位。

49

Mr Terry K W Lo

老建榮先生

Mr Lo is a member of the Governing

老建榮先生現任香港保險業聯會管治委員

Committee of the Hong Kong

會委員、壽險總會委員、壽險總會轄下的

Federation of Insurers, Life Insurance

專業水平工作小組委員和退休保障計劃工

Council, the Professional Standards

作小組委員。老先生曾任2003/2004年度壽

Working Group and Retirement

險總會主席、2002/2003年度任保聯管治委

Schemes Working Group under the

員會轄下的專業水平小組委員會副主席、

Life Insurance Council. Previously, he

壽險總會轄下的2002/2003年度專業水平工

was the Chairman of the Life Insurance

作小組主席、2001/2002年度人壽風險管理

Council in 2003/2004, the Deputy Chairman of the

工作小組主席，以及香港精算學會委員及

Professional Standards Sub-committee under the HKFI

司庫。

Governing Committee, the 2002/2003 Chairman of the Professional Standards Working Group, and the 2001/2002 Chairman of the Life Risk Management Working Group of the Life Insurance Council. He also served as a Councillor and the Treasurer of the Actuarial Society of Hong Kong.

Mr Lo is the Chief Executive and Director of two Hong Kong life insurers, namely HSBC Life (International) Limited and Hang Seng Life Limited. He has more than 22 years experience in

險公司的行政總裁及董事。老先生從事保

insurance industry and has obtained the qualification of an

險業務超過22年，於1988年取得精算師資

actuary in 1988. In 1994, he joined HSBC Life (International)

格，1994

Limited as Chief Financial Officer.

限公司任職財務總監。

Mr Leo C H Ma

馬陳鏗先生 Mr Ma is currently a Governing

馬陳鏗先生現任香港保險業聯會管治委員

Committee member of the Hong Kong

會委員，自1998年度起出任一般保險總會

Federation of Insurers. He has been a

委員，現任一般保險總會副主席，以及代

Councillor of the General Insurance

表一般保險總會出任職業訓練局訓練委員

Council since 1998 and was the

會委員。

Deputy Chairman of the General Insurance Council for the term of 2004/2005. Mr Ma also represents the Council on the Vocational Training Council.

50

Mr Ma was appointed as the General Manager of General

於2000年1月獲出任英國保誠保險有限公司

Insurance and Employee Benefits of the Prudential Assurance

一般保險及僱員福利部總經理一職，馬先

Company Limited in January 2000, which responsible for the

生專責拓展英國保誠於香港的一般保險及

development of competitive and balanced general insurance

僱員福利業務，同時統籌英國保誠夥拍中

2004/2005 HKFI Annual Report • 年報

and the employee benefits portfolio of Prudential's Hong

銀國際合作發展之強制性公積金業務。

Kong operation. At the same time, he is also responsible for business development of the Mandatory Provident Fund business in partnership with BOCI-Prudential.

Mr Ma, a graduate from the Chinese University of Hong Kong

馬先生畢業於香港中文大學，為英國特許

and Fellow of the Chartered Insurance Institute (FCII), has over

保險學院資深院士，擁有逾27年保險經

27 years of insurance experience and has worked in various

驗，曾於香港及加拿大多家保險及再保險

capacities in a number of insurance and reinsurance organiza-

公司擔任要職。

tions, both in Hong Kong and Canada.

施瀚霖先生

Mr Peter E Schelling Mr Schelling is currently a member of

施瀚霖先生現任香港保險業聯會管治委員

Governing Committee of the Hong

會委員和一般保險總會委員。施先生於

Kong Federation of Insurers and

2000年起一直出任一般保險總會委員，並

General Insurance Council.

曾於2001至2003年間，出任檢討僱員補償

Mr

Schelling has been a Councillor of the

援助計劃專責小組委員。

General Insurance Council since 2000 and a member of the Task Force on the Review of the Employees Compensation Assistance Scheme from 2001 to 2003.

Mr Schelling is the Managing Director and CEO of Zurich

施先生現任蘇黎世保險集團（香港）董事

Insurance Group (Hong Kong). With almost 20 years of interna-

總經理兼行政總裁，於1985年加入蘇黎世

tional and Asian insurance experience, Mr Schelling joined

金融服務集團，憑藉近20年國際及亞洲保

Zurich Financial Services Group in 1985. Since then, he has

險經驗，先後出任德國、瑞士、澳洲、印

taken up different impor tant positions in Germany,

尼及香港等多個地區辦事處的重要職位。

Switzerland, Australia, Indonesia and Hong Kong. Mr Schelling

施先生於1994年成為印尼蘇黎世集團的行

has been the CEO of Zurich Group Indonesia for over four

政總裁，並於1999年正式出任蘇黎世保險

years since 1994 before he was appointed as the CEO of Zurich

集團（香港）（前「鷹星保險集團」）的行

Insurance Group (Hong Kong) (formerly "Eagle Star Insurance

政總裁。

Group") in 1999.

Mr Schelling had also served on various insurance and busi-

施先生積極參與各項公職服務，先後出任

ness associations, to name but a few, they included the Law

多個保險業組織及商務機構的委員，包

Reform Commission of Hong Kong, Employees Compensation

括：香港法律改革委員會、保險公司（僱

Insurer Insolvency Bureau, LIMRA Hong Kong Executive Board,

員補償）無力償債管理局、LIMRA香港區執

Swiss Insurance Association, Indonesian Insurance Round

行委員會、瑞士保險業協會、印尼保險圓

Table, Indonesian Re-Insurance Round Table, Australian Swiss

桌會、印尼再保險圓桌會、澳洲瑞士商

Business Association, Indonesian-Swiss Business Association

會、印尼瑞士商會和印尼瑞士商業協會。

and Indonesian-Swiss Business Council.

51

52

GOVERNING COMMITTEE

管治委員會

Chairman

主席

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Deputy Chairman

副主席

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

Members

委員

Mr Raymond P K Chan Pacific Century Insurance Company Limited

陳炳根先生 盈科保險有限公司

Mr Jackie Y C Chun Cologne Reinsurance Company plc

秦鈺池先生 德國科隆再保險公司

Mr Richard H M Ip American International Assurance Company (Bermuda) Limited

葉康民先生 美國友邦保險（百慕達）有限公司

Mr Keith B Land Royal & Sun Alliance Insurance (Hong Kong) Limited

林啟富先生 皇家太陽聯合保險（香港）有限公司

Mr Edward W K Lau Manulife (International) Limited

劉允剛先生 宏利人壽保險（國際）有限公司

Mr Terry K W Lo HSBC Life (International) Limited

老建榮先生

Mr Leo C H Ma The Prudential Assurance Company Limited

馬陳鏗先生 英國保誠保險有限公司

Mr Peter E Schelling Zurich Insurance Company

施瀚霖先生 蘇黎世保險

TASK FORCE ON EOC DISCUSSION PAPER

平機會討論文件專責小組

Chairman

主席

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Deputy Chairman

副主席

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

2004/2005 HKFI Annual Report • 年報

TASK FORCE ON FIVE-YEAR STRATEGIC PLAN

五年策略規劃專責小組

Chairman

主席

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Members

委員

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

Mr Richard H M Ip American International Assurance Company (Bermuda) Limited

葉康民先生 美國友邦保險（百慕達）有限公司

Mr Keith B Land Royal & Sun Alliance Insurance (Hong Kong) Limited

林啟富先生 皇家太陽聯合保險（香港）有限公司

TASK FORCE ON HEALTHCARE REFORM

醫護改革專責小組

Chairman

主席

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

Members

委員

Ms Elaine S H Chan American International Assurance Company (Bermuda) Limited

陳秀荷女士 美國友邦保險（百慕達）有限公司

Mr K W Cheng Pacific Century Insurance Company Limited

鄭冠榮先生 盈科保險有限公司

Ms Manlo Cheung Blue Cross (Asia-Pacific) Insurance Limited

張文璐女士 藍十字（亞太）保險有限公司

Ms Agnes K H Ho HSBC Medical Insurance Limited

何錦霞女士

Mr Michael E Huddart Manulife (International) Limited

何達德先生 宏利人壽保險（國際）有限公司

Mr Arthur Koo American International Assurance Company (Bermuda) Limited

顧詒先生 美國友邦保險（百慕達）有限公司

Mr David A Laskey Hannover Ruckversicherungs - AG

羅仕基先生 漢諾威再保險股份公司

53

54

Mr Vicky L K Lo HSBC Life (International) Limited

羅禮勤先生

Dr Damien V Marmion BUPA (Asia) Limited

馬明安先生

TASK FORCE ON INSURANCE FUNCTIONAL CONSTITUENCY

保險功能議席專責小組

Chairman

主席

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Members

委員

Mr Jackie Y C Chun Cologne Reinsurance Company plc

秦鈺池先生 德國科隆再保險公司

Mr Edward W K Lau Manulife (International) Limited

劉允剛先生 宏利人壽保險（國際）有限公司

Mr Peter E Schelling Zurich Insurance Company

施瀚霖先生 蘇黎世保險

TASK FORCE ON POLICYHOLDERS' PROTECTION FUNDS

保單持有人保障基金專責小組

Chairman

主席

Mr Edward W K Lau Manulife (International) Limited

劉允剛先生 宏利人壽保險（國際）有限公司

Members

委員

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

Mr Richard H M Ip American International Assurance Company (Bermuda) Limited

葉康民先生 美國友邦保險（百慕達）有限公司

Mr Keith B Land Royal & Sun Alliance Insurance (Hong Kong) Limited

林啟富先生 皇家太陽聯合保險（香港）有限公司

2004/2005 HKFI Annual Report • 年報

INSURANCE AGENTS REGISTRATION BOARD

保險代理登記委員會

Chairman

主席

Mr Andrew W F Wong, OBE, JP

(Resigned on 19.02.2005)

黃宏發OBE太平紳士 (2005年2月19日退任)

Mr Ambrose W S Cheung, JP

(Appointed on 20.02.2005)

張永森太平紳士

Members

委員

Mr W K Chan Consumer Council

陳永佳先生 消費者委員會

Mr Jackie Y C Chun General Insurance Council

秦鈺池先生 一般保險總會

Mr Wilson Y W Fung Accountant

馮英偉先生 會計師

Mr Walter W C Lau Barrister-at-law

(Resigned on 15.06.2004)

劉榮照先生 大律師

(2005年2月20日委任)

(2004年6月15日退任)

Dr Chris H S Ng The Life Underwriters Association of Hong Kong

吳翰城博士 香港人壽保險從業員協會

Mr Kenny S M Siu Life Insurance Council

(Appointed on 21.07.2004)

蕭思敏先生 壽險總會

(2004年7月21日委任)

Mr Selwyn Yu Barrister-at-law

(Appointed on 21.07.2004)

余承章先生 大律師

(2004年7月21日委任)

Mr Edwin S L Yung Life Insurance Council

(Resigned on 07.07.2004)

容尚倫先生 壽險總會

(2004年7月7日退任)

APPEALS TRIBUNAL

上訴裁判處

Members

委員

Ms Pamela S Chan, BBS, JP

陳黃穗BBS太平紳士

Mr K M Chong Barrister-at-law

莊啟文先生 大律師

Mr Alfred K C Fung Barrister-at-law

馮國礎先生 大律師

55

Mr P M Kam Accountant

甘博文先生 會計師

Mr Larry L K Kwok Solicitor

郭琳廣先生 律師

Mr K M Li

李介明先生

Mr Alain C P Sham Barrister-at-law

沈仲平先生 大律師

Ms Katherine F K Shum

沈吳斐娟女士

Ms Clara F M Tang Solicitor

鄧鳳雯女士 律師

Mr Michael F S Tsui Barrister-at-law

徐福燊先生 大律師

Mr Andrew W F Wong, OBE, JP

56

(Appointed on 01.04.2005)

黃宏發OBE太平紳士 (2005年4月1日委任)

Mr Valentine S T Yim Barrister-at-law

嚴斯泰先生 大律師

Mr Roger K C Yung Solicitor

翁國忠先生 律師

GENERAL INSURANCE COUNCIL

一般保險總會

Chairman

主席

Mr Keith B Land Royal & Sun Alliance Insurance (Hong Kong) Limited

林啟富先生 皇家太陽聯合保險（香港）有限公司

Deputy Chairman

副主席

Mr Leo C H Ma The Prudential Assurance Company Limited

馬陳鏗先生 英國保誠保險有限公司

Councillors

委員

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Mr K P Cheng The Ming An Insurance Company (Hong Kong) Limited

鄭國屏先生 香港民安保險有限公司

2004/2005 HKFI Annual Report • 年報

Ms Manlo Cheung Blue Cross (Asia-Pacific) Insurance Limited

張文璐女士 藍十字（亞太）保險有限公司

Mr Jackie Y C Chun Cologne Reinsurance Company plc

秦鈺池先生 德國科隆再保險公司

(Resigned on 15.10.2004)

Mr Andrew Duxbury Reinsurers' Forum

戴博瑞先生 再保險協會

(2004年10月15日退任)

Ms Agnes K H Ho Medical Insurance Association

何錦霞女士 醫療保險協會

Ms Agnes K O Koon Falcon Insurance Company (Hong Kong) Limited

管胡金愛女士 富勤保險（香港）有限公司

Mr Simon S K Lam Reinsurers' Forum

(Appointed on 11.01.2005)

林瑞江先生 再保險協會

Ms Teresa O W Ma Fire Insurance Association

馬愛華女士 火險公會

Dr Damien V Marmion BUPA (Asia) Limited

馬明安先生

Mr Jimmy W F Poon Accident Insurance Association

潘榮輝先生 意外保險公會

Mr Peter E Schelling Zurich Insurance Company

施瀚霖先生 蘇黎世保險

Mr K H Wong Asia Insurance Company Limited

王覺豪先生 亞洲保險有限公司

Mr Stephen M F Wong American Home Assurance Company

王文輝先生 美安保險公司

Mr Elden C K Yau Marine Insurance Association

邱在基先生 洋面保險公會

Mr Barry C K Yeung AXA General Insurance Hong Kong Limited

楊超群先生 安盛保險有限公司

ACCIDENT INSURANCE ASSOCIATION

意外保險公會

Chairman

主席

Mr Jimmy W F Poon Zurich Insurance Company

潘榮輝先生 蘇黎世保險

(2005年1月11日委任)

57

58

Deputy Chairman

副主席

Mr Christopher Twomey ACE Insurance Limited

杜銘賢先生 安達保險有限公司

Members

委員

Mr Pierre C Fong HSBC Insurance (Asia) Limited

方正先生

Mr Dominic W K Lam AXA China Region Insurance Company (Bermuda) Limited

林偉權先生

Mr Lobo P T Law QBE Hongkong & Shanghai Insurance Limited

羅寶通先生 昆士蘭聯保保險有限公司

Mr Percy W H Lee The Ming An Insurance Company (Hong Kong) Limited

李偉雄先生 香港民安保險有限公司

Ms Mandy S H Lo Aviva General Insurance Limited

盧淑嫻女士 英傑華一般保險有限公司

Mr John S C Mok Wing Lung Insurance Company Limited

莫紹章先生 永隆保險有限公司

Ms Kelly Y N Mok The Prudential Assurance Company Limited

莫玉鶯女士 英國保誠保險有限公司

Mr Paul W M Mok XL Insurance Company Limited

莫偉明先生 XL Insurance Company Limited

Mr Anthony M T Ng Sun Hung Kai Properties Insurance Limited

吳文棠先生 新鴻基地產保險有限公司

Mr William M F Ng Tugu Insurance Company Limited

吳民輝先生 德高保險有限公司

Ms Ronnis M F Pun American Home Assurance Company

潘文芳女士 美安保險公司

Ms Peggy P Y Siu Bank of China Group Insurance Company Limited

蕭碧英女士 中銀集團保險有限公司

Ms Ophelia Y H Szeto Falcon Insurance Company (Hong Kong) Limited

司徒艷嫻女士 富勤保險（香港）有限公司

Ms Crystal H Y Wong Asia Insurance Company Limited

黃賀賢女士 亞洲保險有限公司

2004/2005 HKFI Annual Report • 年報

Mr Sammy T K Wong The People's Insurance Company of China (Hong Kong), Limited

黃德強先生 中國人民保險（香港）有限公司

Mr Jonathan C H Yau Chevalier Insurance Company Limited

丘振雄先生 其士保險有限公司

Co-opt Members

客席委員

Mr Billy T S Chan AXA General Insurance Hong Kong Limited

陳松盛先生 安盛保險有限公司

Mr Simon W L Chow Allianz Insurance (Hong Kong) Limited

周永隆先生 安聯保險（香港）有限公司

Mr Arthur P H Mok Royal & Sun Alliance Insurance (Hong Kong) Limited

莫炳康先生 皇家太陽聯合保險（香港）有限公司

Ms Nicole M T Wong China Overseas Insurance Limited

黃明丹女士 中國海外保險有限公司

FIRE INSURANCE ASSOCIATION

火險公會

Chairman

主席

Ms Teresa O W Ma CGU International Insurance plc

馬愛華女士 英傑華保險有限公司

Deputy Chairman

副主席

Ms Bonny C L Law Falcon Insurance Company (Hong Kong) Limited

羅翠玲女士 富勤保險（香港）有限公司

Members

委員

Mr Johnson W K Chan Tugu Insurance Company Limited

陳惠剛先生 德高保險有限公司

Mr Samuel K S Cheng QBE Hongkong & Shanghai Insurance Limited

鄭桂深先生 昆士蘭聯保保險有限公司

Mr Joseph H M Chung The People's Insurance Company of China (Hong Kong), Limited

鍾漢明先生 中國人民保險（香港）有限公司

Ms Jenny M K Kwok HSBC Insurance (Asia) Limited

郭慕潔女士

Mr Samuel C K Leung The Ming An Insurance Company (Hong Kong) Limited

梁智堅先生 香港民安保險有限公司

59

Mr Clifford W K Ma Dao Heng Insurance Company Limited

馬偉健先生 道亨保險有限公司

Mr Johnny Y M Suen Zurich Insurance Company

孫壹鳴先生 蘇黎世保險

(2004年12月20日退任)

Mr Ronnie L H Tong (Resigned on 03.01.2005) American Home Assurance Company

唐來興先生 美安保險公司

(2005年1月3日退任)

Mr Joe W K Wong Asia Insurance Company Limited

王永健先生 亞洲保險有限公司

Mr Lawrence Y H Wong The Prudential Assurance Company Limited

黃益雄先生 英國保誠保險有限公司

Mr Patrick W H Wong ACE Insurance Limited

黃永恆先生 安達保險有限公司

Mr Barry C K Yeung AXA General Insurance Hong Kong Limited

楊超群先生 安盛保險有限公司

Mr Eddie Young Royal & Sun Alliance Insurance (Hong Kong) Limited

楊應德先生 皇家太陽聯合保險（香港）有限公司

Co-opt Member

客席委員

Mr George S T Mak Asia Insurance Company Limited

麥承臻先生 亞洲保險有限公司

LEGAL WORKING GROUP

法律事務工作小組

Chairman

主席

Mr K H Wong Asia Insurance Company Limited

王覺豪先生 亞洲保險有限公司

Members

委員

Mr Peter J Cashin American International Underwriters Limited

簡善先生 美亞保險有限公司

Ms Nicole Haslock Allen & Overy

Nicole Haslock 女士 (2005年1月17日退任) 安理國際律師事務所

Mr Rupert C Skrine Skrine Thomas Sharrock

60

(Resigned on 20.12.2004)

(Resigned on 17.01.2005)

施祺理先生 仕堅湯尚朗律師行

2004/2005 HKFI Annual Report • 年報

MARINE INSURANCE ASSOCIATION

洋面保險公會

Chairman

主席

Mr Elden C K Yau Falcon Insurance Company (Hong Kong) Limited

邱在基先生 富勤保險（香港）有限公司

Deputy Chairman

副主席

Ms Vivian P L Ho HSBC Insurance (Asia) Limited

何沛玲女士

Members

委員

Ms Amy S Y Chan CGU International Insurance plc

陳淑英女士 英傑華保險有限公司

Mr Billy T S Chan AXA General Insurance Hong Kong Limited

陳松盛先生 安盛保險有限公司

Ms Joanne S F Chan Allianz Insurance (Hong Kong) Limited

陳淑芬女士 安聯保險（香港）有限公司

Ms Una Y Y Chan Tugu Insurance Company Limited

陳幼英女士 德高保險有限公司

Mr Clement K W Chow QBE Hongkong & Shanghai Insurance Limited

周錦華先生 昆士蘭聯保保險有限公司

Mr Ringo T W Hung American Home Assurance Company

洪子華先生 美安保險公司

Ms Shirley M C Hung Royal & Sun Alliance Insurance (Hong Kong) Limited

鴻夢捷女士 皇家太陽聯合保險（香港）有限公司

Mr Larry S K Kwok Zurich Insurance Company

郭淑根先生 蘇黎世保險

Mr Lucci C F Leung Assicurazioni Generali S.p.A.

梁志輝先生 忠利保險有限公司

Ms Dora W M Li The Ming An Insurance Company (Hong Kong) Limited

李慧敏女士 香港民安保險有限公司

Ms Susan C W Sze ING General Insurance International

史秋雲女士 安泰保險有限公司

Mr Hui Wei (Resigned on 02.11.2004) Liberty International Insurance Limited

韋煦先生 (2004年11月2日退任) 利寶國際保險有限公司

61

62

MEDICAL INSURANCE ASSOCIATION

醫療保險協會

Chairman

主席

Ms Agnes K H Ho HSBC Medical Insurance Limited

何錦霞女士

Deputy Chairman

副主席

Mr James Y T Leung Blue Cross (Asia-Pacific) Insurance Limited

梁蔭滔先生 藍十字（亞太）保險有限公司

Members

委員

Ms Charity C S Au MLC (Hong Kong) Limited

歐之珊女士 萬誠保險（香港）有限公司

Ms Elaine S H Chan American International Assurance Company (Bermuda) Limited

陳秀荷女士 美國友邦保險（百慕達）有限公司

Ms Claudia S L Choi (Resigned on 01.02.2005) Falcon Insurance Company (Hong Kong) Limited

蔡秀玲女士 (2005年2月1日退任) 富勤保險（香港）有限公司

Mr Wilome C K Chow AXA China Region Insurance Company (Bermuda) Limited

鄒頌堅先生

Mr Nicholas J Crouch Manulife (International) Limited

凌國智先生 宏利人壽保險（國際）有限公司

Ms Julia C H Kwan QBE Hongkong & Shanghai Insurance Limited

關靜嫻女士 昆士蘭聯保保險有限公司

Ms Betty K C Lam Asia Insurance Company Limited

林潔貞女士 亞洲保險有限公司

Mr Sunny L K Leung ING General Insurance International

梁聯光先生 安泰保險有限公司

Mr William Y K Man CMG Asia Limited

文英傑先生 康聯亞洲有限公司

Ms Cindy S L Tang CGU International Insurance plc

鄧秀蘭女士 英傑華保險有限公司

(Resigned on 15.11.2004) Ms Patricia M Y Tang Pacific Century Insurance Company Limited

鄧美賢女士 (2004年11月15日退任) 盈科保險有限公司

Ms Jasmine Y M Wong The Prudential Assurance Company Limited

王粵鳴女士 英國保誠保險有限公司

2004/2005 HKFI Annual Report • 年報

Ms Kammy L Y Wong BUPA (Asia) Limited

黃麗儀女士

Mr Paul P C Wong Pacific Century Insurance Company Limited

黃炳全先生 盈科保險有限公司

REINSURERS' FORUM

再保險協會

Convenor

召集人

Mr Andrew Duxbury (Resigned on 15.10.2004) Munich Reinsurance Company Hong Kong Branch

戴博瑞先生 (2004年10月15日退任) 慕尼黑再保險公司香港分公司

Mr Simon S K Lam Swiss Reinsurance Company

林瑞江先生 瑞士再保險公司

(Appointed on 11.01.2005)

(2005年1月11日委任)

Deputy Convenor

副召集人

Mr Jackie Y C Chun Cologne Reinsurance Company plc

秦鈺池先生 德國科隆再保險公司

Members

委員

Mr Eric C H Chan GE Frankona Reinsurance A/S

陳昌浩先生 安裕再保險有限公司

Mr Peter K C Ho Transatlantic Reinsurance Company

何建中先生 大西洋再保險有限公司

Mr George W W Leung SCOR Reinsurance Company (Asia) Limited

梁煥榮先生 法國再保險（亞洲）有限公司

Mr Peter Leung Sompo Japan Reinsurance Company Limited

梁彼得先生 Sompo Japan Reinsurance Company Limited

Mr Kenneth Y L Ng China International Reinsurance Company Limited

吳俞霖先生 中國國際再保險有限公司

Mr Fumitaka Nishimura The Toa Reinsurance Company Limited

西村文孝先生 東亞再保險有限公司

Mr Philip Nye Partner Reinsurance Company Limited

賴飛立先生 Partner Reinsurance Company Limited

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64

TASK FORCE ON EMPLOYEES' COMPENSATION

僱員補償專責小組

Chairman

主席

Mr Keith B Land Royal & Sun Alliance Insurance (Hong Kong) Limited

林啟富先生 皇家太陽聯合保險（香港）有限公司

Members

委員

Mr K P Chan Hang Seng Insurance Company Limited

陳健波先生

Mr K P Cheng The Ming An Insurance Company (Hong Kong) Limited

鄭國屏先生 香港民安保險有限公司

Mr Jackie Y C Chun Cologne Reinsurance Company plc

秦鈺池先生 德國科隆再保險公司

Ms Agnes K O Koon Falcon Insurance Company (Hong Kong) Limited

管胡金愛女士 富勤保險（香港）有限公司

Mr Dominic W K Lam AXA China Region Insurance Company (Bermuda) Limited

林偉權先生

Mr Simon S K Lam Swiss Reinsurance Company

林瑞江先生 瑞士再保險公司

Mr Robert Stead Allianz Insurance (Hong Kong) Limited

施達德先生 安聯保險（香港）有限公司

Mr K H Wong Asia Insurance Company Limited

王覺豪先生 亞洲保險有限公司

LIFE INSURANCE COUNCIL

壽險總會

Chairman

主席

Mr Richard H M Ip American International Assurance Company (Bermuda) Limited

葉康民先生 美國友邦保險（百慕達）有限公司

Deputy Chairman

副主席

Mr Raymond P K Chan Pacific Century Insurance Company Limited

陳炳根先生 盈科保險有限公司

Councillors

委員

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

2004/2005 HKFI Annual Report • 年報

Mr Denny Y L Chan Zurich Life Insurance Company Limited

陳用樑先生 蘇黎世人壽保險有限公司

Mr M K Cheng ING Life Insurance Company (Bermuda) Limited

鄭文光先生 安泰人壽保險（百慕達）有限公司

Mr David A Laskey Hannover Ruckversicherungs - AG

羅仕基先生 漢諾威再保險股份公司

Mr Edward W K Lau Manulife (International) Limited

劉允剛先生 宏利人壽保險（國際）有限公司

Mr Mike S C Lee MassMutual Asia Limited

李少川先生 美國萬通保險亞洲有限公司

Mr Terry K W Lo HSBC Life (International) Limited

老建榮先生

Mr Kenny S M Siu Blue Cross (Asia-Pacific) Insurance Limited

蕭思敏先生 藍十字（亞太）保險有限公司

Mr K Y To Transamerica Occidental Life Insurance Company

(Appointed on 03.08.2004)

杜覺英先生 全美人壽保險公司

(2004年8月3日委任)

Mr Mark A Wilson AXA China Region Insurance Company (Bermuda) Limited

麥智信先生

Mr Edwin S L Yung (Resigned on 07.07.2004) New York Life Insurance Worldwide Limited

容尚倫先生 (2004年7月7日退任) 紐約人壽環球保險有限公司

ACTUARIAL WORKING GROUP

精算工作小組

Chairman

主席

Mr Roddy S Anderson Dah Sing Life Assurance Company Limited

安德生先生 大新人壽保險有限公司

Deputy Chairman

副主席

Mr Kevin Lee Zurich Life Insurance Company Limited

李吉宏先生 蘇黎世人壽保險有限公司

Members

委員

Mr Alan Y F Chan ING Life Insurance Company (Bermuda) Limited

陳耀輝先生 安泰人壽保險（百慕達）有限公司

Mr Fabien G Jendy Sun Life Financial (Hong Kong) Limited

范彼衡先生 永明金融（香港）有限公司 65

66

Mr Stanley H W Ko Standard Life (Asia) Limited

高漢華先生 標準人壽保險（亞洲）有限公司

Mr Lawrence C K Lai Winterthur Life

黎志剛先生 瑞士豐泰人壽保險

Mr Thomas M N Lee American International Assurance Company (Bermuda) Limited

李滿能先生 美國友邦保險（百慕達）有限公司

Ms Bonita J Leong Manulife (International) Limited

梁潘月寶女士 宏利人壽保險（國際）有限公司

Ms Marian M Y Leung Hannover Ruckversicherungs - AG

梁曼欣女士 漢諾威再保險股份公司

Ms Sim S K Ng CMG Asia Limited

黃森瓊女士 康聯亞洲有限公司

Mr Mark Stamper Swiss Reinsurance Company

沈萬祺先生 瑞士再保險公司

Mr Peter G Telford AXA China Region Insurance Company (Bermuda) Limited

杜柏庭先生

Mr Calvin F W Wu HSBC Life (International) Limited

胡福華先生

LEGAL WORKING GROUP

法律事務工作小組

Chairman

主席

Mr Denny Y L Chan Zurich Life Insurance Company Limited

陳用樑先生 蘇黎世人壽保險有限公司

Members

委員

Mr Terence C K Chau China Life Insurance (Overseas) Company Limited Hong Kong Branch

周自堅先生 中國人壽保險（海外）股份有限公司 香港分公司

Ms Anita Cheung American International Assurance Company (Bermuda) Limited

張小紅女士 美國友邦保險（百慕達）有限公司

Ms Lily W K Chui Zurich Life Insurance Company Limited

徐惠娟女士 蘇黎世人壽保險有限公司

Mr Richard C W Kwok AXA China Region Insurance Company (Bermuda) Limited

郭超和先生

2004/2005 HKFI Annual Report • 年報

李智遠先生 宏利人壽保險（國際）有限公司

Mr Cliff C Y Li Manulife (International) Limited Mr Fergus F C Lu CMG Asia Limited

(Resigned on 01.03.2005)

魯化知先生 康聯亞洲有限公司

(2005年3月1日退任)

Ms Ines C Y Wei HSBC Life (International) Limited

魏仲燕女士

Ms Veronica M Y Wong Sun Life Financial (Hong Kong) Limited

黃敏兒女士 永明金融（香港）有限公司

LIFE RISK MANAGEMENT WORKING GROUP

人壽風險管理工作小組

Chairman

主席

Mr Raymond P K Chan Pacific Century Insurance Company Limited

陳炳根先生 盈科保險有限公司

Members

委員

Ms Nancy W C Chan CMG Asia Limited

陳穎清女士 康聯亞洲有限公司

Ms Wendy N Y Choi Dah Sing Life Assurance Company Limited

蔡雁儀女士 大新人壽保險有限公司

Ms Ann Law Swiss Reinsurance Company

羅何惠心女士 瑞士再保險公司

Mr Embrose S C Law (Resigned on 15.08.2004) Dah Sing Life Assurance Company Limited

羅斯燦先生 (2004年8月15日退任) 大新人壽保險有限公司

(Resigned on 15.01.2005) Ms Dorothy S H Lo CIGNA Worldwide Insurance Company

盧樹香女士 信諾環球保險公司

Mr Donald A Sutherland Manulife (International) Limited

施浩能先生 宏利人壽保險（國際）有限公司

Ms Doreen Wong (Resigned on 30.04.2005) Pacific Century Insurance Company Limited

黃靜女士 盈科保險有限公司

Ms Connie H C Yeung MLC (Hong Kong) Limited

楊愛珍女士 萬誠保險（香港）有限公司

Mr Peter W T Zee American International Assurance Company (Bermuda) Limited

徐偉棟先生 美國友邦保險（百慕達）有限公司

(2005年1月15日退任)

(2005年4月30日退任)

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68

PROFESSIONAL STANDARDS WORKING GROUP

專業水平工作小組

Chairman

主席

Mr M K Cheng ING Life Insurance Company (Bermuda) Limited

鄭文光先生 安泰人壽保險（百慕達）有限公司

Members

委員

Mr Charles M L Chan Winterthur Life

陳文龍先生 瑞士豐泰人壽保險

Mr H M Choy AXA China Region Insurance Company (Bermuda) Limited

蔡學文先生

Ms Celly M Hall Manulife (International) Limited

賀施玲女士 宏利人壽保險（國際）有限公司

Mr Joseph K W Ho MLC (Hong Kong) Limited

何國華先生 萬誠保險（香港）有限公司

Mr Jan Zen Jim American International Assurance Company (Bermuda) Limited

詹振聲先生 美國友邦保險（百慕達）有限公司

Mr Ralph K M Lau Pacific Century Insurance Co Limited

劉劍明先生 盈科保險有限公司

Mr Kevin Lee Zurich Life Insurance Company Limited

李吉宏先生 蘇黎世人壽保險有限公司

Mr Terry K W Lo HSBC Life (International) Limited

老建榮先生

Mr Carlos J Sabugueiro Zurich Life Insurance Company Limited

蘇黎世人壽保險有限公司

Mr Kenny S M Siu Blue Cross (Asia-Pacific) Insurance Limited

蕭思敏先生 藍十字（亞太）保險有限公司

Ms Christian S H Teng CMG Asia Limited

丁瑞霞女士 康聯亞洲有限公司

Mr Augustus M H Yuen ING Life Insurance Company (Bermuda) Limited

袁滿慶先生 安泰人壽保險（百慕達）有限公司

2004/2005 HKFI Annual Report • 年報

RETIREMENT SCHEMES WORKING GROUP

退休保障計劃工作小組

Chairman

主席

Mr Terry K W Lo HSBC Life (International) Limited

老建榮先生

Members

委員

Mr Terence C K Chau China Life Insurance (Overseas) Company Limited Hong Kong Branch

周自堅先生 中國人壽保險（海外）股份有限公司 香港分公司

Ms Luzia C S Hung HSBC Life (International) Limited

吳智珊女士

Mr William C Y Lam Manulife (International) Limited

林仲耀先生 宏利人壽保險（國際）有限公司

Ms Flora W H Lau CMG Asia Limited

康聯亞洲有限公司

Ms Iris K C Ng American International Assurance Company (Bermuda) Limited

吳翹楚女士 美國友邦保險（百慕達）有限公司

Ms Wanda N L Wan AXA China Region Insurance Company (Bermuda) Limited

溫艾娜女士

69

Financial Statement 財務報表

70

AUDITORS' REPORT

核數師報告

To the Members of the Hong Kong Federation of Insurers

致香港保險業聯會會員

(incorporated in Hong Kong and limited by guarantee)

（於香港註冊的有限公司，負債以擔保為限）

We have audited the accounts set out on pages 72 to 84 which

本核數師（以下簡稱「我們」）已完成審核

have been prepared in accordance with accounting principles

刊於第72至84頁之賬目，該等賬目乃按照

generally accepted in Hong Kong.

香港普遍採納之會計原則編製。

Respective responsibilities of the members of the Governing Committee and auditors

管治委員會委員及核數師各自之 責任

The Hong Kong Companies Ordinance requires the members of

《香港公司條例》規定管治委員會委員必須

the Governing Committee to prepare accounts which give a

編製真實兼公平之賬目。在編製該等真實

true and fair view. In preparing accounts which give a true

兼公平之賬目時，管治委員會委員必須採

and fair view it is fundamental that appropriate accounting

用適當之會計政策，並且貫徹應用該等會

policies are selected and applied consistently.

計政策。

It is our responsibility to form an independent opinion, based

我們之責任是根據審核工作之結果，對該

on our audit, on those accounts and to report our opinion

等賬目作出具獨立意見，並按照《香港公

solely to you, as a body, in accordance with section 141 of the

司條例》141條，僅向保聯會員報告，除此

Hong Kong Companies Ordinance, and for no other purpose.

之外，本報告別無其他目的。我們不會就

We do not assume responsibility towards or accept liability to

本報告的內容向任何其他人士負上或承擔

any other person for the contents of this report.

任何責任。

Basis of opinion

意見之基礎

We conducted our audit in accordance with Statements of

我們已按照香港會計師公會頒布之核數準

Auditing Standards issued by the Hong Kong Institute of

則進行審核工作。審核範圍包括以抽查方

Certified Public Accountants. An audit includes examination,

式查核與賬目所載數額及披露事項有關之

on a test basis, of evidence relevant to the amounts and disclo-

憑證，亦包括評審管治委員會委員於編製

sures in the accounts. It also includes an assessment of the

賬目時所作出之重大估計和判斷，所採用

significant estimates and judgements made by the members

之會計政策是否適合保聯之具體情況，以

2004/2005 HKFI Annual Report • 年報

of the Governing Committee in the preparation of the

及有否貫徹應用並足夠披露該等會計政

accounts, and of whether the accounting policies are appro-

策。

priate to the circumstances of the HKFI, consistently applied and adequately disclosed.

We planned and performed our audit so as to obtain all the

我們在策劃和進行審核工作時，均以取得

information and explanations which we considered necessary

所有我們認為必須之資料及解釋為目標，

in order to provide us with sufficient evidence to give reason-

以便能獲得充分憑證，就該等賬目是否存

able assurance as to whether the accounts are free from mate-

有重要錯誤陳述，作合理之確定。在作出

rial misstatement. In forming our opinion we also evaluated

意見時，我們已評估該等賬目所載之資料

the overall adequacy of the presentation of information in the

在整體上是否足夠。我們相信我們之審核

accounts. We believe that our audit provides a reasonable

工作已為下列意見建立合理之基礎。

basis for our opinion.

Opinion

意見

In our opinion the accounts give a true and fair view of the

我們認為，上述之賬目真實兼公平地反映

state of affairs of the HKFI as at 31 December 2004 and of the

保聯於2004年12月31日的財務狀況，以及

HKFI's surplus and cash flows for the year then ended and

截至該日止年度的盈餘和現金流量，並已

have been properly prepared in accordance with the Hong

按照《香港公司條例》妥為編製。

Kong Companies Ordinance.

PricewaterhouseCoopers

羅兵咸永道會計師事務所

Certified Public Accountants

香港執業會計師

Honorary Auditors

義務核數師

Hong Kong, 14 March 2005

香港，2005年3月14日

71

OPERATING ACCOUNT 營運賬目 For the year ended 31 December 2004 截至2004年12月31日止年度

Note 附註

2004 HK$ 港幣

2003 HK$ 港幣

7,563,107 714,269 218,662 24,075 3,600 264,000 2,161,578 22,500 1,227,892 336,851 345,573 93,377 192,040 225,130 84,838

8,341,341 637,054 124,954 21,775 145,713 288,000 2,310,571 22,500 513,551 356,614 372,017 95,592 248,632 193,505 72,373

80,947

-

691,586 500,000 —————— 14,750,025 ---------

—————— 13,744,192 ---------

9,234,910 9,261,268 80,862

8,980,490 8,773,957 218,538

1,083,000 824,061 —————— 20,484,101 - -— -— -— - -— -— -—

1,089,000 425,965 —————— 19,487,950 - -— -— -— - -— -— -—

5,734,076 1,183,077 —————— 4,550,999 — —— —— —— —— —— —

5,743,758 1,162,589 —————— 4,581,169 — —— —— —— —— —— —

Expenditure 支出 Salaries and allowances 薪金及津貼 Provident fund 公積金 Staff expenses 員工支出 Rates 差餉 Finance costs 財務開支 Management fee 管理費 Depreciation of owned fixed assets 自置固定資產折舊 Depreciation of leased fixed assets 租賃固定資產折舊 Project expenses 項目支出 Corporate communications and entertainment 外務傳訊及款待費 Sundry expenses 雜項支出 Printing and stationery 印刷及文具 Utilities 公用項目費 Maintenance 保養費 Legal and professional fees 法律及專業服務費 Insurance Agents Registration Board activities 保險代理登記委員會活動 Promotion of insurance products and consumer education 推廣保險產品及向消費者灌輸保險知識費用 Donation 捐款

3 6 6

Reimbursed by 償款 Subscription fees 會費 Registration fees 登記費 Bank interest income 利息收入 Management fee income from the Insurance Claims Complaints Bureau 管理保險索償投訴局收入 Other income 其他收入

Surplus for the year before taxation 本年度除稅前盈餘 Taxation 稅項 Surplus for the year after taxation 本年度除稅後盈餘

72

11

4

2004/2005 HKFI Annual Report • 年報

BALANCE SHEET 資產負債表 As at 31 December 2004 截至2004年12月31日

Note 附註

2004 HK$ 港幣

2003 HK$ 港幣

4 6

251,027 10,706,465

263,636 12,021,216

786,146 21,596 24,599,711 —————— 36,364,945 ---------

667,630 19,266 23,272,666 —————— 36,244,414 ---------

1,309,304 11,881,286 4,359,220 187,134 31,500 —————— 17,768,444 - -— -— -— - -— -— -—

1,711,991 13,834,546 5,807,160 795,715 49,500 —————— 22,198,912 - -— -— -— - -— -— -—

18,596,501 — —— —— —— —— —— —

14,045,502 — —— —— —— —— —— —

18,596,501 — —— —— —— —— —— —

14,045,502 — —— —— —— —— —— —

Employment of funds 資金運用 Assets 資產 Deferred tax asset 遞延稅項資產 Fixed assets 固定資產 Accounts receivable, prepayments and deposits 應收賬項、預付賬項及按金 Inventories 存貨 Bank balances and cash 銀行結餘及現金

Liabilities 負債 Accounts payable and accrued charges 應付賬項及應計費用 Registration fees received in advance 預收登記費 Subscription fees received in advance 預收會費 Taxation payable 應付稅項 Finance lease obligation 融資租賃責任

Net assets 淨資產

7

Funds employed 資金來源 Accumulated surplus 累積盈餘

On behalf of the Governing Committee 承管治委員會命

K P Chan 陳健波 Member 委員

Roddy S Anderson 安德生 Member 委員

73

STATEMENT OF CHANGES IN ACCUMULATED SURPLUS 累積盈餘變動報表 For the year ended 31 December 2004 截至2004年12月31日止年度

Accumulated surplus as at 1 January, as previously reported 截至1月1日累積盈餘，如前呈報 Change in accounting policy 會計政策更改 - recognition of net deferred tax asset 確認遞延稅項資產淨額 Accumulated surplus as at 1 January, as restated 截至1月1日累積盈餘，經重列 Surplus for the year 本年度盈餘 Accumulated surplus as at 31 December 截至12月31日累積盈餘

74

2004 HK$ 港幣

2003 HK$ 港幣

14,045,502

9,361,824

-

102,509

14,045,502

9,464,333

4,550,999

4,581,169

18,596,501

14,045,502

2004/2005 HKFI Annual Report • 年報

CASH FLOW STATEMENT 現金流量表 For the year ended 31 December 2004 截至2004年12月31日止年度

Note 附註

2004 HK$ 港幣

2003 HK$ 港幣

8

3,924,149.

(1,779,049) ——————

6,217,610.

(747,871) ——————

2,145,100.

---------

5,469,739.

---------

7,306.

(869,327) 54,872.

(3,600) ——————

(91,704) (18,162) 254,021.

(145,713) ——————

(810,749) ---------

(1,558) ---------

——————

(6,397,176) ——————

---------

(6,397,176) ---------

1,334,351.

(928,995)

16,787,497.

——————

17,716,492.

——————

18,121,848.

——————

16,787,497.

——————

Operating activities 經營活動 Net cash inflow generated from operations 經營之現金流入淨額 Hong Kong profits tax paid 支付香港利得稅 Net cash inflow from operating activities 經營活動之現金流入淨額

Investing activities 投資活動 Decrease/(increase) in fixed term deposits with banks of maturity over three months from date of inception 超過三個月的定期存款減少/（增加） Purchases of fixed assets 購買固定資產 Interest income received 收取利息 Interest expenses 支付利息 Net cash outflow from investing activities 投資活動之現金流出淨額

Financing activities 理財活動 Repayment of bank loan 償還貸款 Net cash outflow from financing 理財活動之現金流出淨額 Increase/(decrease) in cash and cash equivalents 現金及現金等價物之增加/（減少） Cash and cash equivalents at 1 January １月1日之現金及現金等價物 Cash and cash equivalents at 31 December 12月31日之現金及現金等價物

9

Analysis of cash and cash equivalents at 31 December 12月31日之現金及現金等價物分析 Fixed term deposits with banks (with maturity within three months) 銀行定期存款(將於三個月內期滿) Current accounts with banks 銀行結餘及現金 Cash 現金

13,174,648.

4,940,915.

6,285.

——————

14,112,959.

2,663,315.

11,223.

——————

18,121,848.

— —— —— —— —— —— —

16,787,497.

— —— —— —— —— —— — 75

NOTES TO THE ACCOUNTS

賬目附註

1. Legal status

1. 法定地位

The Hong Kong Federation of Insurers (HKFI) is a company

香港保險業聯會（保聯）乃按照《香港

incorporated under the Hong Kong Companies Ordinance

公司條例》正式註冊，其負債以擔保為

and is limited by guarantee of an amount equal to the

限，每位會員所承擔的法律責任為其每

annual subscription fee per Member. Income and property

年會費的數額。保聯的收入及資產只可

of the HKFI shall be applied solely towards the promotion

用於推廣及實踐該會列於 《立案章程》

of the objectives of the HKFI as set for th in its

內的宗旨，並且不可支付任何數額予保

Memorandum of Association and no portion thereof shall

聯的會員。

be payable to the Members of the HKFI.

2. Principal accounting policies The principal accounting policies adopted in the prepara-

2. 主要會計政策 本賬目的編製主要所採用的會計政策：

tion of these accounts are:

(a) Basis of preparation

(a) 編製準則

The accounts have been prepared in accordance with

本賬目乃按照香港普遍採納的會計

accounting principles generally accepted in Hong

準則及香港會計師公會頒布的準則

Kong and comply with accounting standards issued

編製。賬目乃按照歷史成本常規法

by the Hong Kong Institute of Cer tified Public

編製。

Accountants (HKICPA). They have been prepared under the historical cost convention.

(b) Recently issued accounting standards The HKICPA has issued a number of new and revised

香港會計師公會頒布多項新訂及修

Hong Kong Financial Reporting Standards and Hong

訂的香港財務報告準則和香港會計

Kong Accounting Standards (new HKFRSs) which are

準 則 （ 新 準 則 ）， 此 等 新 準 則 於

effective for accounting periods beginning on or after

2005年1月1日或以後的會計年度生

1 January 2005. The HKFI has not early adopted these

效。保聯並沒有於截至2004年12月

new HKFRSs in the financial statements for the year

31日止計的財務報表中，提前採納

ended 31 December 2004. The HKFI is in the process

此等新準則。保聯正評估此等新準

of making an assessment of the impact of these new

則的影響，至目前為止，認為採納

HKFRSs and has so far concluded that the adoption of

新準則將不會對營運和財務情況有

these new HKFRSs would not have a significant impact

重大影響。

on its results of operations and financial position.

76

(b) 近期頒布的會計準則

2004/2005 HKFI Annual Report • 年報

(c) 收益確認

(c) Income recognition The HKFI's principal activity is to promote the business

保聯的主要活動為推廣香港的保險

of insurance in Hong Kong and act on matters affect-

業務，並以會員的共同權益行事。

ing the common interests of Members.

Subscription and registration fees received and receiv-

保聯已收及應收的會費及登記費乃

able by the HKFI are recognized as revenue in the

按有關的時期確認為該會計年度的

accounting period to which the subscription and

收入。

registration period relates.

Fees charged for registration of insurance agents cover

保險代理在登記日所付的登記費有

a period of three years from date of registration and

效期為三年，已收取的跨年度登記

therefore that portion of fees received which relates to

費乃按時間比例在資產負債表上確

future accounting periods is carried forward in the

認為預收登記費。

balance sheet as registration fees received in advance.

Interest income is recognized on a time proportion

利息收入依據尚未償還本金及適用

basis, taking into account the principal amounts out-

利率按時間的比例確認。

standing and the interest rates applicable.

Other income is recognized when received and

其他收入在已收或應收後確認。

receivable.

(d) 固定資產

(d) Fixed assets Fixed assets, comprising office premises, leasehold

固定資產包括：辦公室物業、房屋

improvements, office equipment and furniture are

裝修、辦公室設備及傢具，以成本

stated at cost less accumulated depreciation.

值減累積折舊列賬。

Fixed assets are depreciated at rates sufficient to write

固定資產以直線法於其估計可用年

off their cost over their estimated useful lives on a

限內將其成本值撇銷。主要之折舊

straight-line basis. The principal annual rates are as

年率為：

follows: Office premises

10%

辦公室物業

10%

Leasehold improvements

33-1/3%

房屋裝修

33-1/3%

Office equipment and furniture

25%

辦公室設備及傢具

25%

Major costs incurred in restoring fixed assets to their

用以修復固定資產至正常運作狀況

normal working condition are charged to the operat-

的費用均列於營運賬目內支銷，出

ing account. The gain or loss on disposal of a fixed

售固定資產的損益乃出售所得款項

asset is the difference between the net sales proceeds

淨額與有關資產賬面值的差額，並

and the carrying amount of the relevant asset and is

於營運賬中確認。

recognized in the operating account.

77

At each balance sheet date, both estimated and inter-

在每年結算日，透過保聯內部及外

nal sources of information are considered to assess

界所獲得的資訊，評核固定資產有

whether there is any indication that assets included in

否耗蝕。如有跡象顯示該等資產出

fixed assets are impaired. If any such indication exists,

現耗蝕，則估算其可收回價值及在

the recoverable amount of the asset is estimated and

合適的情況下將減值虧損入賬，以

an impairment loss is recognized to reduce the asset to

將資產減至其可收回價值。此等減

its recoverable amount. Such impairment losses are

值虧損在營運賬目入賬。

recognized in the operating account.

(e) Finance leases

(e) 融資租賃

Leases that substantially transfer to the HKFI all the

融資租賃是指將擁有資產之風險及

risks and rewards of ownership of assets are accounted

回報實質上轉讓予保聯之租賃。融

for as finance leases. Finance leases are capitalized at

資租賃之資產在開始時按租賃資產

the inception of the lease at the lower of the fair value

之公平值或最低租賃付款之現值，

of the leased assets or the present value of the mini-

以較低者入賬。每期租金均分攤為

mum lease payments. Each lease payment is allocated

資本性支出及財務費用，以達到資

between the capital and finance charges so as to

本結欠額之常數比率。相應租賃承

achieve a constant rate on the capital balances out-

擔在扣除財務費用後計入長期負債

standing. The corresponding rental obligations, net of

內。財務費用於租約期內在損益賬

finance charges, are included in long-term liabilities.

中支銷。

The finance charges are charged to the operating account over the lease periods.

Assets held under finance leases are depreciated over

以融資租賃持有之資產，按資產之

the shorter of their estimated useful lives or the lease

估計可用年限或租約期（以較短者

periods.

為準）計算折舊。

(f) Retirement benefit costs

78

(f) 退休金成本

The HKFI's contributions to defined contribution retire-

保聯供款予一項界定的供款退休計

ment schemes are expensed as incurred and are

劃，供款額作為費用支銷，而員工

reduced by contributions forfeited by employees who

在取得全數供款利益前退出計劃而

leave the scheme prior to vesting fully in the contribu-

被沒收的供款額，可以用作減少保

tions. The assets of the schemes are held separately

聯的供款。退休金計劃的資產與保

from those of the HKFI in independently administered

聯的資產分開持有，並由獨立管理

funds.

基金保管。

2004/2005 HKFI Annual Report • 年報

(g) Inventories

(g) 存貨

Inventories comprise publications and are stated at the

存貨包括刊物，乃按成本值或可變

lower of cost and net realisable value.

現淨值二者的較低者入賬。

(h) Provisions

(h) 撥備

Provisions are recognized when the HKFI has a present

當保聯因已發生的事件須承擔現有

legal or constructive obligation as a result of past

之法律性或構定性的責任，而解除

events, it is probable that an outflow of resources will

責任時有可能消耗資源，並將在責

be required to settle the obligation, and a reliable esti-

任金額能夠可靠地作出估算的情況

mate of the amount can be made. Where the HKFI

下，需確立撥備。當保聯預計撥備

expects a provision to be reimbursed, the reimburse-

款可獲償付，則將償付款確認為一

ment is recognized as a separate asset but only when

項獨立資產，惟只能在償付款可實

the reimbursement is virtually certain.

質地確定時確認。

(i) Deferred taxation

(i) 遞延稅項

Deferred taxation is provided in full, using the liability

遞延稅項採用負債法就資產負債之

method, on temporary differences arising between the

稅基與它們在賬目之賬面值兩者之

tax bases of assets and liabilities and their carrying

短暫時差作全數撥備。遞延稅項採

amounts in the accounts. Taxation rates enacted or sub-

用在結算日前已頒布或實質頒布之

stantively enacted by the balance sheet date are used

稅率釐定。

to determine deferred taxation.

Deferred tax assets are recognized to the extent that it

遞延稅項資產乃就有可能將未來應

is probable that future taxable profit will be available

課稅溢利與可動用之短暫時差抵銷

against which the temporary differences and tax losses

而確認。

can be utilized.

79

3. Finance costs

3. 財務開支

Interest expenses on bank loan 銀行貸款利息開支 Interest element of finance lease 融資租賃利息

4. Taxation

2003 HK$ 港幣

3,600 ——————

142,113 3,600 ——————

3,600 — —— —— —— —— —— —

145,713 — —— —— —— —— —— —

4. 稅項

Hong Kong profits tax has been provided at the rate of 17.5% on the estimated assessable profit for the year.

香港利得稅乃按照本年度估計應課稅盈 利依稅率17.5%提撥準備。

The amount of taxation charged to the profit and loss account represents:

在收支賬目支銷之稅項如下：

Current taxation 當期稅項 Deferred taxation: 遞延稅項： Deferred taxation relating to origination and reversal of temporary differences 遞延稅項暫時差異的產生及轉回 Deferred taxation resulting from an increase in tax rate 稅率提高產生之遞延稅項

80

2004 HK$ 港幣

2004 HK$ 港幣

2003 HK$ 港幣

1,170,468

1,323,716.

12,609

(151,517)

——————

(9,610) ——————

1,183,077 —— —— —— —— —— — —

1,162,589.

—— —— —— —— —— — —

2004/2005 HKFI Annual Report • 年報

保聯除稅前溢利之稅項與假若採用香港 標準利得稅稅率計算之理論稅額之差額 如下：

The taxation on the HKFI's surplus before taxation differs from the theoretical amount that would arise using the Hong Kong standard profits tax rate as follows:

Surplus before taxation 除稅前溢利 Calculated at a taxation rate of 17.5% 按稅率17.5%計算之稅項 Income not subject to taxation 毋須課稅之收入 Expenses not deductible for taxation purposes 不可扣除之支出 Overprovision in prior years 早年剩餘撥備 Decrease/(increase) in deferred tax assets 遞延稅項資產減少／ （增加） Increase in opening deferred tax asset resulting from an increase in tax rate 稅率提高產生的期初遞延稅項資產增加 Taxation charged to the operating account 稅項支出

2004 HK$ 港幣

2003 HK$ 港幣

5,734,076.

5,743,758..

1,003,463.

1,005,158..

(14,150)

(30,226).

184,621.

348,784..

(3,466)

-

12,609.

(151,517)..

-

(9,610).

1,183,077.

— —— —— —— —— —— —

1,162,589..

— —— —— —— —— —— —

2004 HK$ 港幣

2003 HK$ 港幣

263,636.

102,509..

(12,609)

161,127..

251,027.

— —— —— —— —— —— —

263,636..

— —— —— —— —— —— —

The movement on the net deferred tax asset account is as follows: 淨遞延稅項資產賬目之變動如下： Accelerated depreciation allowances 提早折舊免稅額 As at 1 January 截至1月1日 Taxation (debited)/ credited to the operating account 稅項在營運賬目內（支銷）／ 入賬 As at 31 December 截至12月31日

5. Governing Committee members’ emoluments

5. 管治委員會委員酬金

During the years ended 31 December 2004 and 2003, no

截至2004及2003年12月31日止年度，

amounts have been paid in respect of Governing

管治委員會委員並無收取任何為保聯服

Committee members’ emoluments, pensions or for any

務的酬金、退休金或因辦公室損失而支

compensation in respect of loss of office.

付的賠款。

81

6. 固定資產

6. Fixed assets

Office premises 辦公室物業 HK$港幣

Office equipment 辦公室設備 HK$港幣

Office furniture 辦公室傢具 HK$港幣

Leasehold improvements 房屋裝修 HK$港幣

Total 總計 HK$港幣

16,505,750 ——————

2,460,637.

869,327.

(927,705) ——————

586,176 ——————

1,069,357 ——————

20,621,920.

869,327.

(927,705) ——————

16,505,750 ---------

2,402,259.

---------

586,176 ---------

1,069,357 ---------

20,563,542.

---------

4,951,725

2,111,969.

467,653

1,069,357

8,600,704.

1,650,575

414,980.

118,523

-

2,184,078.

——————

(927,705) ——————

——————

——————

(927,705) ——————

6,602,300 - -— -— -— - -— -— -—

1,599,244.

- -— -— -— - -— -— -—

586,176 - -— -— -— - -— -— -—

1,069,357 - -— -— -— - -— -— -—

9,857,077.

- -— -— -— - -— -— -—

9,903,450 — —— —— —— —— —— —

803,015.

— —— —— —— —— —— —

— —— —— —— —— —— —

— —— —— —— —— —— —

10,706,465.

— —— —— —— —— —— —

11,554,025 — —— —— —— —— —— —

348,668.

— —— —— —— —— —— —

118,523 — —— —— —— —— —— —

— —— —— —— —— —— —

12,021,216.

— —— —— —— —— —— —

Cost 成本 At 1 January 2004 於2004年1月1日 Additions 添置 Disposals 棄置 At 31 December 2004 於2004年12月31日

Accumulated depreciation 累積折舊 At 1 January 2004 於2004年1月1日 Charge for the year 本年度折舊 Disposals 棄置 At 31 December 2004 於 2004年12月31日

Net book value 賬面淨值 At 31 December 2004 於2004年12月31日

At 31 December 2003 於2003年12月31日

Net book value of leased asset - office equipment 租賃資產的賬面淨值 — 辦公室設備 At 31 December 2004 於2004年12月31日 At 31 December 2003 於2003年12月31日

82

22,500.

— —— —— —— —— —— — 45,000.

— —— —— —— —— —— —

2004/2005 HKFI Annual Report • 年報

7. Finance lease obligation

7. 融資租賃承擔 2004 HK$港幣

2003 HK$港幣

31,500.

—— —— —— —— —— — —

49,500.

—— —— —— —— —— — —

Finance lease obligation wholly repayable within five years 於五年內全數清還的有抵押之銀行貸款

8. Notes to cash flow statement Reconciliation of profit before taxation to net cash inflow from operating activities

8. 現金流量表附註 經營活動之現金流入淨額與除稅前盈利 對賬 2004 HK$港幣

2003 HK$港幣

5,734,076.

5,743,758.

2,161,578.

2,310,571.

22,500.

22,500.

(80,862)

(218,538)

3,600.

145,713.

(2,330)

17,210.

-

266.

(92,526)

(160,109)

(402,687)

146,321.

(1,953,260)

(1,352,002)

(1,447,940)

(420,080)

(18,000) ——————

(18,000) ——————

3,924,149.

— —— —— —— —— —— —

6,217,610.

— —— —— —— —— —— —

Profit before taxation 除稅前盈利 Depreciation of owned fixed assets 自置固定資產折舊 Depreciation of leased fixed assets 租賃固定資產折舊 Interest income 利息收入 Interest expenses 利息支出 (Increase)/decrease in inventories 存貨(增加) / 減少 Decrease in amount due from ICCB 收取保險索償投訴局的金額減少 Increase in accounts receivable, prepayments and deposits 應收賬項、預付賬項及按金增加 (Decrease)/increase in accounts payable and accrued charges 應付賬項和應計費用(減少) / 增加 Decrease in registration fees received in advance 預收登記費減少 Decrease in subscription fees received in advance 預收會費減少 Decrease in finance lease obligation 融資租賃責任減少 Net cash inflow from operations 營運的淨現金流量

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9. Analysis of changes in financing during the year As at 1 January 截至1月1日 Repayment of bank loans 償還銀行貸款 As at 31 December 截至12月31日

10. Contingent liability

9. 分析本年度財務變更 2004 HK$ 港幣

2003 HK$ 港幣

-

6,397,176.

——————

(6,397,176) ——————

—— —— —— —— —— — —

—— —— —— —— —— — —

10. 或然負債

An insurance agent, whose registration with the Insurance

一名被保險代理登記委員會撤銷登記

Agents Registration Board was terminated, has launched a

資格的保險代理向保聯提出司法覆

judicial review against the HKFI. Having taken appropriate

核。尋求適當的法律意見後，管治委

legal advice, the Governing Committee believes that there

員會相信事件不會帶來重大的負債。

will not be significant liability arising from this case.

11. Related party transactions

Management and administration support fees received from the ICCB 保險索償投訴局管理及行政支援費用

2004 HK$ 港幣

2003 HK$ 港幣

1,083,000 — —— —— —— —— —— —

1,089,000.

— —— —— —— —— —— —

The HKFI incurs costs on behalf of the ICCB. The above

保聯代保險索償投訴局支付管理及行

fees are re-imbursements of actual and shared costs

政支援費用。上述費用為根據每年更

determined by a contract renewable annually.

新的合約而償付實際和分擔的費用。

12. Approval of accounts

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11. 關連人士交易

12. 賬目通過

The accounts were approved by the Governing

此賬目乃於2005年3月14日經管治委員

Committee on 14 March 2005.

會核准。

Events Highlights 大事紀要

14.5.2004 - 29.4.2005

14. 5. 2004 Mr K P Chan was elected Chairman and Mr Roddy Anderson Deputy Chairman by the Governing Committee.

The HKFI issued a media release to announce the new office-bearers for the term. 保聯管治委員會選出陳健波先生為主席，安德生先生為副主席。 保聯發放新聞稿公布新一屆管治委員會委員名單。

1. 6. 2004 The sixth edition of the Code of Practice for the Administration of Insurance Agents came into effect. 《保險代理管理守則》第六版正式生效。

8. 6. 2004 More than 70 representatives of Life Insurance Members attended the seminar on "International Risks Management" held by the Life Risk Management Working Group. 人壽風險管理工作小組舉辦「國際風險管理」講座，超過70位壽險會員公司代表出席。

10. 6. 2004 The briefing session on "Guidelines of Chinese Medicine Practitioner on Issuing Sick Leave Certificate" attracted more than 70 representatives of General insurance Members writing employees’ compensation insurance. 醫療保險協會舉辦「中醫師簽發病假紙指引」簡介會，超過70位承保僱員補償保險的一般保險會員代表出席。

16. 6. 2004 The HKFI received Mr Li Jingfu, Deputy Director General, and Mr Jiang Zhengzhong, Deputy Director, Institution Supervisory Division of the Jiangsu Bureau of the China Insurance Regulatory Commission. 保聯接待中國保險監督管理委員會江蘇監管局副局長李勁夫先生及機構管理處副處長蔣正忠先生。

85

19. 6. 2004 Around 20 General Insurance Members’ representatives participated in a site visit on latest safety measures, which was arranged by the Provisional Construction Industry Co-ordination Board. 臨時建造業統籌委員會安排約20位承保僱員補償保險的一般保險會員代表到工地視察，了解工地採取的最新安全措 施。

21. 6. 2004 The 2001/2002 version of Choosing the Right Level of Medical Insurance Benefits booklet was released. 保聯出版2001/2002年《你購備了足夠醫療保障嗎？》小冊子。

29. 6. 2004 The Marine Insurance Association held a seminar on "Legal Implications of Incoterms 2000", which was attended by more than 45 representatives of General Insurance Members. 洋面保險公會舉辦「2000貿易常用規條在法律方面的影響」講座，超過45位一般保險會員代表出席。

3. 8. 2004 The Marine Insurance Association invited representatives from the Marine Department to speak at a seminar entitled, "International Ship and Port Facility Security Code in Hong Kong”. Forty-five representatives of General Insurance Members participated. 洋面保險公會邀請海事處代表主講「香港的國際船舶及港口設施安全標準」講座，共45位一般保險會員代表出席。

8. 9. 2004 More than 45 representatives of General Insurance Members attended a seminar on "Mental Illness", which was held by the Medical Insurance Association. 超過45位一般保險會員代表出席醫療保險協會舉辦的「精神病」講座。

15. 9. 2004 The HKFI issued a media release to announce the appointment of Mr Peter C H Tam as its Executive Director. 保聯發放新聞稿公布委任譚仲豪先生為新任總幹事。

86

2004/2005 HKFI Annual Report • 年報

16. 9. 2004 A delegation of five led by Ms He Jingzhi, Chairperson of the Shanghai Insurance Association, visited the HKFI. 上海巿保險同業公會會長何靜芝女士率領五人代表團造訪保聯。

13. 10. 2004 HKFI Chairman Mr K P Chan and Deputy Chairman Mr Roddy Anderson received Mr Patrick Kenny, President and Chief Executive Officer of the International Insurance Society. 保聯主席陳健波先生、副主席安德生先生接待國際保險學會會長兼總裁Patrick Kenny先生。

24 – 26. 10. 2004 More than 400 insurance practitioners from the Mainland, Taiwan and Hong Kong attended the Cross-strait and Hong Kong Insurance Business Conference at Taipei. 超過400位來自內地、台灣及香港的保險從業員出席在台北舉行的「兩岸三地」保險業交流與合作會議。

87

29. 10. 2004 The HKFI held a media conference to inform the public of its position regarding the desirability and feasibility of establishing a centralized Employees' Compensation insurance scheme in Hong Kong. 保聯舉行新聞發布會，就建議成立中央僱員補償制度的可行性和可取性，闡釋保聯的立場。

10. 11. 2004 HKFI Chairman Mr K P Chan, LIC Chairman Mr Richard Ip and Governing Committee Member Mr Terry Lo received six officials from the National Development and Reform Commission. 保聯主席陳健波先生、壽險總會主席葉康民先生、保聯管治委員會委員老建榮先生接待國家發展和改革委員會六位 官員。

16. 11. 2004 The HKFI received a delegation of 30 from various Mainland insurance organizations, which was headed by Mr Wu Wenfu, Chief Editor of Insurance Review. 《保險研究》雜誌主編胡文富先生率領30名來自不同省份的保險機構代表造訪保聯。

22. 11. 2004 Ms Ai Youming, Director of Beijing Insurance Association, paid HKFI a courtesy visit. 北京保險行業協會理事艾幼明女士造訪保聯。

88

2004/2005 HKFI Annual Report • 年報

29. 11. 2004 The HKFI invited representatives from the Insurance Authority, accounting and actuarial experts to speak at a briefing on New Accounting Rules - IFRS4 and IAS39. 保聯邀請保監代表、會計及精算專家主講「國際財務報告準則第4號、國際會計準則第39號兩條全新會計規例」簡 介會。

30. 11. 2004 Two Guidance Notes on the compliance with the requirements of the Continuing Professional Development Programme came into effect. 兩份關於申報遵守持續專業培訓計劃要求的指引正式生效。

1. 12. 2004 More than 110 representatives from 65 Member Companies attended a briefing on the Guidance Note on Compliance with Requirements of the Continuing Professional Development Programme. 保聯舉辦「符合持續專業培訓計劃要求指引」簡報會，共有65家會員公司派出110多位代表參加。

89

10. 12. 2004 The HKFI held an Extraordinary General Meeting to approve the subscription fee scales for 2005. Following the Extraordinary General Meeting was the annual cocktail party, which was attended by more than 110 guests and Member representatives. 保聯舉行特別會員大會通過2005年會費費率。會後隨即舉行周年酒會，出席嘉賓和會員代表逾110人。

14. 12. 2004 More than 50 representatives of General Insurance Members attended a seminar on "Congenital Diseases", which was organized by the Medical Insurance Association. 超過50位一般保險會員代表參加醫療保險協會舉辦的「先天性疾病」講座。

15. 12. 2004 The Marine Insurance Association held a seminar on "Marine Laws relating to Carriage of Goods by Sea, the Athens Convention and the York-Antwerp Rules". Around 45 representatives of General Insurance Members attended. 洋面保險公會舉辦「關於海上運輸貨物、雅典公約、約克-安特衛普規例的海事法」講座，約有45位一般保險會員 代表參加。

90

2004/2005 HKFI Annual Report • 年報

16. 12. 2004 The HKFI, in conjunction with the Insurance Authority, the Hong Kong Confederation of Insurance Brokers and Professional Insurance Brokers Associations, held a media conference to announce the implementation of the new Customer Protection Declaration Form. 保聯聯同保險業監督、香港保險顧問聯會和香港專業保險經紀協會舉行新聞發布會，公布推出新版《客戶保障聲明 書》。

28. 12. 2004 Right after the Asia Tsunamis, the HKFI set up a telephone hot-line for insured travellers affected by earthquakes and tidal waves and issued a media release to announce it. 發生南亞海嘯之後，保聯旋即設立查詢熱線，協助受是次地震海嘯影響的受保旅客，並發放新聞稿公布有關訊息。

91

31. 12. 2004 The HKFI issued a media release to announce the donation of HK$500,000 to the Hong Kong Red Cross to support its relief operations for victims affected by earthquakes and tsunamis in Asia. 保聯發放新聞稿宣布捐出港幣50萬元，支持香港紅十字會的南亞地震海嘯賑災工作。

1. 1. 2005 The 2005 version of the Code of Practice for Life Insurance Replacement and the Customer Protection Declaration Form promulgated by the Life Insurance Council came into effect. 壽險總會頒布的新版《壽險轉保守則》和《客戶保障聲明書》正式生效。

8. 1. 2005 The HKFI Chairman K P Chan attended a media conference to affirm our industry's support of the initiative of the Urban Renewal Authority to promote better building management. 保聯主席陳健波先生出席新聞發布會，落實業界支持市區重建局推出改善樓宇管理的最新措施，鼓勵良好的樓宇管 理。

92

2004/2005 HKFI Annual Report • 年報

17. 1. 2005 The HKFI issued a media release to announce the appointment of Mr Ambrose Cheung, JP, as the new Chairman of the Insurance Agents Registration Board. 保聯發放新聞稿公布委任張永森太平紳士為新任保險代理登記委員會主席。

18. 1. 2005 The Marine Insurance Association organized a seminar on "Local Craft and Insurance Aspect", which was attended by more than 40 representatives. 洋面保險公會舉辦「本地船隻及其保險事宜」講座，出席的一般保險會員代表超過40人。

19. 1. 2005 The General Insurance Council joined the Occupational Safety and Health Council in launching the Occupational Safety and Health Partnership Program for catering industry. 一般保險總會與職業安全健康局為飲食業舉辦的「職業安全健康夥伴計劃」正式展開。

4. 2. 2005 More than 45 representatives from 38 General Insurance Member Companies attended a briefing on "Financial Review of Hong Kong's Insurance System". 三十八家一般保險會員公司派出超過45位代表出席「香港保險制度財務回顧」簡介會。

93

18. 2. 2005 A briefing session was held at the Occupational Safety and Health Council to introduce the "HKFI Award for Excellence in OSH". 職業安全健康局舉行簡介會，介紹「香港保險業聯會職安健大獎」 。

19. 2. 2005 The HKFI sponsored the 12th Green Power Hike. Together with its Member Companies, the HKFI have raised a total of HK$100,000 in this charitable walkathon. 保聯支持第十二屆綠色力量慈善環島行，保聯與會員公司為是次善舉合共籌得港幣10萬港元。

25. 2. 2005 The Insurance Agents Registration Board issued "Checklist of Registration Documents" for the information of prospective registered persons. 保險代理登記委員會發出「遞交文件清單」，供申請登記人士參考。

27. 2. 2005 The HKFI Chairman Mr K P Chan officiated at the Occupational Safety and Health Carnival, which marked the launch of the Catering Strategic Partnership Programme. 保聯主席陳健波先生任「飲食業全心實踐職安健嘉年華」的主禮嘉賓，為「飲食業策略夥伴計劃」揭開序幕。

94

2004/2005 HKFI Annual Report • 年報

28. 2. 2005 At a seminar held by the Labour Department, the HKFI Chairman K P Chan spoke, from the insurance perspective, on "Rehabilitation and Return to Work for Injured Employees" 保聯主席陳健波先生出席由勞工處舉辦的「自願復康計劃」研討會，從保險角度簡介「受傷僱員自願復康計劃」 。

4. 3. 2005 More than 55 representatives of Life Insurance Members attended the seminar on "Preferred Life and Claims Handling for Disasters", which was organized by the Life Risk Management Working Group. 人壽風險管理工作舉辦「優良風險人壽產品及處理有關天災的索償」講座，出席的壽險會員代表超過55人。

18. 3. 2005 The HKFI received Mr Yoshihiro Kawai, Secretary General of International Association of Insurance Supervisors. 保聯接待國際保險監督聯會秘書長 Yoshihiro Kawai先生。

7. 4. 2005 More than 320 guests and representatives of Members Companies attended the HKFI 2005 Annual Dinner. The Honourable Frederick Ma, JP, Secretary for Financial Services and the Treasury, was the Guest-of-honour. 保聯舉行年2005年周年晚宴，出席的嘉賓和會員代表超過320人，主禮嘉賓為財經事務及庫務局局長馬時亨太平紳 士。

95

11 – 12. 4. 2005 The HKFI issued a media release to announce the eight award winners of the 2004/2005 HKFI Scholarships. A supplement introducing the HKFI Educational Trust programme was issued in Ming Pao Daily News. 保聯發放新聞稿公布2004/2005年度保聯獎學金的八位得主，並於《明報》刊登特刊，介紹保聯教育基金。

13. 4. 2005 The Statement of Best Practice on Applying Pre-existing Conditions and Exclusions was released to assist Member Companies in complying with the anti-discrimination laws. 保聯發放《應用投保前已存在疾病和豁免條款實務守則》 ，協助會員公司遵行各項反歧視法例。

15. 4. 2005 The technical associations of the General Insurance Council elected chairmen and deputy chairmen for the 2005/2006 term: 一般保險總會屬下的技術公會選出2005/2006年度主席及副主席，如下：

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Accident Insurance Association

意外保險公會

Mr Jimmy Poon, Chairman

主席

潘榮輝先生

Ms Mandy Lo, Deputy Chairperson

副主席

盧淑嫻女士

Fire Insurance Association

火險公會

Ms Teresa Ma, Chairperson

主席

馬愛華女士

Ms Bonny Law, Deputy Chairperson

副主席

羅翠玲女士

Marine Insurance Association

洋面保險公會

Ms Vivian Ho, Chairperson

主席

何沛玲女士

Ms Shirley Hung, Deputy Chairperson

副主席

鴻夢捷女士

Medical Insurance Association

醫療保險協會

Ms Agnes Ho, Chairperson

主席

何錦霞女士

Mr James Leung, Deputy Chairman

副主席

梁蔭滔先生

2004/2005 HKFI Annual Report • 年報

19. 4. 2005 The HKFI, in conjunction with the Independent Commission Against Corruption, organized a seminar on "Sharpen Your Edge with Professional Ethics". More than 65 Members’ representatives attended. 保聯和廉政公署合辦「專業誠信競爭優勢」講座，超過65位會員公司代表出席。

28. 4. 2005 More than 40 General Insurance Members attended the seminar on "Export & Credit Insurance - Introduction, Policy Wordings, Trade Finance and Easy-link", which was held by the Marine Insurance Association. 洋面保險公會舉辦「出口信用保險—簡介、保單詞彙、貿易財務與信保易」講座，超過40位一般保險會員代表出席。

29. 4. 2005 Councillors-designate of the 2005/2006 General Insurance Council elected Mr Leo Ma Chairman and Ms Agnes Koon Deputy Chairman.

Mr Raymond Chan was elected Chairman, and Mr M K Cheng Deputy Chairman by Councillors-designate of the 2005/2006 Life Insurance Council.

The Tenth HKFI Annual General Meeting took place.

2005/2006年度一般保險總會侯任委員選出馬陳鏗先生為總會主席、管胡金愛女士為副主席。 2005/2006年度壽險總會侯任委員陳炳根先生獲選為總會主席、鄭文光先生為副主席。 保聯舉行第十屆周年會員大會。

97

Members List 會員名錄

29.4.2005

GENERAL INSURANCE MEMBERS

一般保險會員

ACE Insurance Limited

安達保險有限公司

Allianz Insurance (Hong Kong) Limited

安聯保險(香港)有限公司

Allianz Marine & Aviation (France)

Allianz Marine & Aviation (France)

American Home Assurance Company

美安保險公司

Anglo Starlite Insurance Company Limited

星輝保險有限公司

Asia Insurance Company Limited

亞洲保險有限公司

Assicurazioni Generali S.p.A.

忠利保險有限公司

Aviva General Insurance Limited

英傑華一般保險有限公司

AXA China Region Insurance Company (Bermuda) Limited AXA General Insurance Hong Kong Limited

安盛保險有限公司

AXA RE

AXA RE

Bank of China Group Insurance Company Limited

中銀集團保險有限公司

Blue Cross (Asia-Pacific) Insurance Limited

藍十字(亞太)保險有限公司

British Marine Luxembourg S.A.

British Marine Luxembourg S.A.

BUPA (Asia) Limited

98

CAF International Insurance Company Limited

農銀國際保險有限公司

California Insurance Company Limited

加洲保險有限公司

Canadian Insurance Company Limited

加拿大保險有限公司

Chevalier Insurance Company Limited

其士保險有限公司

China Communications Insurance Company Limited

中國交通保險有限公司

2004/2005 HKFI Annual Report • 年報

China International Reinsurance Company Limited

中國國際再保險有限公司

China Merchants Insurance Company Limited

招商局保險有限公司

China Overseas Insurance Limited

中國海外保險有限公司

China Pacific Insurance Company (Hong Kong) Limited

中國太平洋保險(香港)有限公司

China Ping An Insurance (Hong Kong) Company Limited

中國平安保險(香港)有限公司

Cologne Reinsurance Company plc

德國科隆再保險公司

Compagnie Francaise D' Assurance Pour Le Commerce ’ Exterieur (COFACE) Hong Kong Branch

Compagnie Francaise D' Assurance Pour Le ’ Commerce Exterieur (COFACE) Hong Kong Branch

Concord Insurance Company Limited

合群保險有限公司

Dah Sing General Insurance Company Limited

大新保險有限公司

Dao Heng Insurance Company Limited

道亨保險有限公司

Euler Hermes Kreditversicherungs-AG, Hong Kong Branch

裕利安宜信用保險股份公司香港分行

Falcon Insurance Company (Hong Kong) Limited

富勤保險 (香港)有限公司

Federal Insurance Company

聯邦保險公司

First American Title Insurance Company

First American Title Insurance Company

GAN Assurances IARD

GAN Assurances IARD

GE Frankona Reinsurance A/S

安裕再保險有限公司

Gerling General Insurance Company

德國保險

Hang Seng Insurance Company Limited HSBC Insurance (Asia) Limited HSBC Medical Insurance Limited

99

ING General Insurance International

安泰保險有限公司

Intercargo Insurance Company Hong Kong Limited

Intercargo Insurance Company Hong Kong Limited

Jerneh Insurance (Hong Kong) Limited

澄心保險(香港)有限公司

Kono Insurance Limited

工安保險有限公司

Liberty International Insurance Limited

利寶國際保險有限公司

Liu Chong Hing Insurance Company Limited

廖創興保險有限公司

Lloyd's

勞合社

Malayan International Insurance Corporation Limited

中華保險集團

Min Xin Insurance Company Limited

閩信保險有限公司

The Ming An Insurance Company (Hong Kong) Limited

香港民安保險有限公司

Mitsui Sumitomo Insurance Company (Hong Kong) Limited

三井住友海上火災保險(香港)有限公司

Munich Reinsurance Company Hong Kong Branch

慕尼黑再保險公司香港分公司

National Insurance Company Limited

國民保險有限公司

The New India Assurance Company Limited

新印度保險有限公司

Nipponkoa Insurance Company (Asia) Limited

日本興亞保險(亞洲)有限公司

Nissay Dowa General Insurance Company Limited

日生同和損害保險株式會社

The Pacific Insurance Company Limited

太平洋保險有限公司

Paofoong Insurance Company (Hong Kong) Limited

寶豐保險(香港)有限公司

Partner Reinsurance Company Limited

Partner Reinsurance Company Limited

The People's Insurance Company of China (Hong Kong),

中國人民保險(香港)有限公司

Limited Pioneer Insurance & Surety Corporation 100

信孚保險有限公司

2004/2005 HKFI Annual Report • 年報

The Prudential Assurance Company Limited

英國保誠保險有限公司

QBE Hongkong & Shanghai Insurance Limited

昆士蘭聯保保險有限公司

Royal & Sun Alliance Insurance (Hong Kong) Limited

皇家太陽聯合保險(香港)有限公司

SCOR Reinsurance Company (Asia) Limited

法國再保險(亞洲)有限公司

The Sincere Insurance and Investment Company Limited

先施保險置業有限公司

Sompo Japan Insurance Inc.

Sompo Japan Insurance Inc.

Sompo Japan Reinsurance Company Limited

Sompo Japan Reinsurance Company Limited

Summit Insurance (Asia) Limited Sun Hung Kai Properties Insurance Limited

新鴻基地產保險有限公司

Swiss Reinsurance Company

瑞士再保險公司

The Symbol Underwriters Limited

先寶保險有限公司

Target Insurance Company Limited

泰加保險有限公司

Through Transport Mutual Insurance Association (Eurasia)

聯運保賠協會

Limited The Toa Reinsurance Company Limited

東亞再保險有限公司

The Tokio Marine & Fire Insurance Company (Hong Kong)

東京海上火災保險(香港)有限公司

Limited Tokio Marine & Nichido Fire Insurance Company Limited

Tokio Marine & Nichido Fire Insurance Company Limited

Transatlantic Reinsurance Company

大西洋再保險有限公司

Trans-Ocean Insurance Company Limited

遠洋保險有限公司

Trinity General Insurance Company Limited

三聯保險有限公司

Tugu Insurance Company Limited

德高保險有限公司

101

United Builders Insurance Company Limited

建安保險有限公司

United Guaranty Mortgage Indemnity Company

United Guaranty Mortgage Indemnity Company

United Kingdom Mutual Steam Ship Assurance Association

聯合皇國保賠協會

(Bermuda) Limited Wing Hang Zurich Insurance Company Limited

永亨蘇黎世保險有限公司

Wing Lung Insurance Company Limited

永隆保險有限公司

XL Insurance Company Limited

XL Insurance Company Limited

Zurich Insurance Company

Zurich Insurance Company

LIFE INSURANCE MEMBERS

壽險會員

American International Assurance Company (Bermuda) Limited

美國友邦保險(百慕達)有限公司

Asia Insurance Company Limited

亞洲保險有限公司

Assicurazioni Generali S.p.A.

忠利保險有限公司

Aviva Life Insurance Company Limited

英傑華人壽保險有限公司

AXA China Region Insurance Company (Bermuda) Limited

102

Blue Cross (Asia-Pacific) Insurance Limited

藍十字(亞太)保險有限公司

BOC Group Life Assurance Company Limited

中銀集團人壽保險有限公司

Canada Life Limited

Canada Life Limited

China Life Insurance (Overseas) Company Limited

中國人壽保險(海外)股份有限公司

Hong Kong Branch

香港分公司

CIGNA Worldwide Insurance Company

信諾環球保險公司

Citi Fubon Life Insurance Company Hong Kong Limited

香港富邦花旗人壽保險有限公司

2004/2005 HKFI Annual Report • 年報

Clerical Medical Investment Group Limited

Clerical Medical Investment Group Limited

CMG Asia Limited

康聯亞洲有限公司

Crown Life Insurance Company

皇冠人壽

Dah Sing Life Assurance Company Limited

大新人壽保險有限公司

Desjardins Financial Security Life Assurance Company

Desjardins Financial Security Life Assurance Company

Friends Provident International Limited

友誠國際有限公司

Generali International Limited

Generali International Limited

Hang Seng Life Limited Hannover R˙u̇ckversicherungs-AG

漢諾威再保險股份公司

Hong Kong Life Insurance Limited

香港人壽保險有限公司

HSBC Life (International) Limited

(國際)有限公司

ING Life Insurance Company (Bermuda) Limited

安泰人壽保險 (百慕達)有限公司

Liberty International Insurance Limited

利寶國際保險有限公司

Manulife (International) Limited

宏利人壽保險(國際)有限公司

MassMutual Asia Limited

美國萬通保險亞洲有限公司

Metropolitan Life Insurance Company of Hong Kong Limited

美商大都會人壽保險香港有限公司

MLC (Hong Kong) Limited

萬誠保險(香港)有限公司

Munich Reinsurance Company Hong Kong Branch

慕尼黑再保險公司香港分公司

New York Life Insurance Worldwide Limited

紐約人壽環球保險有限公司

Pacific Century Insurance Company Limited

盈科保險有限公司

The Pacific Life Assurance Company Limited

太平洋人壽保險有限公司

103

Principal Insurance Company (Hong Kong) Limited

美國信安保險有限公司

The Prudential Assurance Company Limited

英國保誠保險有限公司

QBE Hongkong & Shanghai Insurance Limited

昆士蘭聯保保險有限公司

RGA Reinsurance Company

RGA Reinsurance Company

Scottish Provident International Life Assurance Limited

Scottish Provident International Life Assurance Limited

104

Standard Life (Asia) Limited

標準人壽保險(亞洲)有限公司

Sun Life Financial (Hong Kong) Limited

永明金融(香港)有限公司

Swiss Reinsurance Company

瑞士再保險公司

Transamerica Occidental Life Insurance Company

全美人壽保險公司

Winterthur Life

瑞士豐泰人壽保險

Zurich Assurance Ltd

Zurich Assurance Ltd

Zurich International Life Limited

Zurich International Life Limited

Zurich Life Insurance Company Limited

蘇黎世人壽保險有限公司