金融监管总局于2026年9月4日发布《中华人民共和国保险法修订草案征求意见稿》，这是保险法时隔十六年后的一次系统性大修1。修订草案自发布之日起进行为期一个月的公开征求意见1。
修订草案围绕强化消费者保护做出多项重要调整1。将犹豫期制度、销售误导治理、免责条款说明等已被证明有效的行业实践提升为法律条文1，同时增加了个人信息保护的相关规则1。这些举措体现了消费者保护理念从形式平等向实质公平的转变1。
在监管层面，修订草案强化了股东穿透监管、审慎监管和风险防控机制1。新设保险公司的注册资本最低要求从2亿元提升至10亿元1。总体而言，修订草案标志着保险法体系从行业发展法向风险治理法的转变1。
On September 4, 2026, China's Financial Regulatory Administration released the draft revision of the Insurance Law for public comment, marking the first systematic overhaul of the legislation in sixteen years.1 This comprehensive reform represents only the second major revision since the law took effect three decades ago, signaling a significant shift in regulatory priorities.1
The draft revision strengthens consumer protections by elevating established industry practices into binding legal requirements.1 Key measures include formalizing the cooling-off period system, establishing rules to combat sales misconduct, and mandating detailed explanations of policy exclusions.1 Additionally, the revision introduces new provisions safeguarding personal information and raises minimum registered capital for newly established insurance companies from 2 billion yuan to 10 billion yuan.1 These changes reflect a transition from legislation focused primarily on industry development toward a framework centered on risk management and prudential oversight.1
The amendment introduces stricter controls on shareholder oversight and enhanced risk prevention mechanisms while advancing consumer protection from formal equality toward substantive fairness.1 The public comment period for the draft is set for one month.1
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