{"id":5057,"date":"2026-02-12T03:00:00","date_gmt":"2026-02-12T03:00:00","guid":{"rendered":"https:\/\/zxhig.com\/?p=5057"},"modified":"2026-03-05T03:03:55","modified_gmt":"2026-03-05T03:03:55","slug":"communique-commission-nationale-pour-le-developpement-et-la-reforme-administration-generale-de-la-surveillance-financiere-administration-de-laviation-civile-chinoise","status":"publish","type":"post","link":"https:\/\/www.zxhig.com\/fr\/industry-policies\/5057\/","title":{"rendered":"Publication \u2502 Avis de mise en \u0153uvre de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, de l'Administration g\u00e9n\u00e9rale de la surveillance financi\u00e8re et de l'Administration de l'aviation civile de Chine concernant la promotion d'un d\u00e9veloppement de qualit\u00e9 dans le domaine de l'assurance pour le vol \u00e0 basse altitude"},"content":{"rendered":"

Source : Administration de l'aviation civile chinoise<\/em><\/p>\n\n\n\n

Publication \u2502 Avis de mise en \u0153uvre de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, de l'Administration g\u00e9n\u00e9rale de la surveillance financi\u00e8re et de l'Administration de l'aviation civile de Chine concernant la promotion d'un d\u00e9veloppement de qualit\u00e9 dans le domaine de l'assurance pour le vol \u00e0 basse altitude<\/strong><\/p>\n\n\n\n

Commissions du d\u00e9veloppement et de la r\u00e9forme des provinces, des autonomies, des municipalit\u00e9s directement plac\u00e9es sous l'autorit\u00e9 centrale, des villes \u00e0 statut particulier et du Corps de production et de construction du Xinjiang ; toutes les autorit\u00e9s de surveillance financi\u00e8re ; toutes les administrations r\u00e9gionales de l'aviation civile :<\/p>\n\n\n\n

L'assurance \u00ab espace a\u00e9rien \u00e0 basse altitude \u00bb est un type d'assurance dont l'objectif principal est de couvrir les activit\u00e9s de vol \u00e0 basse altitude. Elle offre une protection contre les risques li\u00e9s \u00e0 la fabrication et \u00e0 l'exploitation d'a\u00e9ronefs volant \u00e0 basse altitude, \u00e0 la construction d'infrastructures dans cet espace, ainsi qu'\u00e0 divers services sp\u00e9cialis\u00e9s. Elle rev\u00eat une importance capitale pour la mise en place d'un syst\u00e8me de gestion de la s\u00e9curit\u00e9 dans l'espace a\u00e9rien \u00e0 basse altitude, le renforcement des fondements d'un d\u00e9veloppement \u00e9conomique s\u00fbr dans ce domaine et la promotion d'un d\u00e9veloppement de qualit\u00e9 de l'\u00e9conomie de l'espace a\u00e9rien \u00e0 basse altitude. Conform\u00e9ment aux d\u00e9cisions et orientations du Comit\u00e9 central du Parti communiste chinois et du Conseil d\u2019\u00c9tat, et en vertu de la \u00ab Loi sur l\u2019assurance de la R\u00e9publique populaire de Chine \u00bb, de la \u00ab Loi sur l\u2019aviation civile de la R\u00e9publique populaire de Chine \u00bb et du \u00ab R\u00e8glement provisoire sur la gestion des vols d\u2019a\u00e9ronefs sans pilote \u00bb, entre autres textes l\u00e9gislatifs et r\u00e9glementaires, les pr\u00e9sentes mesures d\u2019application sont \u00e9labor\u00e9es.<\/p>\n\n\n\n

I. Exigences g\u00e9n\u00e9rales<\/p>\n\n\n\n

En nous inspirant de la pens\u00e9e de Xi Jinping sur le socialisme avec caract\u00e9ristiques chinoises pour la nouvelle \u00e8re, en appliquant pleinement l\u2019esprit du 20e Congr\u00e8s du Parti et de toutes les r\u00e9unions pl\u00e9ni\u00e8res de sa 20e session, en privil\u00e9giant une planification syst\u00e9matique, des avanc\u00e9es cibl\u00e9es, une mise en \u0153uvre coordonn\u00e9e et progressive, nous acc\u00e9l\u00e9rerons la mise en place d\u2019un syst\u00e8me d\u2019assurance pour le vol \u00e0 basse altitude offrant une couverture \u00e9tendue, une protection solide, des services sp\u00e9cialis\u00e9s et un march\u00e9 r\u00e9glement\u00e9, afin de mieux servir le d\u00e9veloppement s\u00fbr et sain de l\u2019\u00e9conomie du vol \u00e0 basse altitude. D\u2019ici 2027, le syst\u00e8me d\u2019assurance responsabilit\u00e9 civile obligatoire pour les a\u00e9ronefs sans pilote sera initialement mis en place, et l\u2019offre de produits d\u2019assurance pour le vol \u00e0 basse altitude s\u2019enrichira continuellement afin de mieux r\u00e9pondre aux besoins de couverture des diff\u00e9rents sc\u00e9narios d\u2019application ; d\u2019ici 2030, le cadre politique de l\u2019assurance pour le vol \u00e0 basse altitude sera globalement \u00e9tabli, et son r\u00f4le de garantie pour le d\u00e9veloppement s\u00fbr et sain de l\u2019\u00e9conomie du vol \u00e0 basse altitude ne cessera de se renforcer.<\/p>\n\n\n\n

II. Renforcer le syst\u00e8me de politiques d'assurance pour le vol \u00e0 basse altitude<\/p>\n\n\n\n

(1) Renforcer l\u2019orientation par la planification. Les autorit\u00e9s comp\u00e9tentes doivent int\u00e9grer l\u2019assurance dans la planification du d\u00e9veloppement de l\u2019\u00e9conomie du ciel bas et dans le cadre g\u00e9n\u00e9ral de la mise en place des institutions, et promouvoir l\u2019am\u00e9lioration des lois et r\u00e9glementations pertinentes. Elles doivent guider les autorit\u00e9s locales afin qu\u2019elles tirent pleinement parti, dans le cadre du d\u00e9veloppement de l\u2019\u00e9conomie du ciel bas, des fonctions de l\u2019assurance telles que l\u2019indemnisation des sinistres, la gestion des risques et l\u2019optimisation de l\u2019\u00e9cosyst\u00e8me, et les encourager \u00e0 int\u00e9grer l\u2019assurance dans leur syst\u00e8me de politiques locales de d\u00e9veloppement de l\u2019\u00e9conomie du ciel bas, en adoptant des mesures de soutien adapt\u00e9es aux sp\u00e9cificit\u00e9s locales pour favoriser le d\u00e9veloppement de l\u2019assurance dans ce domaine. (Sous la responsabilit\u00e9 de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, avec la participation de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re et de l\u2019Administration de l\u2019aviation civile de Chine. Les mesures suivantes doivent toutes \u00eatre mises en \u0153uvre par les autorit\u00e9s comp\u00e9tentes au niveau provincial et ne sont donc pas \u00e9num\u00e9r\u00e9es s\u00e9par\u00e9ment.)<\/p>\n\n\n\n

(2) Int\u00e9gration dans les r\u00e8gles de surveillance de la s\u00e9curit\u00e9. Les autorit\u00e9s comp\u00e9tentes de chaque secteur concern\u00e9 doivent perfectionner les r\u00e8gles de surveillance de leur secteur, prendre des mesures efficaces pour faire de l\u2019assurance un moyen important de renforcer la surveillance de la s\u00e9curit\u00e9 de l\u2019exploitation des applications et d\u2019am\u00e9liorer le syst\u00e8me de traitement des accidents, afin de favoriser le d\u00e9veloppement ordonn\u00e9 des applications de l\u2019\u00e9conomie du vol \u00e0 basse altitude. (Sous la direction de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, avec la participation des secteurs concern\u00e9s)<\/p>\n\n\n\n

(3) Encourager le recours aux m\u00e9canismes d\u2019assurance. Les autorit\u00e9s comp\u00e9tentes de chaque secteur concern\u00e9 doivent activement favoriser la mise en ad\u00e9quation de l\u2019offre et de la demande, et favoriser le d\u00e9veloppement d\u2019un \u00e9cosyst\u00e8me d\u2019assurance d\u00e9di\u00e9 au secteur du vol \u00e0 basse altitude. Il convient d\u2019encourager les entreprises de ce secteur, en particulier celles sp\u00e9cialis\u00e9es dans la fabrication et l\u2019exploitation d\u2019a\u00e9ronefs volant \u00e0 basse altitude, \u00e0 consid\u00e9rer la souscription d\u2019une assurance comme un \u00e9l\u00e9ment essentiel du perfectionnement de leur syst\u00e8me interne de gestion de la s\u00e9curit\u00e9. Il faut inciter les entreprises chefs de file de la cha\u00eene de valeur de l\u2019\u00e9conomie du vol \u00e0 basse altitude \u00e0 coordonner, par le biais de l\u2019assurance, les activit\u00e9s des entreprises en amont et en aval, afin de r\u00e9duire les co\u00fbts li\u00e9s aux risques de la cha\u00eene de valeur. Soutenir les petites et moyennes entreprises dans leur recours \u00e0 l\u2019assurance afin de renforcer leur capacit\u00e9 \u00e0 se pr\u00e9munir contre les risques li\u00e9s \u00e0 l\u2019innovation et au d\u00e9veloppement. Encourager les entit\u00e9s utilisant des a\u00e9ronefs sans pilote de type micro ou l\u00e9ger pour des activit\u00e9s de vol \u00e0 but non commercial \u00e0 souscrire une assurance responsabilit\u00e9 civile. (Sous la direction de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, avec la participation du minist\u00e8re de l\u2019Industrie et de l\u2019Informatisation et de l\u2019Administration de l\u2019aviation civile de Chine)<\/p>\n\n\n\n

III. Acc\u00e9l\u00e9rer la mise en place d'un syst\u00e8me d'assurance responsabilit\u00e9 civile obligatoire pour les a\u00e9ronefs sans pilote<\/p>\n\n\n\n

(IV) Renforcer la gestion tout au long de la cha\u00eene. Pour les a\u00e9ronefs sans pilote devant \u00eatre assur\u00e9s conform\u00e9ment \u00e0 la l\u00e9gislation et \u00e0 la r\u00e9glementation, veiller \u00e0 ce que l\u2019obligation d\u2019assurance soit int\u00e9gr\u00e9e comme condition pr\u00e9alable \u00e0 l\u2019examen dans les proc\u00e9dures de gestion telles que l\u2019autorisation des activit\u00e9s de vol ; renforcer la v\u00e9rification de la couverture d\u2019assurance dans la gestion des op\u00e9rations de vol ; et, lors du traitement des accidents, \u201c toujours v\u00e9rifier avant toute sanction \u201d. \u00c9tudier la mise en place de dispositions r\u00e9glementaires relatives \u00e0 l\u2019assurance obligatoire, notamment en ce qui concerne les entit\u00e9s responsables, la d\u00e9termination des responsabilit\u00e9s et les proc\u00e9dures de traitement. (Sous la direction de l\u2019Administration de l\u2019aviation civile chinoise, avec la participation de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re et d\u2019autres d\u00e9partements concern\u00e9s)<\/p>\n\n\n\n

(5) \u00c9laborer des mesures d\u2019application. \u00c9laborer, conform\u00e9ment \u00e0 la loi, des mesures d\u2019application relatives \u00e0 l\u2019assurance responsabilit\u00e9 civile obligatoire pour les a\u00e9ronefs sans pilote ; d\u00e9finir, selon le principe de la ma\u00eetrise des risques, l\u2019\u00e9tendue des responsabilit\u00e9s de base et les limites minimales de couverture ; et mettre en place un syst\u00e8me complet de mesures d\u2019accompagnement pour l\u2019assurance responsabilit\u00e9 civile obligatoire des a\u00e9ronefs sans pilote. (Sous la responsabilit\u00e9 de l\u2019Administration de l\u2019aviation civile de Chine, avec la participation de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme et de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re) Publier des clauses types d\u2019assurance responsabilit\u00e9 civile pour les a\u00e9ronefs sans pilote et \u00e9tudier l\u2019\u00e9laboration de lignes directrices en mati\u00e8re de services. (Sous la responsabilit\u00e9 de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re)<\/p>\n\n\n\n

IV. Renforcement du syst\u00e8me de garantie des services<\/p>\n\n\n\n

(VI) Optimiser la couverture d\u2019assurance sur l\u2019ensemble de la cha\u00eene de valeur. Encourager les compagnies d\u2019assurance \u00e0 s\u2019adapter de mani\u00e8re proactive aux tendances de d\u00e9veloppement de l\u2019\u00e9conomie du vol \u00e0 basse altitude, et \u00e0 mettre progressivement en place un syst\u00e8me de produits d\u2019assurance couvrant l\u2019ensemble de la cha\u00eene de valeur, notamment la R&D et les essais, la fabrication, l\u2019exploitation a\u00e9rienne, ainsi que les infrastructures connexes. Explorer le d\u00e9veloppement de produits et l\u2019innovation en mati\u00e8re de services visant \u00e0 couvrir les nouveaux risques li\u00e9s au vol \u00e0 basse altitude, notamment la s\u00e9curit\u00e9 des vols, la s\u00e9curit\u00e9 technique, la s\u00e9curit\u00e9 des r\u00e9seaux et des donn\u00e9es, la s\u00e9curit\u00e9 environnementale et des installations, ainsi que la s\u00e9curit\u00e9 des op\u00e9rations humaines. Renforcer l\u2019offre d\u2019assurance pour les a\u00e9ronefs sans pilote de taille moyenne et grande, tout en optimisant et en perfectionnant davantage l\u2019offre d\u2019assurance pour les a\u00e9ronefs pilot\u00e9s traditionnels, afin de favoriser la mise en place d\u2019un syst\u00e8me de couverture suffisant et d\u2019un service efficace. Utiliser activement les technologies \u00e9mergentes afin de mettre progressivement en place une gestion en ligne, pratique et intelligente, de l\u2019ensemble du processus d\u2019assurance des drones micro, l\u00e9gers et de petite taille. Int\u00e9grer les ressources sp\u00e9cialis\u00e9es, optimiser la souscription et le r\u00e8glement des sinistres, et am\u00e9liorer la satisfaction des consommateurs. Renforcer le soutien en mati\u00e8re d\u2019assurance-cr\u00e9dit \u00e0 l\u2019exportation, d\u2019assurance responsabilit\u00e9 civile des produits export\u00e9s et de r\u00e9assurance, afin de favoriser l\u2019expansion des applications \u00e0 l\u2019\u00e9tranger du secteur du vol \u00e0 basse altitude. (Sous la responsabilit\u00e9 de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re)<\/p>\n\n\n\n

(7) Sc\u00e9narios d'application des services cibl\u00e9s. Pour divers sc\u00e9narios d\u2019application tels que les op\u00e9rations agricoles et foresti\u00e8res, les inspections \u00e0 basse altitude, la cartographie et les lev\u00e9s topographiques, la logistique \u00e0 basse altitude, le transport a\u00e9rien \u00e0 basse altitude, la gestion urbaine, la gestion des urgences, les secours m\u00e9dicaux, le tourisme a\u00e9rien \u00e0 basse altitude et les sports a\u00e9riens, fournir une couverture d\u2019assurance cibl\u00e9e en fonction du stade de d\u00e9veloppement du sc\u00e9nario, des types de risques et des besoins en mati\u00e8re de gestion des risques, afin de promouvoir l\u2019am\u00e9lioration des m\u00e9canismes de traitement des accidents et de partage des pertes. (La Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re et l\u2019Administration de l\u2019aviation civile de Chine en sont responsables conform\u00e9ment \u00e0 la r\u00e9partition de leurs attributions.)<\/p>\n\n\n\n

V. Renforcer la capacit\u00e9 des compagnies d'assurance \u00e0 exercer leurs activit\u00e9s de mani\u00e8re durable<\/p>\n\n\n\n

(8) Faire progresser l\u2019infrastructure des donn\u00e9es. Acc\u00e9l\u00e9rer la mise en place d\u2019une plateforme d\u2019informations sur l\u2019assurance des vols \u00e0 basse altitude, \u00e9tablir et perfectionner les normes relatives aux donn\u00e9es afin de soutenir la tarification actuarielle et la surveillance des risques. (Sous la responsabilit\u00e9 de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re) \u00c9tudier la possibilit\u00e9 d\u2019interconnecter la plateforme d\u2019information sur l\u2019assurance des vols \u00e0 basse altitude avec le syst\u00e8me intelligent et connect\u00e9 d\u00e9di\u00e9 \u00e0 ces vols, afin de permettre le partage d\u2019informations de base telles que les donn\u00e9es relatives \u00e0 la souscription et au r\u00e8glement des sinistres, les informations sur les op\u00e9rations de vol, les informations sur la solvabilit\u00e9 des entreprises exploitantes, les enregistrements des activit\u00e9s de vol ill\u00e9gales ou non conformes, ainsi que les informations sur les risques g\u00e9ographiques, m\u00e9t\u00e9orologiques et \u00e9lectromagn\u00e9tiques. Encourager l\u2019utilisation des donn\u00e9es par le secteur de l\u2019assurance ainsi que par les constructeurs et les exploitants d\u2019a\u00e9ronefs volant \u00e0 basse altitude, afin d\u2019am\u00e9liorer le niveau des services financiers. Renforcer progressivement la base de donn\u00e9es afin de fournir un soutien en mati\u00e8re de donn\u00e9es pour la souscription et le r\u00e8glement pr\u00e9cis des sinistres, la surveillance des vols, la gestion des risques et le traitement des accidents. (Sous la direction de la Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, avec la participation du minist\u00e8re de l\u2019Industrie et de l\u2019Informatisation, du minist\u00e8re des Ressources naturelles, de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re, de l\u2019Administration m\u00e9t\u00e9orologique chinoise et de l\u2019Administration de l\u2019aviation civile chinoise)<\/p>\n\n\n\n

(IX) Renforcer le d\u00e9veloppement des comp\u00e9tences professionnelles. Encourager les organismes d\u2019assurance, en collaboration avec les fabricants et les exploitants d\u2019a\u00e9ronefs volant \u00e0 basse altitude, \u00e0 approfondir la recherche sur les nouveaux risques li\u00e9s \u00e0 ces vols, afin d\u2019am\u00e9liorer leur capacit\u00e9 \u00e0 identifier et \u00e0 \u00e9valuer les risques assurables ; perfectionner la gestion op\u00e9rationnelle, favoriser progressivement la collecte de donn\u00e9es, utiliser activement des mod\u00e8les de quantification des risques et des outils d\u2019\u00e9valuation des risques, afin d\u2019am\u00e9liorer le caract\u00e8re scientifique du d\u00e9veloppement des produits et la pr\u00e9cision de la tarification. Soutenir les organismes de r\u00e9assurance afin qu\u2019ils jouent pleinement leur r\u00f4le en mati\u00e8re de recherche sur les risques, de tarification actuarielle et de r\u00e9partition des risques. Encourager les interm\u00e9diaires d\u2019assurance sp\u00e9cialis\u00e9s \u00e0 mettre \u00e0 profit leur expertise sp\u00e9cifique pour faciliter la souscription et le r\u00e8glement des sinistres. Intensifier la formation des professionnels et renforcer les comp\u00e9tences techniques des acteurs du secteur. (Sous la responsabilit\u00e9 de l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re)<\/p>\n\n\n\n

VI. Renforcer les garanties organisationnelles<\/p>\n\n\n\n

(10) Renforcer la coordination globale. La Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, en collaboration avec l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re et l\u2019Administration de l\u2019aviation civile de Chine, coordonne la mise en \u0153uvre de l\u2019assurance pour le vol \u00e0 basse altitude. La Commission nationale pour le d\u00e9veloppement et la r\u00e9forme prend l\u2019initiative de mettre en place un m\u00e9canisme de liaison r\u00e9gulier, afin de guider les diff\u00e9rentes r\u00e9gions dans la mise en \u0153uvre des exigences pertinentes, d\u2019\u00e9tudier et de r\u00e9soudre les principaux probl\u00e8mes rencontr\u00e9s lors de la mise en \u0153uvre de l\u2019assurance pour le vol \u00e0 basse altitude, et de cr\u00e9er une synergie dans le travail ; L\u2019Administration de l\u2019aviation civile de Chine assure, conform\u00e9ment \u00e0 la loi, la supervision et la gestion de la souscription d\u2019assurances et prend l\u2019initiative de mettre en place un r\u00e9gime d\u2019assurance responsabilit\u00e9 civile obligatoire pour les a\u00e9ronefs sans pilote ; l\u2019Administration g\u00e9n\u00e9rale de la supervision financi\u00e8re assure, conform\u00e9ment \u00e0 la loi, la supervision et la gestion des activit\u00e9s d\u2019assurance dans le domaine du vol \u00e0 basse altitude, encourage l\u2019am\u00e9lioration des r\u00e8gles r\u00e9gissant l\u2019exercice de ces activit\u00e9s, renforce la supervision des op\u00e9rations et des fonds propres, et r\u00e9glemente les comportements sur le march\u00e9. Les services comp\u00e9tents font progresser la mise en place des dispositifs institutionnels et la mise en \u0153uvre des responsabilit\u00e9s conform\u00e9ment \u00e0 la r\u00e9partition des attributions.<\/p>\n\n\n\n

(11) Renforcer la pr\u00e9vention et le contr\u00f4le des risques. Les autorit\u00e9s comp\u00e9tentes de chaque secteur concern\u00e9 doivent veiller \u00e0 ce que les entreprises assument pleinement leur responsabilit\u00e9 principale en mati\u00e8re de pr\u00e9vention et de contr\u00f4le des risques, et lutter rigoureusement contre les activit\u00e9s ill\u00e9gales, telles que la fraude \u00e0 l'assurance. Les services concern\u00e9s doivent approfondir leur compr\u00e9hension des principes r\u00e9gissant le secteur de l'assurance et promouvoir le d\u00e9veloppement de ce dernier en s'appuyant sur le principe de la viabilit\u00e9 commerciale. Les autorit\u00e9s de surveillance financi\u00e8re veilleront \u00e0 ce que les compagnies d\u2019assurance exercent leurs activit\u00e9s dans le respect de la loi et des r\u00e9glementations, renforceront la gestion des contr\u00f4les internes, et veilleront \u00e0 ce que celles-ci d\u00e9veloppent leurs activit\u00e9s de mani\u00e8re ordonn\u00e9e, sous r\u00e9serve de disposer d\u2019une assise financi\u00e8re solide et d\u2019une \u00e9valuation suffisante des risques op\u00e9rationnels, afin de prot\u00e9ger efficacement les droits et int\u00e9r\u00eats l\u00e9gitimes des consommateurs.<\/p>\n\n\n\n

(12) Renforcer la communication et la promotion. Les autorit\u00e9s comp\u00e9tentes de chaque secteur concern\u00e9 doivent intensifier les actions de sensibilisation et d\u2019\u00e9ducation \u00e0 la s\u00e9curit\u00e9 dans l\u2019espace a\u00e9rien \u00e0 basse altitude, afin de renforcer la prise de conscience en mati\u00e8re de pr\u00e9vention. Il convient de tirer pleinement parti du r\u00f4le moteur des associations professionnelles et des entreprises cl\u00e9s du secteur de l\u2019espace a\u00e9rien \u00e0 basse altitude, d\u2019organiser des formations et des campagnes de sensibilisation du grand public sur l\u2019assurance dans l\u2019espace a\u00e9rien \u00e0 basse altitude, de faire conna\u00eetre les fonctions et le r\u00f4le de cette assurance, et de synth\u00e9tiser et diffuser les cas exemplaires et les bonnes pratiques.<\/p>\n\n\n\n

Commission nationale pour le d\u00e9veloppement et la r\u00e9forme, Administration g\u00e9n\u00e9rale de la surveillance financi\u00e8re, Administration de l'aviation civile chinoise<\/p>\n\n\n\n

28 janvier 2026<\/p>","protected":false},"excerpt":{"rendered":"

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var(--ast-global-color-5);}.uagb-block-9201899d .uagb-ifb-icon svg{fill: var(--ast-global-color-5);}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-icon-wrap svg{line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-9201899d .uagb-iconbox-icon-wrap{margin: auto;display: inline-flex;align-items: center;justify-content: center;box-sizing: content-box;width: 20px;height: 20px;line-height: 20px;padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 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0px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-9201899d .uagb-ifb-title-wrap .uagb-ifb-title-prefix{margin-bottom: 10px;margin-top: 5px;}.uagb-block-9201899d .uagb-ifb-title{font-weight: 400;margin-bottom: 0px;}.uagb-block-9201899d .uagb-ifb-desc{margin-bottom: 20px;}.uagb-block-9201899d .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;margin-bottom: 0px;}.uagb-block-9201899d .uagb-infobox__content-wrap .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;}.uagb-block-9201899d .uagb-ifb-align-icon-after{margin-left: 5px;}.uagb-block-9201899d .uagb-ifb-align-icon-before{margin-right: 5px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content svg{box-sizing: content-box;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-9201899d .uagb-iconbox-icon-wrap{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox-left{text-align: right;}[dir=rtl] .uagb-block-9201899d.uagb-infobox-right{text-align: left;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}@media only screen and (max-width: 976px) {.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-9201899d .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}@media only screen and (max-width: 767px) {.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-9201899d .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-9201899d .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-9201899d.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;color: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-icon svg{fill: var(--ast-global-color-5);}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-icon-wrap svg{line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{margin: auto;display: inline-flex;align-items: center;justify-content: center;box-sizing: content-box;width: 20px;height: 20px;line-height: 20px;padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image svg{width: 20px;line-height: 20px;font-size: 20px;color: var(--ast-global-color-5);fill: var(--ast-global-color-5);}.uagb-block-f0374038 .uagb-infobox__content-wrap .uagb-ifb-imgicon-wrap{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;}.uagb-block-f0374038 .uagb-infobox .uagb-ifb-image-content img{border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-left: 0px;padding-right: 0px;padding-top: 0px;padding-bottom: 0px;border-radius: 0px;}.uagb-block-f0374038 .uagb-ifb-title-wrap .uagb-ifb-title-prefix{margin-bottom: 10px;margin-top: 5px;}.uagb-block-f0374038 .uagb-ifb-title{font-weight: 400;margin-bottom: 0px;}.uagb-block-f0374038 .uagb-ifb-desc{margin-bottom: 20px;}.uagb-block-f0374038 .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;margin-bottom: 0px;}.uagb-block-f0374038 .uagb-infobox__content-wrap .uagb-ifb-separator{width: 30%;border-top-width: 2px;border-top-color: #333;border-top-style: solid;}.uagb-block-f0374038 .uagb-ifb-align-icon-after{margin-left: 5px;}.uagb-block-f0374038 .uagb-ifb-align-icon-before{margin-right: 5px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content svg{box-sizing: content-box;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038 .uagb-iconbox-icon-wrap{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-right-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-left-title-image > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content > img{padding-right: 0px;padding-left: 0px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox-left{text-align: right;}[dir=rtl] .uagb-block-f0374038.uagb-infobox-right{text-align: left;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}@media only screen and (max-width: 976px) {.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}@media only screen and (max-width: 767px) {.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-icon-wrap > svg{width: 20px;height: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content .uagb-ifb-icon-wrap > svg{line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-left-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038 .uagb-ifb-content .uagb-ifb-right-title-image > svg{width: 20px;line-height: 20px;font-size: 20px;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-ifb-content img{box-sizing: content-box;}.uagb-block-f0374038 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-iconbox-icon-wrap{width: 20px;height: 20px;line-height: 20px;}.uagb-block-f0374038 .uagb-infobox-margin-wrapper{display: flex;}.uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg {margin-left: 5px;}[dir=rtl] .uagb-block-f0374038.uagb-infobox__content-wrap .uagb-infobox-cta-link > svg{margin-right: 5px;margin-left: 0px;}}.uagb-block-7b17a252 .uagb-ifb-icon{width: 20px;line-height: 20px;}.uagb-block-7b17a252 .uagb-ifb-icon > span{font-size: 20px;width: 20px;line-height: 20px;color: 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