以(yi)下是(shi)詳細內容：

問：此(ci)次修改兩(liang)部條例的背景是什么(me)？

答：黨中(zhong)(zhong)央(yang)、國務(wu)院(yuan)高度(du)重(zhong)視對(dui)外開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)工作(zuo)，明確(que)將“開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)”列(lie)為(wei)五(wu)大(da)(da)(da)發(fa)展(zhan)理(li)念(nian)之一，強(qiang)調改善投資(zi)(zi)(zi)和(he)市(shi)(shi)場環(huan)境、加快(kuai)對(dui)外開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)步伐，積(ji)極(ji)穩妥(tuo)推動金(jin)融(rong)業(ye)對(dui)外開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)。習近平主席(xi)在(zai)博鰲亞(ya)洲論壇2018年(nian)(nian)年(nian)(nian)會開(kai)(kai)(kai)幕式上，發(fa)表題(ti)為(wei)“開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)開(kai)(kai)(kai)創繁榮(rong) 創新引(yin)領(ling)未來”的(de)主旨演講，宣布大(da)(da)(da)幅放(fang)(fang)(fang)(fang)寬(kuan)(kuan)市(shi)(shi)場準(zhun)入(ru)，確(que)保(bao)放(fang)(fang)(fang)(fang)寬(kuan)(kuan)銀(yin)(yin)行(xing)、證(zheng)券、保(bao)險(xian)(xian)行(xing)業(ye)外資(zi)(zi)(zi)股比限制的(de)重(zhong)大(da)(da)(da)措(cuo)施(shi)落(luo)地，同時(shi)要加大(da)(da)(da)開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)力度(du)，加快(kuai)保(bao)險(xian)(xian)行(xing)業(ye)開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)進程，放(fang)(fang)(fang)(fang)寬(kuan)(kuan)外資(zi)(zi)(zi)金(jin)融(rong)機(ji)(ji)構設立限制，擴大(da)(da)(da)外資(zi)(zi)(zi)金(jin)融(rong)機(ji)(ji)構在(zai)華(hua)業(ye)務(wu)范圍(wei)(wei)，拓寬(kuan)(kuan)中(zhong)(zhong)外金(jin)融(rong)市(shi)(shi)場合(he)作(zuo)領(ling)域(yu)。經黨中(zhong)(zhong)央(yang)、國務(wu)院(yuan)批準(zhun)，2019年(nian)(nian)5月(yue)，中(zhong)(zhong)國銀(yin)(yin)保(bao)監會從取(qu)消外資(zi)(zi)(zi)股比限制、放(fang)(fang)(fang)(fang)寬(kuan)(kuan)市(shi)(shi)場準(zhun)入(ru)條(tiao)(tiao)(tiao)件(jian)、拓寬(kuan)(kuan)商(shang)業(ye)存在(zai)和(he)擴大(da)(da)(da)業(ye)務(wu)范圍(wei)(wei)等(deng)方面，提出12條(tiao)(tiao)(tiao)銀(yin)(yin)行(xing)業(ye)、保(bao)險(xian)(xian)業(ye)新開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)政(zheng)策(ce)措(cuo)施(shi)。2019年(nian)(nian)7月(yue)，國務(wu)院(yuan)金(jin)融(rong)穩定發(fa)展(zhan)委(wei)員會辦公(gong)室(shi)在(zai)深入(ru)研究評估的(de)基礎上，再次推出包括放(fang)(fang)(fang)(fang)寬(kuan)(kuan)外資(zi)(zi)(zi)保(bao)險(xian)(xian)公(gong)司準(zhun)入(ru)條(tiao)(tiao)(tiao)件(jian)在(zai)內(nei)的(de)11條(tiao)(tiao)(tiao)新開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)政(zheng)策(ce)措(cuo)施(shi)。全面貫(guan)徹落(luo)實黨中(zhong)(zhong)央(yang)、國務(wu)院(yuan)決策(ce)部(bu)署，為(wei)銀(yin)(yin)行(xing)業(ye)、保(bao)險(xian)(xian)業(ye)對(dui)外開(kai)(kai)(kai)放(fang)(fang)(fang)(fang)順利實施(shi)提供法治保(bao)障，有必要對(dui)《中(zhong)(zhong)華(hua)人民共(gong)和(he)國外資(zi)(zi)(zi)銀(yin)(yin)行(xing)管(guan)理(li)條(tiao)(tiao)(tiao)例(li)》和(he)《中(zhong)(zhong)華(hua)人民共(gong)和(he)國外資(zi)(zi)(zi)保(bao)險(xian)(xian)公(gong)司管(guan)理(li)條(tiao)(tiao)(tiao)例(li)》作(zuo)出相(xiang)應(ying)修改。

問：修(xiu)改工作的總體(ti)思路和(he)把握的原則(ze)是什么？

答：此次(ci)修(xiu)改工(gong)作以習近平新(xin)時(shi)代中(zhong)國(guo)特色社(she)會主(zhu)義思想為(wei)指導(dao)，貫(guan)徹落實黨(dang)中(zhong)央、國(guo)務院關(guan)于金融業對外開放的(de)決策(ce)部署(shu)，在平等互利基礎上(shang)，積(ji)極穩妥(tuo)推(tui)動金融業對外開放，完善外資銀(yin)行、外資保險公司監督管理制度。

把握(wo)的主要原(yuan)則：一(yi)是擴大(da)開(kai)(kai)(kai)放(fang)(fang)與(yu)(yu)自主靈活實(shi)施并立，結(jie)合國(guo)內(nei)改革(ge)發展目標和國(guo)家戰(zhan)略需(xu)要進(jin)行(xing)開(kai)(kai)(kai)放(fang)(fang)，實(shi)現互利(li)共贏；二(er)是擴大(da)開(kai)(kai)(kai)放(fang)(fang)與(yu)(yu)維護(hu)金融(rong)(rong)安全并重，通過有(you)效措施保障(zhang)金融(rong)(rong)安全，落實(shi)開(kai)(kai)(kai)放(fang)(fang)舉措；三是擴大(da)開(kai)(kai)(kai)放(fang)(fang)與(yu)(yu)有(you)序推進(jin)并行(xing)，注重對外開(kai)(kai)(kai)放(fang)(fang)與(yu)(yu)我國(guo)實(shi)際相(xiang)結(jie)合，走一(yi)條符合中國(guo)國(guo)情(qing)的銀行(xing)業、保險業對外開(kai)(kai)(kai)放(fang)(fang)道路。

問：修改后(hou)的《中華(hua)人民(min)共(gong)和(he)國外(wai)資保(bao)險公(gong)司(si)(si)管理條例》（以下簡稱《外(wai)資保(bao)險公(gong)司(si)(si)條例》）在(zai)擴大保(bao)險業對外(wai)開放方面，主(zhu)要(yao)有哪些體現？

答(da)：修改后的(de)《外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)條例(li)》放(fang)寬了外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)準入(ru)(ru)限制，對申請(qing)設(she)立(li)(li)外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)的(de)外(wai)國保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)，取消“經(jing)(jing)營保(bao)(bao)險(xian)(xian)(xian)(xian)業務(wu)30年以上(shang)(shang)”和“在中(zhong)國境內已經(jing)(jing)設(she)立(li)(li)代表機構(gou)2年以上(shang)(shang)”的(de)條件，鼓勵更多有經(jing)(jing)營特(te)色和專長的(de)保(bao)(bao)險(xian)(xian)(xian)(xian)機構(gou)進(jin)(jin)入(ru)(ru)中(zhong)國市場。同(tong)時(shi)，允許外(wai)國保(bao)(bao)險(xian)(xian)(xian)(xian)集(ji)團公(gong)(gong)(gong)(gong)司(si)在中(zhong)國境內投(tou)資設(she)立(li)(li)外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)，允許境外(wai)金(jin)融機構(gou)入(ru)(ru)股(gu)外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)，并授權國務(wu)院保(bao)(bao)險(xian)(xian)(xian)(xian)監(jian)督管理(li)機構(gou)制定具體管理(li)辦法，進(jin)(jin)一步豐(feng)富外(wai)資保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)的(de)股(gu)東類(lei)型，激發(fa)市場活力，促(cu)進(jin)(jin)保(bao)(bao)險(xian)(xian)(xian)(xian)業高質量(liang)發(fa)展。

問：修改后的《中華人(ren)民共和國外資(zi)銀行(xing)管理條(tiao)(tiao)例》（以下簡稱《外資(zi)銀行(xing)條(tiao)(tiao)例》）進一步放寬了外資(zi)銀行(xing)準入門(men)檻，主要體現在哪些方(fang)面(mian)？

答：一是放(fang)寬中(zhong)(zhong)(zhong)外(wai)(wai)合(he)資銀(yin)行(xing)(xing)(xing)中(zhong)(zhong)(zhong)方股東(dong)限制，取(qu)消(xiao)中(zhong)(zhong)(zhong)外(wai)(wai)合(he)資銀(yin)行(xing)(xing)(xing)的中(zhong)(zhong)(zhong)方唯一或者主(zhu)要(yao)股東(dong)應(ying)當為(wei)金融機構(gou)(gou)的要(yao)求，進一步擴大外(wai)(wai)資銀(yin)行(xing)(xing)(xing)自主(zhu)選(xuan)擇中(zhong)(zhong)(zhong)方合(he)作伙(huo)伴的范圍(wei)；二是放(fang)寬外(wai)(wai)國銀(yin)行(xing)(xing)(xing)在華(hua)設(she)立營業性(xing)機構(gou)(gou)的條件限制，取(qu)消(xiao)外(wai)(wai)國金融機構(gou)(gou)來(lai)(lai)華(hua)設(she)立法(fa)人銀(yin)行(xing)(xing)(xing)的100億(yi)美元(yuan)總資產要(yao)求和(he)外(wai)(wai)國銀(yin)行(xing)(xing)(xing)來(lai)(lai)華(hua)設(she)立分行(xing)(xing)(xing)的200億(yi)美元(yuan)總資產要(yao)求，為(wei)規模較小但自身(shen)經營具有特色和(he)專(zhuan)長(chang)的外(wai)(wai)國銀(yin)行(xing)(xing)(xing)來(lai)(lai)華(hua)設(she)立機構(gou)(gou)提供更(geng)大空(kong)間。

問(wen)：根據修改后的《外(wai)資銀行(xing)條例》，外(wai)國(guo)銀行(xing)在(zai)華是否可以同時擁有(you)子行(xing)和分行(xing)？

答：修改(gai)后的《外(wai)(wai)資銀(yin)行(xing)(xing)條例》放寬了對外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)在中(zhong)(zhong)(zhong)國(guo)(guo)(guo)境內(nei)同時(shi)(shi)設(she)立法人(ren)銀(yin)行(xing)(xing)和外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)分(fen)(fen)行(xing)(xing)的限制，允許外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)在中(zhong)(zhong)(zhong)華(hua)人(ren)民共和國(guo)(guo)(guo)境內(nei)同時(shi)(shi)設(she)立外(wai)(wai)商獨資銀(yin)行(xing)(xing)和外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)分(fen)(fen)行(xing)(xing)，或者同時(shi)(shi)設(she)立中(zhong)(zhong)(zhong)外(wai)(wai)合資銀(yin)行(xing)(xing)和外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)分(fen)(fen)行(xing)(xing)，以(yi)更好滿足(zu)外(wai)(wai)國(guo)(guo)(guo)銀(yin)行(xing)(xing)拓展在華(hua)業務的實際(ji)需(xu)要。

問：在放寬外資銀(yin)行業(ye)務限(xian)制方(fang)面，有(you)哪些(xie)新變化(hua)？

答：修改(gai)(gai)后的(de)(de)《外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)條例》進(jin)(jin)一(yi)步(bu)放寬對外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)業(ye)務(wu)(wu)限制，主要體(ti)現在(zai)以(yi)下(xia)(xia)三方面：一(yi)是擴大(da)外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)業(ye)務(wu)(wu)范圍，增加(jia)“代(dai)理(li)發(fa)行(xing)(xing)(xing)(xing)(xing)、代(dai)理(li)兌(dui)付(fu)、承銷政府(fu)債券”和“代(dai)理(li)收(shou)付(fu)款項”業(ye)務(wu)(wu)，進(jin)(jin)一(yi)步(bu)提升在(zai)華外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)服務(wu)(wu)能(neng)力；二(er)是降低外(wai)(wai)(wai)國銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)分行(xing)(xing)(xing)(xing)(xing)吸收(shou)人(ren)民幣存款的(de)(de)業(ye)務(wu)(wu)門檻，將(jiang)外(wai)(wai)(wai)國銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)分行(xing)(xing)(xing)(xing)(xing)可以(yi)吸收(shou)中國境內公(gong)民定期存款的(de)(de)金(jin)額下(xia)(xia)限由每(mei)筆(bi)不少于(yu)100萬(wan)元人(ren)民幣改(gai)(gai)為每(mei)筆(bi)不少于(yu)50萬(wan)元人(ren)民幣；三是取消外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)開(kai)辦(ban)人(ren)民幣業(ye)務(wu)(wu)的(de)(de)審(shen)批，進(jin)(jin)一(yi)步(bu)優(you)化在(zai)華外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)的(de)(de)營商環境，使條件成熟、準備(bei)充(chong)分的(de)(de)外(wai)(wai)(wai)資銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)一(yi)開(kai)業(ye)即擁有全面的(de)(de)本外(wai)(wai)(wai)幣服務(wu)(wu)能(neng)力，在(zai)為實(shi)體(ti)經濟更好提供服務(wu)(wu)的(de)(de)同時，增加(jia)盈利來源(yuan)。

問：修改后的(de)《外資銀行條(tiao)例》對外國銀行分(fen)行營運(yun)資金管理作出了哪些調整？

答：為(wei)在保證安(an)全的(de)(de)同時增(zeng)強外(wai)(wai)國(guo)(guo)(guo)銀(yin)(yin)行(xing)(xing)分行(xing)(xing)資產運用的(de)(de)自主性和靈(ling)活性，將(jiang)原(yuan)來規定(ding)的(de)(de)“外(wai)(wai)國(guo)(guo)(guo)銀(yin)(yin)行(xing)(xing)分行(xing)(xing)營運資金(jin)(jin)(jin)的(de)(de)30%應當以國(guo)(guo)(guo)務院(yuan)銀(yin)(yin)行(xing)(xing)業監督(du)管理機構指定(ding)的(de)(de)生息(xi)資產形式存在”，修改為(wei)“外(wai)(wai)國(guo)(guo)(guo)銀(yin)(yin)行(xing)(xing)分行(xing)(xing)應當按(an)照國(guo)(guo)(guo)務院(yuan)銀(yin)(yin)行(xing)(xing)業監督(du)管理機構的(de)(de)規定(ding)，持有(you)一定(ding)比例的(de)(de)生息(xi)資產”。同時，增(zeng)加規定(ding)：資本充(chong)足率持續符合所在國(guo)(guo)(guo)家或者地區金(jin)(jin)(jin)融監管當局以及國(guo)(guo)(guo)務院(yuan)銀(yin)(yin)行(xing)(xing)業監督(du)管理機構規定(ding)的(de)(de)外(wai)(wai)國(guo)(guo)(guo)銀(yin)(yin)行(xing)(xing)，其(qi)在中國(guo)(guo)(guo)境內的(de)(de)分行(xing)(xing)不受(shou)“營運資金(jin)(jin)(jin)加準備金(jin)(jin)(jin)等(deng)項之和中的(de)(de)人民幣份額與其(qi)人民幣風險資產的(de)(de)比例不得低于8%”的(de)(de)限制(zhi)。

問(wen)：為貫(guan)徹(che)落實(shi)兩部條例，下(xia)一步有(you)哪(na)些(xie)工作安排？

答：下一(yi)步(bu)，中(zhong)國銀(yin)保監會(hui)將加快推進(jin)《外資(zi)銀(yin)行管理條例(li)實施(shi)細則》《外資(zi)保險公司管理條例(li)實施(shi)細則》等相關配套制度的(de)修訂完善，進(jin)一(yi)步(bu)優化銀(yin)行業、保險業投資(zi)和經營環(huan)境，激發(fa)外資(zi)參與中(zhong)國金(jin)融(rong)(rong)業發(fa)展的(de)活力，豐富金(jin)融(rong)(rong)服務和產(chan)品體(ti)系，提升金(jin)融(rong)(rong)服務實體(ti)經濟的(de)質效。

在平等互(hu)利(li)的基礎上，支持(chi)更多符合條件的外(wai)資金(jin)(jin)(jin)融(rong)(rong)機構(gou)參(can)與中國(guo)銀(yin)行(xing)業(ye)(ye)(ye)、保(bao)險(xian)業(ye)(ye)(ye)對外(wai)開放進程，共(gong)同構(gou)建更加開放、互(hu)利(li)共(gong)贏的金(jin)(jin)(jin)融(rong)(rong)市場。與此(ci)同時，我們將立(li)足中國(guo)國(guo)情，借鑒國(guo)際經驗，持(chi)續完善法規制(zhi)度建設(she)，堅決守住不發生系(xi)統性金(jin)(jin)(jin)融(rong)(rong)風險(xian)的底(di)線，促進銀(yin)行(xing)業(ye)(ye)(ye)、保(bao)險(xian)業(ye)(ye)(ye)健(jian)康發展，確保(bao)新(xin)時代(dai)金(jin)(jin)(jin)融(rong)(rong)業(ye)(ye)(ye)改革開放行(xing)穩致遠。

看了關于外資保險公司和外資銀行的相關信息，那么我國好的保險(xian)公司有哪(na)些呢？以下是十(shi)大保險(xian)公司榜(bang)單：