(1) guiding ideology. Guided by Deng Xiaoping Theory, Theory of Three Represents and Scientific Outlook on Development, based on the modernization of national governance system and governance capacity, the development of modern insurance service industry will be incorporated into the overall layout of economic and social work, with the starting point of meeting the growing demand for diversified insurance services.
In order to improve the insurance economic compensation mechanism, strengthen the core function of risk management, and improve the efficiency of insurance fund allocation, we will reform and innovate, expand opening up, improve the market, optimize the environment, and improve policies to build a modern insurance service industry with market competitiveness, creativity and vitality.
Make the modern insurance service industry a pillar force to improve the financial system, a strong support to improve people's livelihood security, an effective mechanism to innovate social management, an efficient engine to promote economic upgrading and efficiency upgrading, and an important starting point for transforming government functions.
(2) Basic principles. First, adhere to market dominance and policy guidance. Create a fair and competitive market environment for commercial insurance business, so that the market plays a decisive role in resource allocation; Create a low-cost policy environment and give necessary support to the insurance business that has social welfare and is related to the national economy and people's livelihood;
The insurance business, which plays a positive role in upgrading the service economy, improving efficiency and upgrading, but has a weak foundation at present, will better play the guiding role of the government. The second is to persist in reform and innovation and expand opening up. Comprehensively deepen the reform of the insurance system and mechanism, improve the level of opening to the outside world, introduce advanced management concepts and technologies, and release and stimulate the sustainable development and innovation vitality of the industry.
Improve the ability of insurance products, services, management and technological innovation, and promote differentiated competition and personalized service of market players. The third is to persist in improving supervision and prevent risks. Improve the insurance legal system, speed up the modernization of insurance supervision, safeguard the legitimate rights and interests of insurance consumers, and standardize the market order. Handle the relationship between accelerating development and preventing risks, and keep the bottom line that systemic regional financial risks do not occur.
(3) development goals. By 2020, a modern insurance service industry with comprehensive protection, perfect functions, safety, stability, good faith, strong service and innovation ability and international competitiveness will be basically built to meet the needs of China's economic and social development and strive to transform from a big insurance country to a strong insurance country. Insurance has become the basic means of risk management and wealth management for the government, enterprises and residents.
It has become an important channel to improve the level and quality of security and an effective tool for the government to improve public services and strengthen social management. The insurance depth (premium income /GDP) reaches 5%, and the insurance density (premium income/total population) reaches 3,500 yuan/person. The social "stabilizer" and economic "booster" of insurance have been effectively brought into play.
2. Build a safety net for people's livelihood and improve the multi-level social security system.
(4) Building commercial insurance into an important pillar of the social security system. Commercial insurance should gradually become the main undertaker of individual and family commercial security plans, an important provider of old-age health security plans initiated by enterprises, and an active participant in the market-oriented operation of social insurance. Support qualified enterprises to establish commercial old-age health protection plans.
Support insurance institutions to vigorously expand business such as enterprise annuities. Give full play to the complementary role of commercial insurance in basic old-age pension and medical insurance.
(5) Innovating endowment insurance products and services. Provide personalized and differentiated old-age security for different groups. Promote the development of personal savings endowment insurance. Carry out the pilot project of housing reverse mortgage endowment insurance.
Formulate a family security plan for the only child. Explore a new model of security for the elderly who have lost their independence. Develop comprehensive liability insurance for old-age care institutions. Support qualified insurance institutions to invest in the aged care service industry and promote the integrated development of insurance service industry and aged care service industry.
(6) Developing diversified health insurance services. Encourage insurance companies to vigorously develop various commercial health insurance products such as medical treatment, sickness insurance, disability income loss insurance, and link them with basic medical insurance. Develop commercial long-term care insurance.
Combined with commercial health insurance products, it provides health management services such as disease prevention, health maintenance and chronic disease management. Support insurance institutions to participate in the health service industry in industry integration, explore the establishment of medical institutions and participate in the restructuring of public hospitals by means of equity investment and strategic cooperation.
3. Give full play to the insurance risk management function and improve the social governance system.
(seven) the use of insurance mechanism to innovate the way of providing public services. By purchasing services from commercial insurance companies and making full use of the market-oriented mechanism in the field of public services, the government actively explores and promotes qualified commercial insurance institutions to carry out various pension and medical insurance services to improve the efficiency of social management.
In accordance with the requirements of carrying out serious illness insurance for urban and rural residents in an all-round way, we should do a good job of entrustment, constantly improve the operating mechanism and improve the level of protection. Encourage the development of public safety insurance, community comprehensive insurance and other emerging businesses. Support insurance institutions to participate in security services in industry integration by means of equity investment and strategic cooperation.
(8) Give play to the role of liability insurance in resolving contradictions and disputes. Strengthen the development mode of liability insurance with government guidance, market operation and legislative guarantee, and take areas closely related to public interests such as environmental pollution, food safety, medical responsibility, medical accident, practice safety and campus safety as the development focus of liability insurance, and explore the pilot of compulsory liability insurance.
Accelerate the development of travel agencies, product quality and various types of professional liability insurance, product liability insurance and public liability insurance, give full play to the functions of liability insurance in pre-risk prevention, in-process risk control, and post-event claims service, and use economic leverage and diversified liability insurance products to resolve civil liability disputes.
4. Improve the insurance economic compensation mechanism and increase participation in disaster relief.
(9) Incorporate insurance into the disaster accident prevention and rescue system. Improve the awareness and level of enterprises and residents to use market-oriented means such as commercial insurance to deal with disasters and accident risks. Actively develop enterprise property insurance, engineering insurance, motor vehicle insurance, family property insurance, accident insurance, etc. To enhance the ability of the whole society to resist risks.
Give full play to the incentive and restraint function of insurance premium lever, strengthen pre-risk prevention, reduce the occurrence of disasters and accidents, and promote safe production and emergency management of emergencies.
(10) Establish catastrophe insurance system. Focusing on better safeguarding and improving people's livelihood, we will establish a catastrophe insurance system based on system construction, commercial insurance as a platform and multi-level risk sharing as a guarantee. Study and establish catastrophe insurance fund, catastrophe reinsurance and other systems, and gradually form a multi-level catastrophe risk dispersion mechanism with financial support.
Encourage all localities to explore effective protection modes for typhoons, earthquakes, landslides, mudslides, floods, forest fires and other disasters according to risk characteristics. Formulate catastrophe insurance laws and regulations. Establish a nuclear insurance catastrophe liability reserve system. Establish a catastrophe risk management database.
5. Vigorously develop the "three rural" insurance and innovate the ways of supporting agriculture and benefiting farmers.
(eleven) actively develop agricultural insurance. In accordance with the principles of the quantity and cost of central support, the characteristics and output of local support, and the conditional guarantee of price and income, farmers and various new agricultural business entities are encouraged to voluntarily participate in insurance, expand the coverage of agricultural insurance, and improve the degree of agricultural insurance protection.
We will carry out pilot projects of target price insurance for agricultural products, explore emerging products and services such as weather index insurance, and enrich agricultural insurance risk management tools. Implement the catastrophe risk reserve system of agricultural insurance. Improve the agricultural insurance service system and encourage various forms of mutual assistance and cooperation insurance. Improve the cooperation mechanism between insurance institutions, disaster prediction departments and agricultural authorities.
(12) Expand the breadth and depth of "three rural" insurance. According to their own reality, all localities support insurance institutions to provide "three rural" insurance products with moderate protection, low premium and popular insurance policies. Actively develop rural small loan insurance, rural housing insurance, agricultural machinery insurance, agricultural infrastructure insurance, forest insurance, as well as farmers' old-age health insurance, rural small personal insurance and other inclusive insurance businesses.
6. Expand the insurance service function and promote economic upgrading, efficiency improvement and upgrading.
(thirteen) give full play to the unique advantages of long-term investment of insurance funds. On the premise of ensuring safety and profitability, we should innovate the use of insurance funds and improve the efficiency of insurance fund allocation. Encourage insurance funds to use debt investment plans and equity investment plans to support major infrastructure, shantytown renovation, urbanization and other livelihood projects and major national projects.
Encourage insurance companies to provide financial support for the development of science and technology enterprises, small and micro enterprises and strategic emerging industries by investing in corporate equity, creditor's rights, funds and asset support plans under the premise of reasonably controlling risks. To study and formulate relevant policies for insurance funds to invest in venture capital funds.
(fourteen) to promote the coordinated development of insurance market, money market and capital market. Give further play to the role of insurance companies as institutional investors and provide strong support for the long-term stable development of the stock market and bond market. Encourage the establishment of professional insurance asset management institutions such as real estate, infrastructure and pension, and allow professional insurance asset management institutions to set up private equity funds such as mezzanine funds, M&A funds and real estate funds.
We will steadily push forward the pilot project of insurance companies setting up fund management companies. Explore insurance institutions to invest in asset securitization products. Explore the development of bond credit insurance. Actively cultivate alternative investment markets.
(fifteen) to promote the adjustment of the economic structure of insurance services. Establish and improve the science and technology insurance system, actively develop insurance products and services that adapt to scientific and technological innovation, promote the insurance risk compensation mechanism of the first domestic equipment, and promote enterprise innovation and industrialization of scientific and technological achievements. Accelerate the development of credit insurance and loan guarantee insurance for small and micro enterprises, and enhance the ability of small and micro loans.
Actively develop personal consumption loan guarantee insurance to release residents' consumption potential. Give play to the radiation effect of insurance on consulting, law, accounting, evaluation, auditing and other industries, actively develop cultural industry insurance and logistics insurance, explore emerging insurance businesses such as performing arts and exhibition liability insurance, and promote the development of the tertiary industry.
(sixteen) increase the insurance industry to support enterprises to "go global". Give full play to the role of export credit insurance in promoting the stable growth, transformation and upgrading of foreign trade. We will increase support for export credit insurance for independent brands, independent intellectual property rights and strategic emerging industries, focusing on supporting high-tech, high-value-added mechanical and electrical products and large-scale complete sets of equipment, and simplifying the examination and approval procedures.
Accelerate the development of overseas investment insurance, focusing on supporting energy and minerals, infrastructure, high-tech and advanced manufacturing, agriculture and forestry. Innovate insurance products and expand coverage. We will steadily liberalize the short-term export credit insurance market and further increase market players. Actively develop shipping insurance. Expand the scope of overseas investment of insurance funds.
7. Promote the reform and opening up of the insurance industry and comprehensively improve the development level of the industry.
(seventeen) deepen the reform of the insurance industry. Continue to deepen the reform of insurance companies, accelerate the establishment of a modern insurance enterprise system, and improve the governance structure of insurance companies. We will comprehensively deepen the market-oriented reform of personal insurance rates and steadily promote the market-oriented reform of commercial auto insurance rates.
Deepen the reform of the insurance market access and exit mechanism. Accelerate the improvement of the insurance market system, support the establishment of regional and professional insurance companies, and develop professional credit insurance institutions. Standardize the merger and reorganization of insurance companies. Support qualified insurance companies to list at home and abroad.
(eighteen) improve the opening level of the insurance industry. Promote the further opening up of the insurance market, achieve a better combination of "bringing in" and "going out", and promote reform and development through opening up. Encourage Chinese-funded insurance companies to try to "go global" in various forms and channels to provide risk protection for overseas enterprises in China.
Support Chinese-funded insurance companies to raise funds through the international capital market and enter overseas markets through various channels. Strive to expand the export of insurance services. Guide foreign insurance companies to implant advanced experience and technology into the China market.
(nineteen) to encourage innovation in insurance products and services. Effectively enhance the independent innovation ability of the insurance industry and actively cultivate new business growth points. Support insurance companies to actively use new technologies such as network, cloud computing, big data and mobile Internet to promote the innovation of insurance sales channels and service models.
Vigorously promote the popularization of terms and standardization of services, encourage insurance companies to provide personalized and customized products and services, and reduce homogenization and inefficient competition. Promote insurance companies to change their development mode, improve service quality, strive to reduce operating costs, and provide insurance products and services with high quality, low price, integrity and standardization.
(twenty) accelerate the development of reinsurance market. Expand the main body of reinsurance market and develop regional reinsurance centers. Intensify the innovation of reinsurance products and technologies. Increase the reinsurance coverage of large-scale risks and special risks of national key projects such as agriculture, transportation, energy, chemical industry, water conservancy, subway, aerospace and nuclear power.
Enhance the ability of reinsurance to spread the risk of natural disasters. Strengthen the support and guarantee function of reinsurance for overseas enterprises in China, and enhance China's pricing power and voice in the global reinsurance market.
(twenty-one) give full play to the role of the insurance intermediary market. Constantly improve the professional and technical capabilities of insurance intermediaries, give play to the positive role of intermediaries in risk pricing, disaster prevention and loss prevention, risk consultancy, loss assessment and claim settlement services, and better provide value-added services for insurance consumers. Optimize the insurance intermediary market structure and standardize the market order. Steadily promote the reform of insurance marketing system.
8. Strengthen and improve insurance supervision to prevent and resolve risks.
(twenty-two) to promote the modernization of the regulatory system and regulatory capacity. Adhere to the unity of institutional supervision and functional supervision, macro-prudential supervision and micro-prudential supervision, and accelerate the construction of a risk-oriented insurance supervision system. Strengthen insurance company governance and internal control supervision, improve market behavior supervision, and accelerate the construction of the second-generation solvency supervision system.
Improve the system of insurance laws and regulations, and improve the legal level of supervision. Actively promote the information construction of supervision. Give full play to the role of self-regulatory organizations such as insurance industry associations. Make full use of the resources of insurance regulatory agencies and strengthen insurance supervision at the grassroots level.
(twenty-three) strengthen the protection of the legitimate rights and interests of insurance consumers. Promote the improvement of laws, regulations and rules and regulations to protect the legitimate rights and interests of insurance consumers. Explore the establishment of a diversified settlement mechanism for insurance consumer disputes, and establish and improve the docking mechanism for litigation, arbitration and mediation of insurance disputes.
Strengthen insurance supervision, urge insurance institutions to fully fulfill their obligations to insurance consumers, and seriously investigate and deal with all kinds of behaviors that harm the legitimate rights and interests of insurance consumers.
(twenty-four) to hold the bottom line of systemic regional financial risks. Strengthen the overall risk management of the insurance industry, establish and improve the risk monitoring and early warning mechanism, improve the risk emergency plan, optimize the risk handling process and system, and improve the risk handling ability. Strengthen accountability, strengthen market constraints and prevent risk accumulation. Strengthen financial supervision and coordination to prevent cross-industry transmission of risks.
Improve the cooperation mechanism between insurance supervision and local people's governments as well as public security, justice, news and publicity departments. Improve the management system and operation mechanism of the insurance protection fund.
9. Strengthen infrastructure construction and optimize the development environment of the insurance industry.
(twenty-five) comprehensively promote the construction of insurance credit system. Strengthen the construction of insurance credit information infrastructure, expand the coverage of credit records, and build a credit information sharing mechanism. Guide insurance institutions to adopt differentiated insurance rates and other means to encourage trustworthy people and restrain untrustworthy people. Improve the credit file system of insurance practitioners, the credit evaluation system of insurance institutions and the disciplinary mechanism for dishonesty.
(twenty-six) to strengthen the infrastructure construction of the insurance industry. Accelerate the establishment of various risk databases in the insurance industry, and revise the industry experience life table and disease incidence table.
Establish industry-wide asset custody center, insurance asset trading platform, reinsurance exchange, disaster prevention and loss prevention center and other basic platforms, accelerate the development of China Insurance Information Technology Management Co., Ltd., and provide support for improving the risk management level of the insurance industry and promoting the transformation and upgrading of the industry.
(twenty-seven) to enhance the awareness of the whole society. Give play to the positive propaganda and guiding role of the news media, encourage radio and television, print media and the Internet to set up special insurance channels or programs, and form an atmosphere of learning, understanding and using insurance in the whole society. Strengthen the insurance awareness education of students in primary and secondary schools and vocational colleges.
10. Improve the supporting policies for the development of modern insurance service industry.
(twenty-eight) the establishment of insurance supervision and coordination mechanism. Strengthen cross-departmental communication, coordination and cooperation in insurance supervision, and promote the effective connection between commercial insurance and social security, the integration of insurance services and social governance, and the close integration of commercial mechanisms and government management.
Establish an information sharing mechanism, gradually realize data sharing, and improve the risk screening level and risk management ability of relevant departments. Establish the public security, judicial and audit inquiry mechanism of insurance database.
(twenty-nine) to encourage the government to purchase insurance services in various ways. Encourage all localities to actively explore and use the risk management functions of insurance and the advantages of insurance institutions' networks and professional technologies, and use market-oriented mechanisms to reduce the operating costs of public services.
For public services with higher operating efficiency of commercial insurance institutions, the government may entrust insurance institutions to handle or directly purchase insurance products and services; For insurance services with strong public welfare, but market-oriented operation can not achieve breakeven, the government can give some support.
(thirty) to study and improve the tax policy to accelerate the development of modern insurance service industry. Improve the tax policies related to health insurance. We will launch a pilot program of personal tax deferred commercial endowment insurance in a timely manner. Implement and improve the enterprise income tax policy of supplementary endowment insurance premium and supplementary medical insurance premium paid by enterprises for employees.
Implement preferential tax policies for agricultural insurance. Combined with the improvement of the pre-tax deduction policy of enterprise R&D expenses income tax, the pre-tax deduction policy of R&D insurance expenses is studied as a whole.
(thirty-one) to strengthen the pension industry and health service industry land security. People's governments at all levels should make overall consideration of the development needs of the aged care industry and health service industry in the overall land use planning, expand the supply of land for aged care service facilities and health service industry, and give priority to ensuring supply. Strengthen the supervision of land use for pension and health service facilities, and it is strictly forbidden to change land use.
Encourage qualified insurance institutions to invest in the establishment of pension industry and health service institutions.
(thirty-two) improve the financial subsidy policy for agricultural insurance. We will increase support for agricultural insurance, increase central and provincial financial premium subsidies for major grain crops, and reduce or cancel county-level financial premium subsidies for three major grain crop insurance in major grain-producing counties. Establish a financial support mechanism for agricultural insurance catastrophe risk dispersion.
All regions and departments should fully understand the significance of accelerating the development of modern insurance service industry, take the development of modern insurance service industry as an important starting point to promote economic transformation, transform government functions, promote employment expansion, improve social governance, and ensure the improvement of people's livelihood, strengthen communication and coordination, and form a joint effort.
Relevant departments shall, in accordance with the requirements of this opinion, formulate relevant supporting measures in accordance with the division of responsibilities to ensure that all policies are in place. People's governments at the provincial level should formulate specific plans in light of the actual situation to promote the orderly and healthy development of modern insurance service industry in this region. ?
Baidu Encyclopedia-the State Council's Opinions on Accelerating the Development of Modern Insurance Service Industry