1, the overall requirements
(a) Guiding ideology. Guided by Deng Xiaoping Theory, the Important Thought of the Three Represents, and the Scientific Outlook on Development, based on serving the modernization of the national governance system and governance capacity, placing the development of a modern insurance service industry in the overall layout of the economic and social work for overall consideration, and taking meeting the growing demand for diversified insurance services as a point of departure, the development of insurance services is aimed at improving the economic compensation mechanism, strengthening the core function of risk management, and improving the efficiency of the allocation of insurance funds. With the direction of improving the financial compensation mechanism of insurance, strengthening the core function of risk management and improving the efficiency of insurance fund allocation, reforming and innovating, expanding and opening up, improving the market, optimizing the environment and perfecting the policy, we will build a modern insurance service industry that is competitive, creative and energetic in the market,
so that the modern insurance service industry will become a pillar of the financial system, a powerful support for the improvement of people's livelihood, an effective mechanism for the innovation of social management, and an effective mechanism for the innovation of social management.
To make the modern insurance service industry a pillar force for improving the financial system, a powerful support for improving people's livelihood and security, an effective mechanism for innovating social management, an efficient engine for promoting the quality, efficiency and upgrading of the economy, and an important hand in transforming the government functions.
(ii) the basic principles. First, adhere to the market-led, policy guidance. The commercial operation of the insurance business, to create a fair competition in the market environment, so that the market plays a decisive role in the allocation of resources; with social welfare, the national livelihood of the insurance business, to create a low-cost policy environment, to give the necessary support;
The service of the economy to enhance the quality of efficiency and upgrading of the insurance business has a positive role but is currently based on a weak foundation, and to play a better role in guiding the government. Second, adhere to the reform and innovation, expanding openness. Comprehensively deepen the reform of the insurance industry's institutions and mechanisms, enhance the level of opening up to the outside world, the introduction of advanced business management concepts and technologies, release and stimulate the industry's sustained development and innovation vitality.
Enhancing the innovation capacity of insurance products, services, management and technology, and promoting differentiated competition and personalized services among market players. Thirdly, we insist on improving supervision and preventing risks. Improve the insurance legal system, accelerate the modernization of insurance supervision, safeguard the legitimate rights and interests of insurance consumers, and regulate the market order. Handle the relationship between accelerated development and risk prevention, and hold the bottom line of no systemic regional financial risks.
(3) Development Goals. By 2020, basically built a comprehensive protection, perfect function, safe and sound, integrity and standardization, with strong service capacity, innovation and international competitiveness, and China's economic and social development needs in line with the modern insurance service industry, and strive to change from a large insurance country to a strong insurance country. Insurance has become a basic means of risk management and wealth management for the government, enterprises and residents,
an important channel for improving the level and quality of protection, and an effective tool for the government to improve public ****service and strengthen social management. The depth of insurance (premium income/GDP) has reached 5%, and the density of insurance (premium income/total population) has reached 3,500 yuan per person. The role of insurance as a social "stabilizer" and economic "booster" has been effectively played.
2, building insurance livelihood protection network, improve the multi-level social security system
(d) commercial insurance into an important pillar of the social security system. Commercial insurance should gradually become the main bearer of individual and family commercial protection plans, an important provider of enterprise-initiated pension and health protection plans, and an active participant in the market-oriented operation of social insurance. Support the establishment of commercial old-age health protection plans by enterprises in a position to do so.
Supporting insurance organizations to vigorously expand business such as enterprise annuities. Give full play to the complementary role of commercial insurance to basic pension and medical insurance.
(v) Innovating pension insurance products and services. Provide personalized and differentiated pension protection for different groups. Promote the development of personal savings pension insurance. Launching a pilot program of reverse mortgage pension insurance for housing.
Developing the one-child family protection program. Explore new modes of protection for the elderly who have lost their children. Developing comprehensive liability insurance for elderly organizations. Support qualified insurance organizations to invest in the senior care service industry, and promote the integration and development of the insurance service industry and the senior care service industry.
(6) Developing diversified health insurance services. Encourage insurance companies to vigorously develop various types of medical treatment, disease insurance and loss of income insurance for incapacity and other commercial health insurance products, and connect with basic medical insurance. Develop commercial long-term care insurance.
Providing health management services such as disease prevention, health maintenance and chronic disease management combined with commercial health insurance products. Support insurance organizations to participate in the integration of the health service industry chain, and explore the use of equity investment, strategic cooperation and other ways to set up medical institutions and participate in the restructuring of public hospitals.
3. Utilizing insurance risk management functions to improve the social governance system
(7) Utilizing the insurance mechanism to innovate the way public **** services are provided. The government, through the purchase of services from commercial insurance companies, etc., in the field of public **** services to make full use of market-oriented mechanisms, and actively explore the promotion of qualified commercial insurance institutions to carry out various types of pension, medical insurance services, to enhance the efficiency of social management.
In accordance with the requirements of comprehensive urban and rural residents' major disease insurance, do a good job of entrusted contractors, and constantly improve the operation mechanism and raise the level of protection. Encourage the development of security insurance, community comprehensive insurance and other emerging businesses. Support insurance organizations to use equity investment, strategic cooperation and other ways to participate in the integration of the security services industry chain.
(viii) play the role of liability insurance function to resolve conflicts and disputes. Strengthen the government-led, market-operated and legislatively-guaranteed liability insurance development model, and make environmental pollution, food safety, medical liability, medical accidents, internship safety, campus safety and other areas closely related to public interests the focus of liability insurance development, and explore the development of mandatory liability insurance pilot.
Speeding up the development of travel agencies, product quality and various types of occupational liability insurance, product liability insurance and public liability insurance, giving full play to the functional role of liability insurance in the prevention of risk beforehand, risk control during the incident, and claims service after the incident, and resolving civil liability disputes by using economic leverage and diversified liability insurance products.
4, improve the insurance economic compensation mechanism, increase participation in disaster relief
(ix) insurance into the disaster prevention and relief system. Enhance the awareness and level of enterprises and residents to use commercial insurance and other market-oriented means to cope with the risk of disasters and accidents. It is actively developing enterprise property insurance, engineering insurance, motor vehicle insurance, household property insurance, and accidental injury insurance, so as to enhance the ability of society as a whole to withstand risks.
To give full play to the role of incentives and restraints leveraged by insurance premium rates, to strengthen ex ante risk prevention, to reduce the occurrence of disasters and accidents, and to promote safe production and emergency management of emergencies.
(j) Establishment of catastrophe insurance system. Focusing on better protection and improvement of people's livelihoods, the establishment of a catastrophe insurance system is based on system construction, with commercial insurance as the platform and multi-level risk sharing as the guarantee. It is studying the establishment of a catastrophe insurance fund, catastrophe reinsurance and other systems, and gradually forming a multi-level catastrophe risk dispersion mechanism with financial support.
Encouraging localities to explore effective protection models for disasters such as typhoons, earthquakes, landslides, mudslides, floods and forest fires, based on risk characteristics. Formulate catastrophe insurance regulations. Establish a catastrophe liability reserve system for nuclear insurance. Establish a catastrophe risk management database.
5, vigorously develop the "three rural" insurance, innovative ways to support and benefit agriculture
(k) actively develop agricultural insurance. In accordance with the central support insurance bulk, insurance costs, local support insurance characteristics, insurance yield, conditional insurance prices, insurance income principle, to encourage farmers and various types of new agricultural business entities to participate in voluntary insurance, to expand the coverage of agricultural insurance, to improve the degree of protection of agricultural insurance.
Carrying out the pilot target price insurance for agricultural products, exploring weather index insurance and other emerging products and services, and enriching agricultural insurance risk management tools. Implement a catastrophe risk reserve system for agricultural insurance. Improve the agricultural insurance service system and encourage the development of various forms of mutual cooperation insurance. Improve the cooperation mechanism between insurance operators and disaster forecasting departments and agricultural authorities.
(xii) Expanding the breadth and depth of "three rural" insurance. According to their own reality, support insurance organizations to provide appropriate protection, low premiums, policy common "three rural" insurance products. Actively develop rural micro-credit insurance, farm house 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 business.
6. Expanding insurance service functions and promoting economic quality, efficiency and upgrading
(xiii) Give full play to the unique advantages of long-term investment of insurance funds. Under the premise of ensuring safety and profitability, insurance funds are utilized in innovative ways to improve the efficiency of insurance fund allocation. Encourage insurance funds to use debt investment plans, equity investment plans and other means to support major infrastructure, shantytown renovation, urbanization construction and other livelihood projects and major national projects.
Insurance companies are encouraged to provide financial support for the development of science and technology-based enterprises, small and micro-enterprises, and strategic emerging industries by investing in enterprise equity, debt, funds, asset support programs and other forms of investment on the premise of reasonable risk control. It will study and formulate policies related to the investment of insurance funds in venture capital funds.
(xiv) Promoting the coordinated development of the insurance market with the money market and capital market. Further play the role of insurance companies as institutional investors, and provide strong support for the long-term and stable development of the stock and bond markets. It encourages the establishment of professional insurance asset management organizations for real estate, infrastructure and pension, and allows professional insurance asset management organizations to set up mezzanine funds, merger and acquisition funds, real estate funds and other private equity funds.
Steadily promoting the establishment of insurance companies to pilot fund management companies. Explore insurance institutions to invest in and initiate asset securitization products. Explore the development of bond credit insurance. Actively cultivate the alternative investment market.
(xv) Promoting insurance services for economic restructuring. Establish and improve the science and technology insurance system, actively develop insurance products and services adapted to scientific and technological innovation, promote the insurance risk compensation mechanism for the first set of domestically produced 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 financing capacity of small and micro-enterprises.
Actively developing personal consumption loan guarantee insurance to release residents' consumption potential. It will give full play to the radiation effect of insurance on consulting, law, accounting, evaluation, auditing and other industries, actively develop insurance for the cultural industry and logistics insurance, and explore new insurance businesses such as performing arts and exhibition liability insurance, so as to promote the development of the tertiary industry.
(xvi) Increase the insurance industry's support for enterprises to "go global". Efforts will be made to bring into play the role of export credit insurance in promoting the stable growth and transformation and upgrading of foreign trade. Increase export credit insurance support for independent brands, independent intellectual property rights, strategic emerging industries, focusing on high-tech, high-value-added electromechanical products and large-scale complete sets of equipment, and simplify the approval process.
Speeding up the development of overseas investment insurance, focusing on energy and minerals, infrastructure, high-tech and advanced manufacturing, agriculture and forestry as key support areas, innovating insurance varieties and expanding the scope of coverage. Steadily liberalize the short-term export credit insurance market and further increase the number of market operators. 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 enhance the level of development of the industry
(xvii) Deepen the reform of the insurance industry. It will continue to deepen the reform of insurance companies, accelerate the establishment of modern insurance enterprise system, and improve the governance structure of insurance companies. Deepen the market-oriented reform of life insurance rates, and steadily carry out the market-oriented reform of commercial auto insurance rates.
Promoting the reform of insurance market access and exit mechanism. Accelerate the improvement of the insurance market system, support the establishment of regional and specialized insurance companies, and develop specialized credit insurance institutions. Regulate mergers and acquisitions and reorganization of insurance companies. It will support the listing of qualified insurance companies at home and abroad.
(xviii) Enhancing the level of opening up of the insurance industry to the outside world. Promote further opening up of the insurance market to the outside world, realize 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 out" in multiple forms and through multiple channels to provide risk protection for China's overseas enterprises.
Supporting Chinese-funded insurance companies to raise funds through the international capital market and enter overseas markets through various channels. Efforts will be made to expand the export of insurance services. Guide foreign-funded insurance companies to implant their advanced experience and technology into the Chinese market.
(19) Encouraging innovation in insurance products and services. Effectively enhance the independent innovation capability of the insurance industry and actively cultivate new business growth points. Support insurance companies to actively utilize new technologies such as network, cloud computing, big data and mobile Internet to promote innovation in sales channels and service models in the insurance industry.
Vigorously promoting the popularization of terms and conditions and the standardization of services, encouraging insurance companies to provide personalized and customized product services, and reducing homogeneous and inefficient competition. It also promotes insurance companies to change their mode of development, improve service quality, strive to reduce operating costs, and provide quality, low-priced, honest and standardized insurance products and services.
(xx) Accelerating the development of the reinsurance market. Increase the number of reinsurance market players. Develop regional reinsurance centers. Increase reinsurance products and technological innovation. Increase insurance coverage for large-scale risks and special risks of agriculture, transportation, energy, chemical industry, water conservancy, subway, aerospace, nuclear power and other national key projects.
Enhancing the ability of reinsurance to disperse natural disaster risks. Strengthen the support and protection function of reinsurance for China's overseas enterprises, and enhance China's pricing power and discourse power in the global reinsurance market.
(xxi) Give full play to the role of insurance intermediary market. Continuously improve the professional and technical capabilities of insurance intermediaries, give full play to the positive role of intermediaries in risk pricing, disaster prevention and loss prevention, risk consultancy, loss assessment, claims service, etc., and better provide value-added services for insurance consumers. Optimize the structure of the insurance intermediary market and regulate the market order. Steadily promote the reform of the insurance marketing system.
8. Strengthening and Improving Insurance Supervision, Preventing and Resolving Risks
(xxii) Promoting the modernization of the supervisory system and supervisory capacity. It will adhere to the unification of institutional and functional supervision, the unification of macro-prudential supervision and micro-prudential supervision, and accelerate the construction of a risk-oriented insurance regulatory system. It will strengthen the governance and internal control supervision of insurance companies, improve the supervision of market behavior, and accelerate the construction of the second-generation solvency supervision system.
Improving the system of insurance regulations and improving the level of regulatory legalization. Actively promote the construction of regulatory informationization. Give full play to the role of insurance industry associations and other self-regulatory organizations. It will make full use of the resources of insurance regulatory agencies and strengthen the work of grassroots insurance supervision.
(23) Strengthening the protection of the legitimate rights and interests of insurance consumers. Promote the improvement of laws, regulations and rules for the protection of legitimate rights and interests of insurance consumers. It will explore the establishment of a diversified mechanism for the settlement of insurance consumer disputes, and establish and improve the docking mechanism for litigation, arbitration and mediation of insurance disputes.
Increasing insurance supervision, supervising insurance institutions to fully fulfill their obligations to insurance consumers, and seriously investigating and dealing with all kinds of behaviors that harm the legitimate rights and interests of insurance consumers.
(xxiv) Guard the bottom line against systemic and 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 contingency plan, optimize the risk disposal process and system, and improve the risk disposal capacity. Strengthen accountability, enhance market discipline, and prevent risk accumulation. Strengthen the coordination of financial supervision and prevent the transfer of risks across industries.
Improve the cooperation mechanism between insurance supervision and local people's governments, as well as public security, justice, news propaganda and other departments. Improve the management system and operation mechanism of the Insurance Guarantee Fund.
9. Strengthening Infrastructure Construction and Optimizing the Environment for the Development of the Insurance Industry
(xxv) Comprehensively promoting the construction of credit system for the insurance industry. It will strengthen the construction of insurance credit information infrastructure, expand the coverage of credit records, and build a credit information ****sharing mechanism. Insurance institutions are guided to adopt differentiated insurance premium rates and other means to provide incentives to those who keep their word and to restrain those who fail to do so. Improve the credit file system for insurance practitioners, the credit evaluation system for insurance organizations and the mechanism for punishing those who fail to comply.
(26) Strengthening the construction of insurance industry infrastructure. Accelerate the establishment of databases on various types of risks in the insurance industry, and revise the industry's experience life table and disease incidence table.
Establishing industry-wide asset custody centers, insurance asset trading platforms, reinsurance exchanges, disaster and loss prevention centers, and other basic platforms, accelerating the development of China Insurance Information Technology Management Company Limited, to provide support for upgrading the level of risk management in the insurance industry, and promoting the transformation and upgrading of the industry.
(27) Raising the awareness of insurance in the whole society. It will give full play to the positive propaganda and guiding role of the news media, and encourage radio and television broadcasting, print media and the Internet to set up special insurance channels or programs, so as to form an atmosphere of learning insurance, understanding insurance and using insurance in the whole society. Strengthen insurance awareness education for students in primary and secondary schools and vocational colleges and universities.
10. Improvement of Support Policies for the Development of Modern Insurance Service Industry
(28) Establishment of Insurance Supervision Coordination Mechanism. It will strengthen cross-sectoral communication, coordination and cooperation in insurance supervision, and promote the effective convergence of commercial insurance and social security, the mutual integration of insurance services and social governance, and the close integration of commercial mechanisms and government management.
Establishing an information ***sharing mechanism, gradually realizing data ***sharing, and upgrading the level of risk screening and risk management ability of relevant departments. Establishment of insurance database public security, judicial and audit query mechanism.
(29) Encourage the government to purchase insurance services through a variety of ways. Encourage localities to combine the practical, actively explore the use of insurance risk management function and insurance institutions, such as network, professional and technical advantages, through the use of market-oriented mechanisms to reduce the operating costs of public **** services.
For public **** services that are more efficiently operated by commercial insurance institutions, the government can entrust insurance institutions to handle them or directly purchase insurance products and services; for insurance services that are of strong public interest but cannot achieve a profit-and-loss balance through market-oriented operation, the government can provide certain support.
(30) To study and improve the tax policies for accelerating the development of the modern insurance service industry. Improve the tax policies related to health insurance. Carry out pilot projects of individual tax-deferred commercial pension insurance in due course. Implementing and improving the enterprise income tax policies on supplementary pension insurance premiums and supplementary medical insurance premiums paid by enterprises for their employees.
Implementing preferential tax policies on agricultural insurance. In conjunction with the improvement of the policy of additional deduction for enterprise income tax on research and development expenses, it will coordinate the study of the issue of pre-tax deduction policy for expenditure on scientific and technological research and development insurance costs.
(xxxi) Strengthening land security for the pension industry and health service industry. People's governments at all levels should take into account the development needs of the elderly care industry and health service industry in the overall land use planning, expand the supply of land for elderly care service facilities and health service industry, and prioritize the supply. Strengthen the supervision of the land for senior care and health service facilities, and strictly prohibit the change of land use.
Encourage qualified insurance organizations and other investment in the elderly care industry and health service institutions.
(32) Improving financial subsidy policies for agricultural insurance. Increase the support for agricultural insurance, raise the premium subsidies for major food crops from the central and provincial governments, and reduce or cancel the county-level financial subsidies for insurance of the three major food crops in grain-producing counties. The establishment of financial support for agricultural insurance catastrophe risk dispersion mechanism.
Regions and departments should fully understand the significance of accelerating the development of modern insurance services, take the development of modern insurance services as an important hand in promoting economic transformation, transforming government functions, leading to the expansion of employment, perfecting social governance, and safeguarding and improving people's livelihoods, and strengthen communication and coordination to form a synergy of efforts.
Related departments shall, according to the requirements of this opinion and in accordance with the division of responsibilities, urgently formulate relevant supporting measures to ensure the implementation of the policies in place. Provincial people's governments should be combined with the actual formulation of specific programs to promote the orderly and healthy development of modern insurance services in the region.
Baidu Encyclopedia - Opinions of the State Council on Accelerating the Development of Modern Insurance Service Industry