As a function of disaster prevention and loss prevention and economic compensation of the insurance industry, is the social "stabilizer", "booster" of economic development. The insurance industry is a social "stabilizer" and an "enabler" of economic development. In this year's national "two sessions", insurance has become a high-frequency words in the "Government Work Report". Agricultural insurance, big disease insurance, export credit insurance ...... involves all aspects of economic and social development.
This year, the province will be how to use these insurance tools, for the people to hold up the protection of the "umbrella", for economic development escort.4/20, the reporter interviewed the head of Shanxi Insurance Bureau.
Expanding agricultural insurance coverage to accelerate farmers out of poverty
The Government Work Report pointed out that the development of various forms of moderate scale operation, is the road to modernization of agriculture with Chinese characteristics, can not be separated from the strong protection of agricultural insurance.
[Case] On July 18, 2015, a hailstorm occurred in the Yingwu Township area of Lingshi County, and 3,928 mu of walnuts planted by 564 farmers underwritten by PICC Lingshi Branch were damaged. According to the provisions of walnut planting insurance, the affected farmers were compensated *** totaling 2.416 million yuan.
June 30, 2015, Yuanping Dongshe Township, Xitou Village, 40 farmers in the PICC on the pear planting insurance, with 18,000 yuan of premiums to buy 294,000 yuan of risk protection. On July 17 of that year, these farmers' pear trees suffered a hailstorm, PICC insurance quickly paid 159,000 yuan in compensation.
[Status]
For farmers, agricultural insurance is becoming more and more like good seeds and fertilizers, which are indispensable for farming and planting.
In 2016, the pilot scope of local policy agricultural insurance in our province was further expanded. On the basis of "one city, one feature", further increase the subsidized varieties. 11 cities carried out including grapes, pears, facility vegetables, walnuts, apples, jujubes, small grains, meat goats, fattening pigs, beef cattle, watermelon, cucumber, silkworms, dryland tomatoes, harvest crop fire insurance, hog price index insurance and other 16 varieties of Local policy agricultural insurance pilot, the cumulative risk coverage of 919 million yuan, the insured farmers reached 207,500 households; the cumulative payment of compensation 21.693 million yuan, benefiting 12,000 households.
At the same time, the province to promote the implementation of the potato central financial subsidy insurance pilot. The central financial subsidy of 40% of the premium, the provincial financial arrangement of 20 million yuan of funds and then subsidize 40% after the farmers to pay only 20% of the proportion of self-payment. 2016 the first 11 months, the province's cumulative coverage of 668,100 acres of potato, coverage rate of 26.42%. In addition, the provincial finance also arranged 20 million yuan of funds to carry out jujube, walnut, apple, pear and other economic forest insurance premium subsidies for the county to make awards.
[Voice]
Shanxi Insurance Supervision Bureau Director Zhu Jinwei said that this year, the insurance industry will continue to expand agricultural insurance coverage, the implementation of services to the characteristics of modern agriculture efficiency projects, and strive to fattening pigs into the policy insurance coverage, to improve the level of insurance coverage for wheat, corn, and will accelerate the development of small grains, fresh and dried fruits, economic forests and other characteristics of the advantageous agricultural products insurance, to expand the weather index of agricultural crops, target price index insurance pilot scope. At the same time, the development of poverty alleviation micro-credit guarantee insurance, continue to promote small life insurance, promote poor areas in the road out of poverty to accelerate the run.
Improve the major disease insurance to cover the bottom line of people's livelihood
The Government Work Report mentioned that the full coverage of major disease insurance was realized in 2016, and the major disease insurance system should be improved in 2017 to raise the level of protection.
[Case] From September to December 2016, Li Jun (a pseudonym), a resident of Jiangxian County in Yuncheng, was hospitalized for a kidney transplant at a cost of more than 250,000 yuan. When he was discharged from the hospital, he was reimbursed 86,300 yuan through the New Agricultural Cooperative Medical Insurance (NACM) and 38,300 yuan through the Major Disease Medical Insurance (MDMI). Currently, his medical case file is in the process of being transferred from the major illness insurance to the major illness medical supplement insurance, and it is expected that the major illness medical supplement insurance will pay 15,900 yuan. That makes a total of $140,500 in reimbursements from the three insurances.
Taiyuan citizen Zhang Xin (a pseudonym), hospitalized for cerebral hemorrhage, hypertension and other diseases,*** cost 937,000 yuan. After the basic medical reimbursement of 58,000 yuan, the major disease insurance claimed another 400,000 yuan, which is 42.7 percentage points higher than the proportion of benefits before enrolling in the major disease insurance.
[Status]
In 2016, major disease insurance has covered 11 cities in the province. At present, the province's basic policy on major disease insurance is unified, and municipal-level coordination of major disease insurance for urban residents and the New Rural Cooperative has been implemented. The province's 2016 major disease insurance covers 25,345,800 people, with a payout amount of 488 million yuan and 89,400 payouts. Through the major disease insurance payout, the average percentage of insured patients' payout has increased by 15.7 percentage points, effectively reducing the phenomenon of "poverty caused by illness and returning to poverty due to illness".
For poor households with documented cards, the Shanxi Insurance Regulatory Bureau and other departments have introduced a policy of lowering the starting line for major disease insurance from 10,000 yuan to 5,000 yuan. By the end of 2016, the province had provided a total of 58.9 billion yuan of supplemental medical insurance coverage for major illnesses to 805,700 documented poor households.
[Voice]
Zhu Jinwei introduced that this year, Shanxi Insurance Supervision Bureau will continue to promote the major disease insurance policy to the filing card poor households, promote the pilot of supplemental medical insurance for the poor population, and reduce the burden of medical treatment on the poor population. At the same time, in accordance with the requirements of the provincial party committee and the provincial government, the insurance industry will pilot to explore the commercial insurance handling services, and gradually form a seamless integration of "major illness insurance + basic medical insurance" handling model, improve the efficiency of government public **** services. In addition, the insurance industry will also promote the "one-stop" service of major disease insurance, improve the level of major disease insurance contractors, and accelerate the development of individual tax-advantaged health insurance.
Speeding up the development of export credit insurance for enterprises to "go out" escort
"Government work report" in the deployment of the key tasks in 2017 pointed out that: expanding the coverage of export credit insurance, complete sets of equipment export financing should be insured as much as possible.
[Case] In 2011, the Shanxi branch of China CIB cooperated with DAYUN Automobile to provide insurance protection for the equipment manufacturing industry in our province, and in 2012 and 2013, DAYUN Automobile's business exported to Mongolia was at risk, with the buyer experiencing financial constraints and difficulties in sales, and was unable to pay for the goods within a short period of time. The buyer had financial constraints and sales difficulties, and was unable to pay for the goods in a short period of time. After the intervention of ECIC, it paid out about 8 million RMB to DYM in a timely manner and successfully recovered part of the payment, which greatly boosted DYM's confidence in exploring the overseas market. Under the escort of export credit insurance, the export volume of DAYUN Automobile has been on the rise year after year, and in 2015, it exceeded 30 million dollars.
Export credit insurance also helps agricultural products reduce the credit risk of foreign trade. Pinglu County Golden Boy Fruit Industry Professional Cooperative is a small and micro-enterprise that grows and exports apples.At the beginning of 2014, the enterprise successively exported more than 20,000 boxes of apples to Bangladesh. The buyer was late in paying the payment after taking delivery of the goods. After communication was fruitless, Golden Boy Fruit Industry reported the case to China Credit Insurance Shanxi Branch. After the company intervened in the investigation, the buyer was found to have malicious delinquency behavior. Subsequently, Shanxi insurance to the Golden Boy fruit industry to pay compensation of more than 230,000 yuan.
[Status quo]
Export credit insurance is an internationally accepted trade promotion measure in line with the rules of the World Trade Organization, and the business risks it covers are mainly in foreign countries, involving political and commercial risks in international trade and investment, including the credit risks of overseas buyers and banks, and the sovereign credit risks of foreign governments, as well as the political risks such as exchange restrictions.
In 2010, China CITIC Insurance officially set up a branch in the province, and the amount of export support jumped from 150 million U.S. dollars in 2009 before the company was established to 2.51 billion U.S. dollars in 2015; the underwriting enterprises grew from more than 20 to 669 in 2009.In the first 10 months of 2016, the export credit insurance service supported 887 exporters, and the general trade export penetration rate and enterprise coverage reached more than 90%.
[Voice]
Zhu Jinwei introduced that this year, the province will accelerate the development of export credit insurance business, to protect the transition and upgrading of advantageous products exports, overseas investment and engineering construction safety, and to support the export-oriented small and micro-enterprises to become bigger and stronger. At the same time, the insurance industry will promote the construction of insurance mechanism in the field of transformation and upgrading, accelerate the development of scientific and technological insurance focusing on the first (set) of major technical equipment insurance, and explore the development of patent insurance, to provide a full range of insurance protection for the enterprise's independent innovation, technological transformation and equipment upgrading. In addition, it will also increase the information technology, new materials, new energy and other areas of insurance coverage, and promote the establishment of advanced equipment manufacturing and other insurance mechanisms to serve the development of strategic emerging industries.