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Several opinions of the State Council on the reform and development of the insurance industry. The people's governments of various provinces, autonomous regions, and municipalities directly under the Central Government, the ministries and commissions of the State Council, and the agencies directly under the State Council: Since the reform and opening up, especially since the 16th National Congress of the Communist Party of China, the reform and development of my country's insurance industry has achieved world-renowned achievements.

The insurance business has grown rapidly, the service areas have been continuously expanded, the market system has been increasingly improved, laws and regulations have been gradually improved, supervision levels have been continuously improved, risks have been effectively prevented, and the overall strength has been significantly enhanced. It has played an important role in promoting reform, safeguarding the economy, stabilizing society, and benefiting the people.

played an important role.

However, due to the late start of the insurance industry, weak foundation, limited coverage, and insufficient functions and roles, it is incompatible with the requirements of building a moderately prosperous society in an all-round way and building a harmonious socialist society, and is incompatible with the establishment of a sound socialist market economic system.

Adaptation is incompatible with the new situation of economic globalization, financial integration and comprehensive opening up to the outside world.

Facing the future, the development of the insurance industry stands at a new historical starting point, with huge potential and space for development.

In order to fully implement the Scientific Outlook on Development, clarify the guiding ideology, goals, tasks, and policies and measures for the reform and development of the insurance industry in the future period, accelerate the reform and development of the insurance industry, and promote the construction of a harmonious socialist society, the following opinions are hereby put forward: 1. Fully understand the need to accelerate the reform and development of the insurance industry

The importance of industrial reform and development. Insurance has the functions of economic compensation, financial financing and social management. It is a basic means of risk management under market economy conditions. It is an important component of the financial system and social security system. It plays an important role in the construction of a harmonious socialist society.

effect.

Accelerating the reform and development of the insurance industry is conducive to responding to disaster and accident risks, ensuring the safety of people's lives and property and the stable operation of the economy.

Our country causes huge losses of life and property every year due to natural disasters and various accidents such as traffic and production.

Due to factors such as institutional constraints, the proportion of enterprises and households participating in insurance is too low, and only a small number of disaster accident losses can be compensated through insurance. This is not conducive to the timely restoration of production and living order, and increases the financial and administrative burden of the government.

Accelerating the reform and development of the insurance industry and establishing a market-oriented disaster and accident compensation mechanism will play an irreplaceable and important role in improving the disaster prevention and rescue system, enhancing the ability of the whole society to withstand risks, and promoting fast and sound economic development.

Accelerating the reform and development of the insurance industry is conducive to improving the social security system and meeting the multi-level security needs of the people.

Our country is in a critical period of improving the socialist market economic system. The aging of the population is accelerating, people's living standards are improving, and the demand for security is increasing.

Accelerating the reform and development of the insurance industry and encouraging and guiding the people to participate in commercial pension, health and other insurances are of great practical significance for improving the social security system, improving the level of social security, expanding residents' consumer demand, and achieving social stability and harmony.

Accelerating the reform and development of the insurance industry is conducive to optimizing the allocation of financial resources and improving the socialist market economic system.

The development of my country's financial system is unbalanced and the proportion of indirect financing is too high, which affects the efficiency of financial resource allocation and is not conducive to the dispersion and resolution of financial risks.

The first 20 years of this century are an important period of strategic opportunities for my country to accelerate development, and the core role of finance in the modern economy is even more prominent.

Accelerating the reform and development of the insurance industry, giving full play to the important role of insurance in the allocation of financial resources, and promoting the coordinated development of the money market, capital market and insurance market are of great significance to improving the financial system and improving the socialist market economic system.

Accelerating the reform and development of the insurance industry is conducive to social management and public service innovation, and improves government administrative efficiency.

As the reform of the administrative management system deepens, the government must integrate various social resources, make full use of market mechanisms and means, and continuously improve social management and public services.

Accelerate the reform and development of the insurance industry, actively introduce insurance mechanisms to participate in social management, coordinate various interest relationships, effectively resolve social conflicts and disputes, promote public service innovation, improve the socialized economic compensation mechanism, further transform government functions, and improve government

Administrative efficiency plays an important role in promoting.

2. Guiding ideology, overall goals and main tasks for accelerating the reform and development of the insurance industry. With the improvement of my country's economic and social development level and the continuous improvement of the socialist market economic system, the people's understanding of insurance has further deepened, and the demand for insurance has increased day by day. The role of insurance has become more prominent, the foundation and conditions for development have become increasingly mature, and accelerating the reform and development of the insurance industry has become an inevitable requirement for promoting the construction of a harmonious socialist society.

The guiding ideology for accelerating the reform and development of the insurance industry is: guided by Deng Xiaoping Theory and the important thought of "Three Represents", adhere to the people-oriented, comprehensive, coordinated and sustainable scientific development concept, based on the overall situation of reform, development and stability, and strive to solve the problem of insurance industry and economic and social development

contradictions that are incompatible with people's living needs, deepen reform, accelerate development, make it bigger and stronger, develop the insurance industry with Chinese characteristics, give full play to the role of insurance as an economic "booster" and social "stabilizer", and contribute to the overall construction of a moderately prosperous society

society and building a harmonious socialist society.

The overall goal is to build a modern insurance industry with a complete market system, extensive service areas, honest and standardized operations, sufficient solvency, strong comprehensive competitiveness, and unified development speed, quality and efficiency.