The Opinions emphasize that all regions and departments should fully understand the great significance of accelerating the development of modern insurance service industry, strengthen communication and coordination, form joint efforts, ensure that all measures are put in place, and promote the orderly and healthy development of modern insurance service industry. The following is the relevant details of the insurance "Ten Articles of New China" that I carry with me. I hope it helps you.
Financial support catastrophe insurance
The "Ten Articles of New China" formally established the development goal of the insurance industry. By 2020, a modern insurance service industry with comprehensive guarantee, perfect functions, safety and stability, standardized integrity, service ability, innovation ability and strong international competitiveness will be basically built to meet the needs of China's economic and social development, and efforts will be made to transform from a big insurance country to a strong insurance country. By then, the insurance depth (premium income /GDP) will reach 5%, and the insurance density (premium income/total population) will reach 3,500 yuan/person.
Specifically, insurance will play the role of social "stabilizer" and economic "booster", become the basic means of risk management and wealth management for the government, enterprises and residents, become an important channel to improve the level and quality of security, and become an effective tool for the government to improve public services and strengthen social management.
A property insurance person said that the "Ten Articles of New China" has made the social management of insurance services more detailed from the policy and system level, and the development goal of insurance is consistent with the role that insurance plays in mature markets. The development of the insurance market is closely related to the national economy. Exploring the insurance demand in the process of economic development requires the guidance and investment of the government, such as catastrophe insurance, endowment insurance, liability insurance and other fields to protect and improve people's livelihood.
The catastrophe insurance system, which has attracted much attention, officially landed in the "Ten Articles of New China", requiring the gradual formation of a multi-level catastrophe risk dispersion mechanism with financial support.
If the "Decision" of the Third Plenary Session made it clear whether to build a catastrophe insurance system, then the "Ten Articles of New China" mainly solved the problem of "how to build it", that is, to build a catastrophe insurance system based on system construction, with commercial insurance as the platform and multi-level risk sharing as the guarantee. At the same time, it also solved two particularly critical bottlenecks: financial support and the establishment of catastrophe insurance fund.
At present, the pilot project of catastrophe insurance in Shenzhen was launched in June this year, but the time for the introduction of Yunnan earthquake insurance scheme has been postponed repeatedly, mainly because it is difficult for local financial funds to match. In this regard, Wang He said that the pilot work faces many basic problems that cannot be solved by local governments themselves, and the "Ten Articles of New China" just answered and solved these problems. The next step is to grasp both hands, and in the long run, grasp catastrophe insurance legislation; At present, we should pay attention to the construction of catastrophe insurance fund platform and solve the difficulties and problems faced in the pilot through the overall coordination of the central fund.
Pension service industry is not equal to pension real estate.
Similarly, in order to serve people's livelihood, the "Ten Articles of New China" gives insurance the title of "an important pillar of social security system", and clearly defines three roles that insurance plays, namely, the main undertaker of personal and family business security plans, the important provider of old-age health security plans initiated by enterprises, and the active participant of social insurance market operation.
The "Ten Articles of New China" clearly stated that the insurance industry should "invest in the aged care service industry and promote the integrated development of the insurance service industry and the aged care service industry", and for the first time explicitly requested to strengthen the land security of the aged care industry and the health service industry. Wang He believes that this is the most easily misunderstood place, and the old-age service industry is not equal to the old-age real estate. Pension real estate is a part of the pension service industry, or even only a small part. The insurance industry must not only focus on the old-age real estate, but may go astray, not only violating the original intention of the "Ten Articles of New China", but also missing opportunities.
Wang He further stated that the insurance industry should observe, think and solve the aging problem in China from the perspective of social management, and look at its role and development from the perspective of promoting the aged care service industry in China. First of all, we should pay attention to the development of community pension industry, which is undoubtedly an important foundation for China's pension. Therefore, through the combination with insurance, it is promising to explore a new model of innovative community pension resources construction. Secondly, we should pay attention to using the advantages of insurance funds and credit to achieve synergy and integration with related industries, for example, through the securitization of pension real estate (REITs) products, and explore the deep integration with the pension industry.
In addition, the "Ten Articles of New China" also puts forward 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.
The above-mentioned property insurance people said that at present, the share of liability insurance in property insurance is very small, and the progress of the compulsory liability insurance pilot is slightly slow. While insurance plays a corresponding role, it is also necessary to clarify the division of social functions between the government and the insurance industry. The development of liability insurance is inseparable from a good legal environment and supporting financial support.
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