It can be predicted that insurance will play an important role in the fields including risk protection, social governance, economic compensation, supporting agriculture and benefiting farmers, and improving economic quality and efficiency. The "Ten Articles of New China" laid a policy foundation for commercial insurance to actively participate in and promote the development of industries such as pension, medical care and health. At the same time, a new concept of "people's livelihood security network" is put forward, which means that the security function of insurance is not limited to the field of social security, but can also be extended to the scope of people's livelihood security. \x0d\ Develop commercial insurance \x0d\ Improve social governance system \x0d\ The government applies market-oriented mechanism in the field of public services by purchasing services from commercial insurance companies, and promotes commercial insurance institutions to provide various pension and medical insurance services, thus improving the efficiency of social management. Give full play to the role of liability insurance in resolving contradictions and disputes, focus on developing liability insurance in areas closely related to public interests, such as environmental pollution, food safety, medical liability, medical accident, practice safety and campus safety, give full play to the functions of liability insurance in preventing risks in advance, controlling risks in the process and providing claims afterwards, and use economic leverage and diversified liability insurance products to resolve civil liability disputes, improve the social governance system and improve social governance capabilities. \x0d\ Developing commercial insurance \x0d\ Promoting economic upgrading and efficiency upgrading \x0d\ Insurance funds have the unique advantages of long-term investment. As institutional investors, insurance companies provide strong support for the long-term stable development of the stock market and bond market. Insurance funds use debt investment plans and equity investment plans to support major infrastructure, shantytown renovation, urbanization and other livelihood projects and major national projects. Provide financial support for the development of science and technology enterprises, small and micro enterprises and strategic emerging industries through various forms such as investing in corporate equity, creditor's rights, funds and asset support plans. Through the establishment of mezzanine funds, merger and acquisition funds, real estate funds and other private equity funds, we will invest in asset securitization products and cultivate and improve the capital market. \x0d\ Developing insurance products and services adapted to scientific and technological innovation and popularizing the insurance risk compensation mechanism of the first domestic equipment can promote enterprise innovation and industrialization of scientific and technological achievements. Develop personal consumption loan guarantee insurance, release residents' consumption potential, and give play to the role of consumption in stimulating the economy. Give play to the radiation effect of insurance on consulting, law, accounting, evaluation, auditing and other industries, 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. \x0d\ The insurance industry has entered a period of high-quality development \x0d\ In view of the development goals and direction of the insurance industry, the "Ten Articles of New China" also elaborated in detail. It is proposed that "by 2020, a modern insurance service industry with comprehensive protection and perfect functions will be basically built, and it will be transformed from a big insurance country to a strong insurance country. At the same time, the "Ten Articles of New China" also clearly put forward the time point and quantitative indicators for the completion of the target, that is, "by 2020, the insurance depth will reach 5% and the insurance density will reach 3,500 yuan/person". \x0d\ Insiders pointed out that in 20 13 years, China's insurance premium income 1.72 trillion, the insurance depth was 3%, and the insurance density per capita was less than 1300 yuan. If this goal is to be achieved, the insurance premium income will reach 4.73 trillion in 2020, and the compound annual growth rate of insurance premium will be close to 15.5%, which indicates that the insurance premium growth will enter a high-quality and efficient track in the next six years. \x0d\ Policies are well implemented \x0d\ Commercial insurance has great development potential \x0d\ After the release of the "Ten Articles of New China", the General Office of the State Council has made relevant regulations on commercial health insurance and endowment insurance, which are quite detailed, even involving specific types of insurance and specific areas of influence, and the contents are easier to understand and more operational and enforceable. Judging from the specific clauses involved in the "Ten Articles of New China", experts in the industry generally believe that there is great development space and potential in the fields of old-age care, health, public safety, agricultural insurance, catastrophe insurance, tax support and insurance fund utilization. \x0d\ In terms of tax support policies, the "Ten Articles of New China" put forward the idea of "launching a pilot project of deferred personal tax commercial endowment insurance in due course". The next step is expected to expand to health insurance, enterprise purchase of supplementary pension and medical insurance, agricultural insurance, technology research and development insurance and other fields. After the development of personal tax deferred commercial endowment insurance business, it will stimulate more people to buy commercial endowment insurance; After the implementation of income tax policies related to supplementary pension insurance, supplementary medical insurance and annuity insurance, more employees will enjoy these three types of insurance protection. \x0d\ Developing comprehensive liability insurance for old-age care institutions and supporting insurance institutions to invest in old-age care services is also the next key development direction of major life insurance companies. It will become a new trend to carry out the pilot project of housing reverse mortgage old-age insurance, develop the one-child family security plan, explore a new model for the elderly who have lost their independence, support insurance institutions to invest in the old-age service industry, encourage commercial health insurance products to connect with basic medical insurance, develop commercial long-term care insurance, and provide health management services such as disease prevention, health maintenance and chronic disease management in combination with commercial health insurance products. At the same time, insurance institutions will actively participate in the integration of the health service industry, set up medical institutions, and participate in the restructuring of public hospitals. \x0d\ Launching the agricultural product target price insurance pilot is another highlight of the "Ten Articles of New China" in the insurance industry. The "Ten Articles of New China" pointed out that new products and services such as weather index insurance will be explored, risk management tools will be increased, and agricultural risks will be reduced. Moreover, in the future, farmers can choose more "three rural" insurance products, such as rural microfinance insurance, rural housing insurance, agricultural machinery insurance, forest insurance and other inclusive insurance businesses. \x0d\ "Ten Articles of New China \" first proposed to guarantee catastrophe insurance through financial support. In the resolution of the Third Plenary Session of the 18th CPC Central Committee, although catastrophe insurance system was proposed, it was not defined as business or finance. The "Ten Articles of New China" clearly proposes to establish a multi-level catastrophe risk dispersion mechanism with financial support, which provides a source of premium for catastrophe risk. It also encourages all localities to explore effective protection modes for disasters such as typhoons, earthquakes, landslides, mudslides, floods and forest fires according to risk characteristics, clearly formulate catastrophe insurance laws and regulations, and establish a catastrophe risk management database.