multiple departments have introduced a "combination" of financial policies to support economic development
2024-09-29
한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina
the political bureau meeting of the central committee of the communist party of china on september 26 pointed out that we will effectively implement existing policies, step up efforts to introduce incremental policies, further improve the pertinence and effectiveness of policy measures, and strive to complete the annual economic and social development goals and tasks.
in order to strive to achieve the annual development goals and fight for the economy, multiple departments have introduced policies to form a "combination punch" to support economic development. at the state council's regular policy briefing held on the 27th, the relevant person in charge of the state administration of financial supervision stated that it is necessary to enhance the role of insurance in protecting and improving people's livelihood, preventing disasters and reducing losses, and serving the real economy, and promote insurance funds to better serve the new economy. development of qualitative productivity.
state administration of financial supervision: a high-quality development framework for the insurance industry will be initially formed in 2029
according to reports, the "several opinions on strengthening supervision, preventing risks and promoting high-quality development of the insurance industry" issued not long ago clarified the guiding ideology, main principles and development goals for promoting the high-quality development of my country's insurance industry.
xiao yuanqi, deputy director of the state administration of financial supervision:by 2029, a high-quality development framework for the insurance industry will be initially formed with steadily expanding coverage, increasingly comprehensive protection, continuous improvement of services, stable and balanced asset allocation, sufficient solvency, and sound and effective governance and internal control. to better meet the people’s growing needs for insurance protection and wealth management.
xiao yuanqi introduced that in the future, while vigorously developing the third pillar pension insurance, health insurance and inclusive insurance, we must also develop technology insurance and green insurance to support technological innovation and the construction of a modern industrial system.
data show that by the end of august this year, the balance of insurance funds used was 31.8 trillion yuan, a year-on-year increase of 10.4%. the insurance industry provides financial support to the real economy through debt, equity and other means.28.8 trillion yuan, a year-on-year increase of 12.2%.
state administration of financial supervision: commercial health insurance supporting policy documents will be released
protecting and improving people's livelihood is one of the important functions of insurance. the person in charge of the relevant departments of the state administration of financial supervision said that supporting policy documents for commercial health insurance will be issued to further strengthen the insurance protection function.
according to reports, the commercial health insurance supporting policy documents will clarify the future development direction and path of commercial health insurance, expand the service population, service fields, and service methods to meet the people's diverse health protection needs.
luo yanjun, director of the personal insurance supervision department of the state administration of financial supervision:in terms of serving people, we develop products adapted to the needs of the elderly, sick people, new citizens and other groups. in the service field, promote the collaboration between health insurance, the health industry chain, and the biomedical industry, and include the application of more new medical technologies, new drugs, and new equipment into the scope of protection. in terms of service methods, we will gradually shift from post-event claims settlement to in-process and ex-ante value-added services.
in addition, the financial regulatory authorities will also promote the coordinated development of commercial health insurance and medical insurance, medical care, and medicine, open up data congestion points and information stuck points, promote the realization of one-stop settlement of commercial health insurance medical expenses, and make insurance claims more convenient.
statistics show that there are currently 157 insurance companies in my country that carry out health insurance business.a total of nearly 800 million passengers have been insured. the insurance industry has accumulated more than 2.3 trillion yuan in long-term health insurance liability reserves。
state administration of financial supervision: will introduce policies to improve commercial pension finance business
with the trend of population aging, the role of the insurance industry in the field of elderly care has become increasingly prominent. the person in charge of the relevant departments of the state administration of financial supervision said that they will promptly introduce supporting policies to improve the commercial pension financial business.
at present, our country is developing a multi-level and multi-pillar pension insurance system. the first pillar is basic pension insurance; the second pillar is enterprise annuity and occupational annuity; the third pillar is personal pension system and various commercial pension financial services. the third pillar pension insurance product developed by insurance companies is also called commercial insurance annuity.
luo yanjun, director of the personal insurance supervision department of the state administration of financial supervision:we must promptly introduce supporting policies, scientifically define the connotation and extension of commercial annuities, and encourage insurance companies to leverage their advantages in actuarial technology, long-term product development, and long-term capital management to provide the people with a variety of pension security and inter-temporal financial planning services.
luo yanjun said that the state administration of financial supervision also encourages insurance companies to speed up product transformation and develop floating income products through "personal protection + guaranteed benefits + floating income"such a multi-functional design improves the scientificity, effectiveness and stability of customers' life-cycle personal protection and financial planning, and meets the differentiated needs of customers of different ages and risk preferences.
state administration of financial supervision: accelerate the establishment of a technology insurance policy system
insurance plays an indispensable role in serving technological innovation. the person in charge of the relevant departments of the state administration of financial supervision stated yesterday (27th) that my country will establish a technological insurance policy system and improve the insurance products and service system covering the entire life cycle of technological enterprises.
according to reports, technology insurance is different from ordinary insurance. it is more professional and has unique risk characteristics. the state administration of financial supervision will build a data resource sharing platform with multi-party participation, and at the same time cultivate supporting service institutions to promote technology insurance to "do it and do it". well done".
yin jiangao, director of the property insurance supervision department of the state administration of financial supervision:innovate technology insurance products around the protection needs of technology enterprises throughout the entire cycle and technology innovation. for example, we will optimize the first batch insurance policy mechanism and improve the intellectual property insurance product system, including pilot exploration of new types of insurance such as network security insurance and r&d loss insurance.
the state administration of financial supervision will also work with relevant departments to increase policy support, guide various localities to innovate policy support measures such as reward and subsidy mechanisms, tax incentives, and risk sharing, and promote the formation of new paths, new models, and new plans for related technology insurance. technology insurance pilots are currently underway in ningbo, shanghai lingang, wuhan east lake and other places, and the state administration of financial supervision will support the promotion of the pilots.
data also shows that from january to august this year, technology insurance premiums amounted to 38.8 billion yuan, providing risk protection of more than 7 trillion yuan for scientific and technological activities such as scientific research and development, achievement transformation, promotion and application. among them, the first (set) batch insurance compensation mechanism provides nearly 1 trillion yuan in risk protection for major technical equipment and key new material applications.
optimizing the independent pricing scope of new energy auto insurance to ease insurance difficulties
in response to the difficulties in insuring new energy vehicles reported by some car owners, the head of the relevant departments of the state administration of financial supervision stated yesterday (27th) that they are studying and optimizing the independent pricing coefficient range of new energy vehicle insurance, exploring family car online booking operation combination products, and exploring the risks of high-compensation vehicles. sharing mechanism. in addition, we will work with relevant departments to promote information sharing to reduce the accident rate of new energy vehicles and reduce maintenance costs.
(cctv reporters wang lei, yang litian, wang jialin, zhang jun, tianjin channel)
