The insurance industry should focus on supporting scientific and technological innovation

Anhui's strategy of promoting the insurance industry to serve the national and regional development

Recently, Anhui Insurance Regulatory Bureau and the Financial Office of the provincial government issued "Guiding Opinions on Insurance Industry Supporting the Construction of Wanjiang City Belt to Undertake Industrial Transfer Demonstration Zone" to promote the insurance industry to serve the national and regional development strategy. The opinion requires that the insurance industry in the jurisdiction should put the construction of service demonstration zone in a more prominent position, actively focus on the needs of the construction of Wanjiang demonstration zone, further promote insurance innovation, focus on expanding the scope of insurance services, focus on improving the quality and level of insurance services, and strive to provide comprehensive, systematic and efficient insurance support for the construction of demonstration zone.

first, give play to the function of economic security, and disperse the risks in undertaking key industries in Wanjiang demonstration zone. First, vigorously promote insurance for key projects. Accelerate the development of enterprise property insurance, engineering insurance and other businesses, and improve the degree of risk protection for traditional advantageous industries and technological transformation industries such as equipment manufacturing, raw materials and textiles; Expand the coverage of key infrastructure, newly introduced large projects and other projects under construction, and strive to include relevant premium expenses in the project budget; Actively carry out insurance for relocation of plant and equipment; Encourage the provision of a package of insurance protection for industrial clusters.

the second is to steadily develop insurance for emerging industries. Expand the pilot area and business scope of science and technology insurance; Encourage the development of insurance business for technology-oriented, growth-oriented and export-oriented small and medium-sized enterprises, and strengthen insurance services for service outsourcing enterprises.

Third, actively develop service industry insurance. We will develop logistics insurance business by focusing on goods, storage facilities, means of transport and traffic facilities. Promote travel agency liability insurance, tourist site liability insurance and tourists' personal accident insurance to support the development of tourism in Wanjiang; Encourage the development of insurance business in exhibition, sports, performing arts and other fields.

the fourth is to accelerate the development of agricultural insurance. Take the lead in realizing the protection of key planting and aquaculture varieties in the demonstration area; Develop characteristic agricultural product insurance according to local conditions; Encourage the development of agricultural insurance business; Piloting policy forest insurance.

the fifth is to build a risk management mechanism. Encourage insurance companies to give full play to their own advantages, establish a data base, and provide enterprises with professional services such as risk management consultation, decision-making and technical support; Support the cooperation between insurance companies and reinsurance institutions to effectively disperse the high risks in the process of undertaking the transfer of important industries; Explore the establishment of a multi-level catastrophe risk transfer and sharing mechanism with financial support.

second, give full play to the function of financing and provide multi-level financial services for the construction of Wanjiang demonstration zone. The first is to guide insurance funds to invest in demonstration areas. Strengthen communication with insurance asset management institutions and establish an information exchange mechanism between insurance funds and key projects; Promote insurance funds to invest in infrastructure projects such as transportation, communications and energy, as well as important industrial projects. The second is to play the role of insurance in promoting financing. Encourage the innovation of "insurance+credit" financing mode; Actively develop insurance business in the field of project financing; Steadily develop consumer credit guarantee insurance such as housing and automobiles; Expand the coverage of export credit insurance; Encourage the development of domestic credit insurance business and explore the pilot of performance guarantee insurance for small and medium-sized enterprises. The third is to strengthen cooperation with local governments.

Third, give full play to the function of social management and promote the construction of a harmonious society in the demonstration area. One is to participate in the construction of a safe society. Incorporate insurance into the disaster prevention and rescue system; In-depth implementation of the compulsory insurance system, the construction of motor vehicle information sharing platform, improve the rapid handling mechanism of road traffic accidents; Vigorously develop liability insurance business in safety production and other fields.

the second is to improve the multi-level old-age security system. Encourage insurance companies to provide old-age security services for individuals, families, enterprises and institutions; Support insurance companies to participate in the enterprise annuity business in the demonstration area; Participate in the old-age insurance for landless farmers and explore the pilot project of new rural insurance for insurance institutions; Improve the rural family planning old-age insurance system; Explore the pilot project of delaying tax payment for endowment insurance.

the third is to improve the level of social health security. Encourage the development of management business and commercial supplementary insurance for urban workers' medical care, urban residents' medical care, new rural cooperative medical care and accidental medical care for special people; Support insurance companies to carry out supplementary industrial injury insurance; Explore effective ways for commercial insurance to participate in the reform of medical and health system and support insurance companies to participate in medical and health management; Vigorously develop rural micro-insurance

the fourth is to participate in the management of social undertakings. Support commercial insurance services for education, health, culture, sports and other social undertakings; Encourage insurance companies to provide claims, actuarial and agency management services to government functional departments; Explore the pilot of insurance companies investing in medical institutions and pension services in demonstration areas.

fourth, improve the insurance market system and promote insurance innovation. The first is to strengthen the construction of the insurance market system. According to the needs of demonstration area construction, rationally allocate insurance resources, and steadily set up insurance branches and insurance intermediaries that specialize in service development parks and industries to undertake the construction of concentrated areas; Guide insurance companies to set up back-office service institutions such as insurance R&D product centers in demonstration areas; Strive for the insurance company's legal person institution to settle in the demonstration area or set up a regional management headquarters; Explore the pilot of mutual insurance in villages and towns; Strengthen the construction of insurance talents in the demonstration area.

the second is to promote the innovation of insurance products and services. Actively develop new products and businesses that the masses need, operate profitably and have risks under control; Using modern information technology, develop new insurance services and marketing methods such as online insurance to provide multi-channel insurance services for insurance consumers; Strengthen cooperation among market participants in the demonstration area, and explore the integrated service of insurance inquiry, underwriting and claim settlement in the area.

the third is to strengthen the supervision of the insurance market. Strengthen on-site supervision, standardize market order, prevent and resolve risks, and protect the interests of the insured according to law; Implement a normalized insurance supervision and stationing system in the demonstration area, and strive to give priority to the extension of insurance supervision institutions.

Fifth, establish and improve the work promotion mechanism to provide a strong guarantee for the insurance function. First, all insurance companies should make clear the specific objectives and tasks of the system and the service demonstration area construction of their own units as soon as possible, increase the input of human, material and financial resources, strengthen market development and insurance innovation, and improve the comprehensiveness, pertinence and effectiveness of insurance services. Second, provincial insurance institutions should strengthen communication with the head office, and strive for greater policy inclination in the establishment of institutions, staffing, product development, and capital utilization; Third, local trade associations should do a good job in coordinating services, promote the implementation of insurance clauses and rates for approval and filing, formulate and implement insurance service standards, strengthen industry self-discipline in key business areas, standardize insurance bidding behavior, and rationally develop and utilize insurance resources. (China Insurance Network)

1. Overview of the development of Anhui insurance industry during the Tenth Five-Year Plan period

(1) Major achievements of Anhui insurance industry during the Tenth Five-Year Plan period

1. The insurance market system is gradually improving, and the premium income is growing rapidly

By the end of 25, there were 1,765 insurance institutions in the province, an increase of 1,51 over the end of 2. Among them, there are 16 provincial branches, 11 more than the end of 2; There are 345 city and county branches, 86 more than the end of 2; There are 144 marketing service departments, basically covering all towns and villages in the province. Professional insurance intermediaries have grown from scratch. By the end of 25, there were 56 professional intermediaries and 2,451 part-time insurance agencies. In 25, the premium income was 13.32 billion yuan, 3.5 times that of 2. Among them, in 25, property insurance companies realized premium income of 3.167 billion yuan; Personal insurance companies realized premium income of 1.157 billion yuan. In 25, the total premium scale ranked 13th in China; The growth rate of premium income ranks 23rd in China.

2. The service fields are constantly expanding, and the social benefits are increasingly prominent.

Starting from the overall situation of economic and social development, Anhui insurance industry has continuously expanded the new fields of insurance services for local economic construction, and made major breakthroughs in developing county insurance business, carrying out agricultural insurance and liability insurance pilot work. First, the county development strategy has achieved remarkable results. Since the implementation of the county development strategy in 22, by the end of 25, the premium income of insurance county business in the province reached 9.65 billion yuan. Second, the agricultural insurance pilot made a breakthrough. The provincial government has written to the China Insurance Regulatory Commission to apply for the establishment of Guoyuan Agricultural Insurance Co., Ltd.; The pilot projects of tobacco insurance in Suzhou, tea insurance in Yuexi and forest fire insurance in Chizhou have been carried out. Third, the pilot work of liability insurance has made progress. Actively carry out the pilot work of employer liability insurance in small coal mines, and strive to develop lawyer liability insurance and fire liability insurance. The fourth is to promote the establishment of the "861" project insurance service system. The implementation plan of Anhui insurance industry's response to the "861" action plan was formulated, the overall plan for the insurance industry's participation in the "861" action plan was made, the "861 Project Insurance Office" was established, the contact and communication with the provincial development and reform commission and other relevant departments were strengthened, and the symposium on the "861" project of Anhui insurance service was held to build an information platform between the insurance industry and relevant departments, creating conditions for the insurance industry to fully participate in the "861" action plan.

3. Supervision and industry self-discipline have been strengthened, and the insurance market has been gradually standardized.

Anhui Insurance Regulatory Bureau regards strengthening insurance supervision and preventing and resolving risks as an important job responsibility, and organically combines daily supervision, cooperative supervision and long-term supervision to prevent and resolve risks from the source. First, pay attention to daily supervision. Adhere to the principle of treating both the symptoms and the root causes, and carry out in-depth rectification and standardization of the insurance market order in accordance with the principle of combining regulation with daily supervision, focusing on investigating and dealing with illegal business practices such as illegal payment of handling fees and misleading customers. At the same time, strengthen on-site inspection. From 21 to 25, * * * conducted on-site inspections on more than 13 insurance branches and insurance intermediaries, punished 81 institutions, warned 32 institutions, conducted informed criticism on 29 institutions, imposed regulatory penalties on 13 senior executives, issued 34 regulatory opinions and conducted 153 regulatory talks, which further improved the order of the insurance market. The second is to strengthen coordination and supervision. Established a financial supervision cooperation mechanism, signed a Memorandum of Financial Supervision Cooperation with the People's Bank of China, the Banking Regulatory Bureau and the Securities Regulatory Bureau, and made an agreement on sharing regulatory information, holding regular joint meetings on financial supervision, exchanging opinions on supervision, and discussing regulatory issues in cross-business areas. The third is to implement long-term supervision. By establishing the credit system of Anhui insurance industry and strengthening the self-discipline and internal control management of the industry, the insurance market is gradually standardized.

4. The insurance function plays a better role, and the social status of the insurance industry is further improved

During the Tenth Five-Year Plan period, the insurance industry in our province closely focused on local economic and social development and issues related to the vital interests of the people, constantly meeting the economic and social needs for insurance, and gave full play to the functions and functions of insurance in many aspects, such as economic compensation, promoting foreign trade exports, and solving the reemployment of laid-off workers. From 21 to 25, the insurance industry in the whole province paid compensation and paid 1.56 billion yuan, insured the export amount of 1 billion dollars for the export enterprises in the whole province, and paid compensation of 5.8 million dollars, providing more than 5, jobs in the whole industry.

(II) Shortcomings and problems in the development of insurance industry in Anhui

Since the Tenth Five-Year Plan, the insurance industry in our province has made great achievements, but it must also be noted that the development of insurance industry is still in the primary stage. Compared with the national average and neighboring provinces, there is still a big gap. In 25, the growth rate of premium income in our province was 5.34 percentage points lower than that in the whole country, ranking fifth among the six central provinces. Compared with banks and securities industry, the development of insurance industry in the province's financial system is relatively backward. Because the share of the insurance industry in the local economy is too small, the social awareness of insurance is still low, and the influence of the insurance industry in economic and social development needs to be improved.

At the same time, there are still some problems that can't be ignored in the development of insurance industry in our province, which are mainly manifested as follows: First, the effective supply of the market is insufficient, and the functions and functions of insurance have not been fully exerted; Second, the market concentration is high and the market competition is insufficient; Third, the management foundation is weak and the innovation ability is not strong; Fourth, the quality of insurance services is not high, and the construction of integrity needs to be strengthened.

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