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Several Opinions of the State Council on Accelerating the Development of the Modern Insurance Service Industry [Effective]
国务院关于加快发展现代保险服务业的若干意见 [现行有效]
【法宝引证码】

 

Several Opinions of the State Council on Accelerating the Development of the Modern Insurance Service Industry

 

国务院关于加快发展现代保险服务业的若干意见

(No. 29 [2014] of the State Council) (国发〔2014〕29号)

The people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government; all ministries and commissions of the State Council; and all institutions directly under the State Council: 各省、自治区、直辖市人民政府,国务院各部委、各直属机构:
Insurance is an important sector of the modern economy and a basic means for risk management, as well as an important symbol of the level of social civilization, the economic development level and the social governance capacity. Since the reform and opening up, the insurance industry in China has developed rapidly, and its service fields are more widened, which has made important contribution to promoting economic and social development and guaranteeing the people's production and living. However, as a whole, China's insurance industry is still developing at the primary stage and cannot satisfy the requirements for deepening reform in an all-round manner as well as economic and social development, and it still lags far behind the requirements of the modern insurance service industry. Accelerating the development of the modern insurance service industry is of great significance in improving the modern financial system, driving and increasing social employment, promoting the quality and efficiency enhancement and upgrading of economy, innovating on the social governance mode, guaranteeing the stable operation of the society, enhancing the society's sense of security and improving the people's quality of life. To thoroughly implement the spirit of the 18th National Congress of the Communist Party of China (“CPC”) and the Second and Third Plenary Sessions of the 18th CPC Central Committee, diligently implement the decisions and arrangements of the CPC Central Committee and the State Council, and accelerate the development of the modern insurance service industry, the following opinions are hereby offered. 保险是现代经济的重要产业和风险管理的基本手段,是社会文明水平、经济发达程度、社会治理能力的重要标志。改革开放以来,我国保险业快速发展,服务领域不断拓宽,为促进经济社会发展和保障人民群众生产生活作出了重要贡献。但总体上看,我国保险业仍处于发展的初级阶段,不能适应全面深化改革和经济社会发展的需要,与现代保险服务业的要求还有较大差距。加快发展现代保险服务业,对完善现代金融体系、带动扩大社会就业、促进经济提质增效升级、创新社会治理方式、保障社会稳定运行、提升社会安全感、提高人民群众生活质量具有重要意义。为深入贯彻党的十八大和十八届二中、三中全会精神,认真落实党中央和国务院决策部署,加快发展现代保险服务业,现提出以下意见。
I. General requirements   一、总体要求
(1) Guiding thought. You shall, under the guidance of the Deng Xiaoping Theory, the important thought of “Three Represents” and the Scientific Outlook on Development, base on serving the national governance system and the modernization of governance capability, include the development of the modern insurance service industry in the overall economic and social work layout for overall consideration, proceed from the satisfaction of increasingly diversified insurance service demand of the society, follow the orientation of the improvement of the insurance economic compensation mechanism, the reinforcement of core functions of risk management, and the enhancement of efficiency in the allocation of insurance funds, reform and make innovations, expand the opening-up, improve the market, optimize the environment, improve policies, build a modern insurance service industry which is competitive in the market, innovative and vigorous, and make the modern insurance industry a backbone for improving the financial system, a vigorous support for improving the people's livelihood, an effective mechanism for innovating on social management, an efficient engine for promoting the quality and efficiency enhancement and upgrading of the economy, as well as a crucial foothold for transforming government functions. (一)指导思想。以邓小平理论、“三个代表”重要思想、科学发展观为指导,立足于服务国家治理体系和治理能力现代化,把发展现代保险服务业放在经济社会工作整体布局中统筹考虑,以满足社会日益增长的多元化保险服务需求为出发点,以完善保险经济补偿机制、强化风险管理核心功能和提高保险资金配置效率为方向,改革创新、扩大开放、健全市场、优化环境、完善政策,建设有市场竞争力、富有创造力和充满活力的现代保险服务业,使现代保险服务业成为完善金融体系的支柱力量、改善民生保障的有力支撑、创新社会管理的有效机制、促进经济提质增效升级的高效引擎和转变政府职能的重要抓手。
(2) Basic principles. First, adhering to market orientation and policy guidance. A market environment featuring fair competition shall be created for the insurance business under commercial operation, so as to enable the market play a decisive role in the allocation of resources. A low cost policy environment shall be created and necessary support shall be provided for the insurance business of public welfare nature and relating to the national economy and the people's livelihood. The government's guiding role shall be played in a more effective manner for the insurance business which plays a positive role in enhancing the quality and efficiency of and upgrading the service economy but has a weak basis at present. Second, adhering to reform, innovation, and expansion of opening-up. The system and mechanism reform of the insurance industry shall be furthered in a comprehensive manner, the opening-up to the internal and external markets shall be enhanced, and advanced business operation and management concepts and technologies shall be introduced, so as to release and motivate the vitality of sustainable industrial development and innovation. The capability of innovating on insurance products, services, management and technologies shall be enhanced to promote diversified competition among and the provision of personalized services by market players. Third, adhering to the improvement of supervision and risk prevention. The insurance legal system shall be improved, the modernization of insurance supervision shall be accelerated, the lawful rights and interests of insurance consumers shall be protected, and the market order shall be regulated. The relationship between the acceleration of development and risk prevention shall be handled in an effective manner, so as to guard the bottom line of no occurrence of systemic and regional financial risks. (二)基本原则。一是坚持市场主导、政策引导。对商业化运作的保险业务,营造公平竞争的市场环境,使市场在资源配置中起决定性作用;对具有社会公益性、关系国计民生的保险业务,创造低成本的政策环境,给予必要的扶持;对服务经济提质增效升级具有积极作用但目前基础薄弱的保险业务,更好发挥政府的引导作用。二是坚持改革创新、扩大开放。全面深化保险业体制机制改革,提升对内对外开放水平,引进先进经营管理理念和技术,释放和激发行业持续发展和创新活力。增强保险产品、服务、管理和技术创新能力,促进市场主体差异化竞争、个性化服务。三是坚持完善监管、防范风险。完善保险法制体系,加快推进保险监管现代化,维护保险消费者合法权益,规范市场秩序。处理好加快发展和防范风险的关系,守住不发生系统性区域性金融风险的底线。
(3) Development objective. By 2020, a modern insurance service industry featuring comprehensive security, complete functions, safety and steadiness, good faith and standardization, relatively strong service capability, innovation capability and international competitiveness, and adapting to the requirements for economic and social development in China shall be basically established, and efforts shall have been made to transform China from a large insurance country to a powerful one. Insurance shall have become a basic means for the risk management and wealth management of governments, enterprises and residents, an important channel for enhancing the security level and quality, and an effective instrument for the government to improve public services and enhance social management. The insurance depth (insurance premium income/GDP) shall have reached 5%, and the insurance density (insurance premium income/total population) shall have reached 3,500 yuan/person. The role of insurance as a social “stabilizer” and economic “stimulus” shall have been played in an effective manner. (三)发展目标。到2020年,基本建成保障全面、功能完善、安全稳健、诚信规范,具有较强服务能力、创新能力和国际竞争力,与我国经济社会发展需求相适应的现代保险服务业,努力由保险大国向保险强国转变。保险成为政府、企业、居民风险管理和财富管理的基本手段,成为提高保障水平和保障质量的重要渠道,成为政府改进公共服务、加强社会管理的有效工具。保险深度(保费收入/国内生产总值)达到5%,保险密度(保费收入/总人口)达到3500元/人。保险的社会“稳定器”和经济“助推器”作用得到有效发挥。
II. Building the insurance network to guarantee the people's livelihood and improving the multi-layered social security system   二、构筑保险民生保障网,完善多层次社会保障体系
(4) Building commercial insurance into an important pillar of the social security system. Commercial insurance shall gradually become the major insurance undertaking individual and household commercial security plans, the important provider of pension health security plans initiated by enterprises, as well as the active participant in the market-oriented operation of social insurance. Qualified enterprises are supported to establish commercial pension heath security plans. Insurance institutions are supported to vigorously expand enterprise annuity and other businesses. The supplementary role of commercial insurance in basic pension and medical insurance shall be brought into full play. (四)把商业保险建成社会保障体系的重要支柱。商业保险要逐步成为个人和家庭商业保障计划的主要承担者、企业发起的养老健康保障计划的重要提供者、社会保险市场化运作的积极参与者。支持有条件的企业建立商业养老健康保障计划。支持保险机构大力拓展企业年金等业务。充分发挥商业保险对基本养老、医疗保险的补充作用。
(5) Innovating on pension insurance products and services. Personalized and differential pension guarantee shall be provided for different groups. The individual pension insurance by personal savings shall be promoted. The pilot program on the housing reverse mortgage pension insurance shall be conducted. The single child family security plan shall be developed. The new model to provide security for the elderly who have lost their only child shall be explored. The comprehensive liability insurance of the elderly care institutions shall be developed. Qualified insurance institutions are supported to invest in the elderly service industry, so as to promote the integrated development of the insurance service industry and the elderly service industry. (五)创新养老保险产品服务。为不同群体提供个性化、差异化的养老保障。推动个人储蓄性养老保险发展。开展住房反向抵押养老保险试点。发展独生子女家庭保障计划。探索对失独老人保障的新模式。发展养老机构综合责任保险。支持符合条件的保险机构投资养老服务产业,促进保险服务业与养老服务业融合发展。
(6) Developing diversified health insurance services. Insurance companies are encouraged to vigorously develop all kinds of medical care and sickness insurance, disability income insurance and other commercial health insurance products, and be linked with the basic medical insurance. Long-term commercial care insurance shall be developed. The disease prevention, health maintenance, chronic disease management and other health management services integrated with commercial health insurance products shall be provided. Insurance institutions are supported in participating in the integration of the health service industrial chain and exploring the establishment of medical institutions and participation in the restructuring of public hospitals by such means as equity investment and strategic cooperation. (六)发展多样化健康保险服务。鼓励保险公司大力开发各类医疗、疾病保险和失能收入损失保险等商业健康保险产品,并与基本医疗保险相衔接。发展商业性长期护理保险。提供与商业健康保险产品相结合的疾病预防、健康维护、慢性病管理等健康管理服务。支持保险机构参与健康服务业产业链整合,探索运用股权投资、战略合作等方式,设立医疗机构和参与公立医院改制。
III. Playing insurance risk management functions and improving the social governance system   三、发挥保险风险管理功能,完善社会治理体系
(7) Innovating on the methods for the provision of public services by adopting the insurance mechanism. The governments shall, by such means as purchasing services from commercial insurance companies, fully use the market mechanism in public service fields, and actively explore and promote the provision of all kinds of pension and medical insurance services by qualified commercial insurance institutions, so as to enhance the social management efficiency. Insurance institutions shall, as required for comprehensively promoting the critical illness insurance for urban and rural residents, effectively conduct the authorized work, continuously improve the operating mechanism, and enhance the security level. The development of public security insurance, comprehensive community insurance and other emerging businesses are encouraged. Insurance institutions are supported to participate in the integration of security service industrial chain by such means as equity investment and strategic cooperation. (七)运用保险机制创新公共服务提供方式。政府通过向商业保险公司购买服务等方式,在公共服务领域充分运用市场化机制,积极探索推进具有资质的商业保险机构开展各类养老、医疗保险经办服务,提升社会管理效率。按照全面开展城乡居民大病保险的要求,做好受托承办工作,不断完善运作机制,提高保障水平。鼓励发展治安保险、社区综合保险等新兴业务。支持保险机构运用股权投资、战略合作等方式参与保安服务产业链整合。
(8) Playing the functions and role of liability insurance in resolving contradictions and disputes. The liability insurance development model featuring government guidance, market operation and legislative guarantee shall be reinforced, emphasis shall be laid on the development of liability insurance in the fields such as environmental pollution, food safety, medical liability, medical accidents, internship safety, and campus security which are closely linked with public interest, and the pilot program on compulsory liability insurance shall be explored. The development of insurance of travel agencies, insurance on product quality and various kinds of occupational liability insurance, product liability insurance and public liability insurance shall be accelerated, the functions and role of liability insurance in pre-risk prevention, interim risk control, ex post claim settlement services and other aspects shall be brought into full play, so as to resolve civil liability disputes by economic leverage and diversified liability insurance products. (八)发挥责任保险化解矛盾纠纷的功能作用。强化政府引导、市场运作、立法保障的责任保险发展模式,把与公众利益关系密切的环境污染、食品安全、医疗责任、医疗意外、实习安全、校园安全等领域作为责任保险发展重点,探索开展强制责任保险试点。加快发展旅行社、产品质量以及各类职业责任保险、产品责任保险和公众责任保险,充分发挥责任保险在事前风险预防、事中风险控制、事后理赔服务等方面的功能作用,用经济杠杆和多样化的责任保险产品化解民事责任纠纷。
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