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Guiding Opinions of the China Insurance Regulatory Commission on Supporting the Economic Structure Adjustment, Transformation and Upgrade of the Insurance Industry
[Effective]
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中国保监会关于保险业支持经济结构调整和转型升级的指导意见
[现行有效]
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【法宝引证码】
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| Guiding Opinions of the China Insurance Regulatory Commission on Supporting the Economic Structure Adjustment, Transformation and Upgrade of the Insurance Industry | | 中国保监会关于保险业支持经济结构调整和转型升级的指导意见 |
| (No. 69 [2013] of the China Insurance Regulatory Commission) | | （保监发〔2013〕69号） |
| All departments of the China Insurance Regulatory Commission (“CIRC”); all local offices of the CIRC; the Insurance Association of China; the Insurance Institute of China; and all insurance companies: | | 机关各部门，各保监局，中国保险行业协会，中国保险学会，各保险公司： |
| In order to thoroughly implement the spirit of the Guiding Opinions of the General Office of the State Council on Providing Financial Support for the Adjustment, Transformation and Upgrade of the Economic Structure (No. 67 [2013] of the General Office of the State Council), further maximize the support and service role of insurance in the adjustment, transformation and upgrade of the economic structure, continuously strengthen insurance support for the key areas and weak links, boost the growth of real economy, serve small and tiny enterprises and technological innovation, and further maximize the role of the insurance industry in modern financial system, social security system, agricultural security system, disaster and loss prevention system and social management system, in light of the actualities of the insurance industry, the following opinions are hereby presented: | | 为深入贯彻落实《国务院办公厅关于金融支持经济结构调整和转型升级的指导意见》（国办发〔2013〕67号）精神，进一步发挥保险对经济结构调整和转型升级的支撑和服务作用，持续加强对重点领域和薄弱环节的保险支持，助推实体经济发展，服务小微企业和科技创新，推动保险业在现代金融体系、社会保障体系、农业保障体系、防灾防损体系和社会管理体系中发挥更大作用，根据保险业实际，现提出以下意见： |
| I. Updating products and services so as to support the transformation and adjustment of key areas and industries | | 一、创新产品服务，支持重点领域与行业转型和调整 |
| Effectiveness and pertinence of insurance products and services shall be constantly improved. Insurance support for advanced manufacturing industry, strategic emerging industries, modern service industry and other key areas with good market prospects shall be intensified. According to rules regarding the development and characteristics of scientific and technological enterprises, cultural and creative enterprises, service enterprises, small and tiny enterprises, etc., customized insurance products and services as well as package insurance solutions shall be provided. Focus shall be placed on the advantage of insurance as long-term capital shall be maximized and national strategies for urbanization and service of livelihood so as to provide key support for the development of infrastructure, energy, resources, medical care, health, pension services, environmental protection, modern agriculture, and other areas and industries. Growth of specialized and innovative insurance companies shall be supported, and professional and exclusive insurance intermediary institutions shall be actively cultivated in order to provide more professional insurance services for economic transformation and upgrade. | | 不断提高保险产品服务的有效性和针对性，加大对有市场发展前景的先进制造业、战略性新兴产业、现代服务业等重点领域的保险支持力度。根据科技型、文化创意型、服务型和小微型等企业的发展规律和特点，提供个性化的保险产品服务和一揽子保险解决方案。充分发挥保险长期资金优势，紧紧围绕城镇化和服务民生的国家战略，重点支持基础设施、能源资源、医疗健康、养老服务、绿色环保、现代农业等领域和产业的发展。支持专业型、创新型保险公司发展，积极培育专业化、专属性保险中介机构，为经济转型升级提供更为专业的保险服务。 |
| II. Integrating insurance resources so as to establish an insurance service system for small and tiny enterprises | | 二、整合保险资源，构建小微企业保险服务体系 |
| Risk demands specific to small and tiny enterprises shall be carefully analyzed and studied so as to actively provide customized and appropriate insurance products for small and tiny enterprises. Explorations and innovations shall be made with regard to business development, underwriting, claims, and risk management, etc. so as to provide small and tiny enterprises with better, more efficient and faster insurance services. Credit insurance services for small and tiny enterprises shall be actively provided and innovation of financing services under export credit insurance shall be explored in order to achieve promotion of credit through insurance and promotion of financing through credit. Small and tiny enterprise performance guarantee insurance, loan guarantee insurance and other products shall be actively and properly developed so as to provide credit enhancement services for small and tiny enterprises and help small and tiny enterprises obtain external financing. Investment in eligible special bonds, financial products and equity of affiliated enterprises of small and tiny enterprises by insurance institutions shall be supported, insurance policy loan services shall be actively provided, and establishment of small and tiny enterprise investment funds and project and asset support plans by insurance institutions, if conditions permit, are encouraged so as to provide financial support for small and tiny enterprises through various channels and in various forms. Active efforts shall be made to incorporate insurance services into the small and tiny enterprise guidance policies and risk compensation mechanisms for small and tiny enterprises shall be constantly enhanced. | | 认真分析研究小微企业特色化的风险需求，积极为小微企业量身定制适合的保险产品。探索创新展业、承保、理赔和风险管理等服务，为小微企业提供更加优质、高效、便捷的保险服务。积极发展小微企业信用保险业务，探索开展出口信用保险项下的融资业务创新，实现以保险促信用、以信用促融资。积极稳妥发展小微企业履约保证保险、贷款保证保险等产品，为小微企业提供增信服务，帮助小微企业获得外部融资。支持保险机构投资符合条件的小微企业专项债券、金融产品及相关企业股权，积极开展保单贷款服务，鼓励有条件的保险机构发起设立小微企业投资基金、项目资产支持计划等，为小微企业发展提供多渠道、多形式的资金支持。积极争取将保险服务纳入小微企业产业引导政策，不断完善小微企业风险补偿机制。 |
| III. Maximizing the functions and role of insurance to serve modern urbanization and consumption upgrade | | 三、发挥保险功能作用，服务新型城镇化建设和消费升级 |
| Insurance companies are encouraged to actively provide pension insurance for farmers who have lost their land, accidental injury insurance for migrant workers, maternity insurance and other insurance services based on the peculiarities of migrant workers seeking jobs in cities and farmers that have lost their land during the process of modern urbanization in order to provide them with help in the event of accidents, as well as pension, medical care, maternity and other multi-layered, long-term and balanced assistance of various kinds, and enhance the quality of modern urbanization. Support shall be provided to insurance companies in their effort to develop personal insurance products of the guarantee category, conducting pilot work on critical illness insurance, promoting pilot programs regarding individual tax-deferred pension insurance, stabilizing individual income expectation, and strengthening consumers' willingness to spend. Support shall be provided to insurance companies in providing consumption credit guarantee insurance services related to purchase of first homes for their own use, bulk durable consumer products, new consumer products, educational and tourist consumption, etc. so as to promote the growth and upgrade of consumption. | | 鼓励保险公司根据新型城镇化过程中进城务工人员、失地农民的特点，积极发展失地农民养老保险、务工人员意外伤害保险、生育保险等保险业务，为其提供意外、养老、医疗、生育等多层次、多类别和长期均衡的保障，提高新型城镇化的质量。支持保险公司大力发展保障型人身保险产品，做好大病保险试点工作，推进个人税延型养老保险试点，稳定居民收入预期，增强居民消费意愿。支持保险公司发展与居民首套自住购房、大宗耐用消费品、新型消费品以及教育、旅游等消费领域相关的消费信贷保证保险业务，促进消费增长和消费升级。 |
| ．．．．．． | | ．．．．．． |
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