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Some Opinions of the State Council on the Reform and Development of the Insurance Industry
[Effective]
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国务院关于保险业改革发展的若干意见
[现行有效]
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【法宝引证码】
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Some Opinions of the State Council on the Reform and Development of the Insurance Industry
(No. 23 [2006])
The people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government, all ministries, commissions and directly subordinate institutions of the State Council:
Since the reform and opening up, especially the 16th Party Congress, remarkable achievements have been made in the reform and development of the insurance industry in China. The insurance business has grown rapidly, the service area has been continuously broadened, the market system has been increasingly improved, the laws and regulations have been gradually improved, the supervisory capabilities have been continuously enhanced, the risks have been effectively prevented, and the overall strength has been obviously reinforced. It has played an important role in promoting the reform, guaranteeing the economy, stabilizing the society, and benefiting the people, etc. However, since the insurance industry has a late start, weak base and narrow coverage, and its functions are not fully exerted, it is unable to adapt to the requirements for building a well-off society in an all-round way and building a harmonious socialist society, to adapt to building sound socialist market economy, and to adapt to the new situation of economic globalization, financial integration and opening up to the outside world in all-round way. Facing the future, the development of insurance industry stands on a new historical starting point with huge development potentiality and space. In order to fully implement the scientific development view, clarify the guiding ideology, objectives, tasks, policies and measures of the reform and development of the insurance industry for a period in future, accelerate the reform and development of the insurance industry, and promote the construction of a harmonious socialist society, we hereby give our following opinions:
| | 国务院关于保险业改革发展的若干意见
（国发〔2006〕23号）
各省、自治区、直辖市人民政府，国务院各部委、各直属机构：
改革开放特别是党的十六大以来，我国保险业改革发展取得了举世瞩目的成就。保险业务快速增长，服务领域不断拓宽，市场体系日益完善，法律法规逐步健全，监管水平不断提高，风险得到有效防范，整体实力明显增强，在促进改革、保障经济、稳定社会、造福人民等方面发挥了重要作用。但是，由于保险业起步晚、基础薄弱、覆盖面不宽，功能和作用发挥不充分，与全面建设小康社会和构建社会主义和谐社会的要求不相适应，与建立完善的社会主义市场经济体制不相适应，与经济全球化、金融一体化和全面对外开放的新形势不相适应。面向未来，保险业发展站在一个新的历史起点上，发展的潜力和空间巨大。为全面贯彻落实科学发展观，明确今后一个时期保险业改革发展的指导思想、目标任务和政策措施，加快保险业改革发展，促进社会主义和谐社会建设，现提出如下意见：
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I. Fully recognizing the important significance of accelerating the reform and development of the insurance industry.
Insurance plays the functions of economic compensation, financing and social management. It is a basic means of risk management under market economy conditions, and an important part of the financial system and the social security system, and plays an important role in building a harmonious socialist society.
Accelerating the reform and development of the insurance industry can help respond to the risks of disasters and accidents, and guarantee the safety of the people's lives and properties as well as the stable operation of the economy. Every year, the people in China suffer from huge life and property losses due to natural disasters and various traffic or work accidents. Due to restrictions in respect of system, mechanism, etc., only a low proportion of enterprises and families buy insurances, and only a small part of losses from disasters and accidents can be remedied through insurance. Such a situation is not beneficial to timely resuming the work and living order, and meanwhile increases fiscal burdens and matters of the government. Accelerate the reform and development of the insurance industry will play an irreplaceable important role in building a market-based mechanism for remedying losses from disasters and accidents, improving the disaster prevention and relief system, enhancing the capabilities of the whole society to prevent risks, and promoting the rapid and healthy development of the economy.
To accelerate the reform and development of the insurance industry helps improve the social security system and satisfy the masses' multi-level demands for social security. China is presently within a key period for improving socialist market economy, when the ageing progress of the population speeds up, the people's living standards are improved, and the demand for social security becomes increasingly urgent. To accelerate the reform and development of the insurance industry, and to encourage and induce the masses to buy insurances of commercial endowment or health, etc. will be of important practical significance to improving the social security system, raising the level of social security of the whole society, enlarging consumer demand, and realizing social stability and harmony.
To accelerate the reform and development of the insurance industry can help optimize the allocation of financial resources and improve socialist market economy. The financial system of China develops unevenly, with excessive indirect financing, which has affected the efficiency of allocating financial resources, and obstructed the diffusion and elimination of financial risks. The beginning 20 years of the present century are an important strategic opportunity period for China to speed up its development, so the core function of finance in modern economy is even more prominent. To accelerate the reform and development of the insurance industry, to exert the important functions of insurance in allocating financial resources, and to promote the coordinative development of currency market, capital market and insurance market will be of important significance to improve the financial system and the socialist market economy.
To accelerate the reform and development of the insurance industry is beneficial to social management and public service innovations, and can help improve the efficiency of government administration, as well. With the deepening of the reform of administration system, the governments must integrate various social resources, make full use of the various market mechanisms and means, and continuously improve social management and public services. To accelerate the reform and development of the insurance industry, to actively adopt the insurance mechanism in social management, to coordinate various interest relations, to effectively eliminate social contradictions and disputes, and to propel public service innovations will be an important promotion to improving the socialized economic compensation mechanism, further transforming government functions, and improving the efficiency of government administration.
| | 一、充分认识加快保险业改革发展的重要意义
保险具有经济补偿、资金融通和社会管理功能，是市场经济条件下风险管理的基本手段，是金融体系和社会保障体系的重要组成部分，在社会主义和谐社会建设中具有重要作用。
加快保险业改革发展有利于应对灾害事故风险，保障人民生命财产安全和经济稳定运行。我国每年因自然灾害和交通、生产等各类事故造成的人民生命财产损失巨大。由于受体制机制等因素制约，企业和家庭参加保险的比例过低，仅有少部分灾害事故损失能够通过保险获得补偿，既不利于及时恢复生产生活秩序，又增加了政府财政和事务负担。加快保险业改革发展，建立市场化的灾害、事故补偿机制，对完善灾害防范和救助体系，增强全社会抵御风险的能力，促进经济又快又好发展，具有不可替代的重要作用。
加快保险业改革发展有利于完善社会保障体系，满足人民群众多层次的保障需求。我国正处在完善社会主义市场经济体制的关键时期，人口老龄化进程加快，人民生活水平提高，保障需求不断增强。加快保险业改革发展，鼓励和引导人民群众参加商业养老、健康等保险，对完善社会保障体系，提高全社会保障水平，扩大居民消费需求，实现社会稳定与和谐，具有重要的现实意义。
加快保险业改革发展有利于优化金融资源配置，完善社会主义市场经济体制。我国金融体系发展不平衡，间接融资比例过高，影响了金融资源配置效率，不利于金融风险的分散和化解。本世纪头20年是我国加快发展的重要战略机遇期，金融在现代经济中的核心作用更为突出。加快保险业改革发展，发挥保险在金融资源配置中的重要作用，促进货币市场、资本市场和保险市场协调发展，对健全金融体系，完善社会主义市场经济体制，具有重要意义。
加快保险业改革发展有利于社会管理和公共服务创新，提高政府行政效能。随着行政管理体制改革的深入，政府必须整合各种社会资源，充分运用市场机制和手段，不断改进社会管理和公共服务。加快保险业改革发展，积极引入保险机制参与社会管理，协调各种利益关系，有效化解社会矛盾和纠纷，推进公共服务创新，对完善社会化经济补偿机制，进一步转变政府职能，提高政府行政效能，具有重要的促进作用。
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II. Guiding ideology, overall objective and major tasks for accelerating the reform and development of the insurance industry
With the uplift of the economic and social development level of China and the continuous improvement of its socialist market economy, the masses' recognition of insurance has been further deepened, their demand for insurance has become increasingly stronger, thus insurance has come to play an ever more prominent role, and the base and conditions for its development has become increasingly mature. To accelerate the reform and development of the insurance industry has become a necessary requirement for promoting the construction of a harmonious socialist society.
The guiding ideology to accelerate the reform and development of the insurance industry shall be: by upholding Deng Xiaoping Theory and the important thoughts of “Three Represents” as out guide, adhere to the human-oriented and all-roundly coordinated sustainable scientific development view, and being based on the overall situation of reform, development and stability, focus on resolving the contradictions between the insurance industry and the economic and social development or the living demand of the people, deepening the reform, speeding up the development, trying to be stronger, developing a Chinese-characteristic insurance industry, giving full play to the functions of insurance as an economic “roll booster” and social “stabilizer”, so as to serve the construction of a well-off society in an all-round way and a harmonious socialist society.
The overall objective shall be: to build up a modern insurance industry with a sound market system, wide service areas, credible and regulated operation, sufficient repayment capacity and strong comprehensive competitive strength, which unifies the development speed, quality and effects. Surrounding this objective, the major tasks shall be: to broaden insurance service areas, to actively develop the property insurance, life insurance, reinsurance and insurance intermediary market, and to improve the insurance market system; to continue deepening the reform of the system and mechanisms, improve the corporate governance structure, uplift the quality and level of opening to the outside world, and to enhance the international competitive strength and the capacity of maintaining sustainable development; to propel independent innovations, adjust and optimize the structure, to transform the way of growth, and to continuously uplift the service level; to strengthen the management of use of insurance funds, uplift the level of using funds, and to provide fund supports for national economic construction; to strengthen and improve supervision, prevent and eliminate risks, and to earnestly protect the lawful rights and interests of the insured; to improve regulations and policies, propagandize and disseminate insurance knowledge, speed up the building of an insurance credit system, propel the honesty and credibility construction, and to create a good development environment.
| | 二、加快保险业改革发展的指导思想、总体目标和主要任务
随着我国经济社会发展水平的提高和社会主义市场经济体制的不断完善，人民群众对保险的认识进一步加深，保险需求日益增强，保险的作用更加突出，发展的基础和条件日趋成熟，加快保险业改革发展成为促进社会主义和谐社会建设的必然要求。
加快保险业改革发展的指导思想是：以邓小平理论和“三个代表”重要思想为指导，坚持以人为本、全面协调可持续的科学发展观，立足改革发展稳定大局，着力解决保险业与经济社会发展和人民生活需求不相适应的矛盾，深化改革，加快发展，做大做强，发展中国特色的保险业，充分发挥保险的经济“助推器”和社会“稳定器”作用，为全面建设小康社会和构建社会主义和谐社会服务。
总体目标是：建设一个市场体系完善、服务领域广泛、经营诚信规范、偿付能力充足、综合竞争力较强，发展速度、质量和效益相统一的现代保险业。围绕这一目标，主要任务是：拓宽保险服务领域，积极发展财产保险、人身保险、再保险和保险中介市场，健全保险市场体系；继续深化体制机制改革，完善公司治理结构，提升对外开放的质量和水平，增强国际竞争力和可持续发展能力；推进自主创新，调整优化结构，转变增长方式，不断提高服务水平；加强保险资金运用管理，提高资金运用水平，为国民经济建设提供资金支持；加强和改善监管，防范化解风险，切实保护被保险人合法权益；完善法规政策，宣传普及保险知识，加快建立保险信用体系，推动诚信建设，营造良好发展环境。
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III. Propelling experiments actively and steadily, and developing multi-form and multi-avenue agricultural insurance.
．．．．．． | | 三、积极稳妥推进试点，发展多形式、多渠道的农业保险
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