近日,中(zhong)國銀保監會發布(bu)《關于2022年銀行業保險業服(fu)務全面推(tui)進鄉村振興重(zhong)點工作的(de)通知》。 《通知(zhi)》對提升保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)在(zai)鄉村振興中的(de)功(gong)能和(he)作用(yong)提出了具體要求,包(bao)括聚焦吸納(na)進(jin)城(cheng)農(nong)民(min)較(jiao)多的(de)行業(ye)(ye)(ye)和(he)區域,加大(da)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障力度(du),針(zhen)對進(jin)城(cheng)農(nong)民(min)金融需求特點,研發專屬保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產品,提升農(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障水(shui)平,落實三大(da)糧食作物完全(quan)成本保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)和(he)種植收入保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)主(zhu)產省產糧大(da)縣全(quan)覆蓋等。同時(shi),要求人身(shen)險(xian)(xian)(xian)(xian)(xian)公司(si)針(zhen)對農(nong)村居民(min)需求,特別是脫(tuo)貧地區群眾需求,擴大(da)意(yi)外傷害險(xian)(xian)(xian)(xian)(xian)、定期(qi)壽險(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、養老保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等人身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)產品供給。 近年來,保(bao)險(xian)行業(ye)在貫(guan)徹落實(shi)黨中央、國(guo)務院關于實(shi)施鄉村振(zhen)興戰(zhan)略(lve)的決策部署中,通(tong)過持續擴面(mian)、增品、提(ti)(ti)標,不(bu)斷提(ti)(ti)升保(bao)險(xian)保(bao)障服務水(shui)平,在脫貧攻(gong)堅、鄉村振(zhen)興和保(bao)障糧食安全等方(fang)面(mian)發揮(hui)了(le)積(ji)極作(zuo)用,取得明顯成效。最新數據(ju)顯示,截至(zhi)2021年12月末,農業(ye)保(bao)險(xian)已經為1.78億戶(hu)次農戶(hu)提(ti)(ti)供了(le)4.72萬(wan)億元的風險(xian)保(bao)障。 能(neng)有這樣的成績,首先得益于政策(ce)面的暖風頻(pin)吹。事實上,多年來從(cong)中央到各級地方政府,從(cong)銀保監(jian)會到各地銀保監(jian)局(ju),對(dui)農(nong)村保險(xian)服務均(jun)開足了支持(chi)馬力(li),通過不斷優化(hua)系(xi)列政策(ce)、強(qiang)化(hua)監(jian)管環境等,促進農(nong)村保險(xian)服務持(chi)續規(gui)范(fan)健康發展。 在(zai)貫徹執行(xing)保險(xian)法(fa)、農(nong)(nong)業保險(xian)條例等法(fa)律規章的基(ji)礎上,今年(nian)2月,銀(yin)保監會(hui)推出《農(nong)(nong)業保險(xian)承保理賠管理辦(ban)法(fa)》,對農(nong)(nong)業保險(xian)承保理賠進行(xing)進一(yi)步規范和管理。文件(jian)出臺僅一(yi)月有(you)余,銀(yin)保監會(hui)又在(zai)《關于2022年(nian)銀(yin)行(xing)業保險(xian)業服務(wu)全面推進鄉村振興(xing)重點(dian)工作的通(tong)知》中明確了保險(xian)業在(zai)鄉村振興(xing)中的服務(wu)目標和任務(wu)。 鄉村振興為保(bao)(bao)險(xian)(xian)(xian)業發展(zhan)提供(gong)了一(yi)個相當大的(de)舞臺。按照《通知》要(yao)(yao)求,下一(yi)步(bu),保(bao)(bao)險(xian)(xian)(xian)業要(yao)(yao)在服務鄉村振興中闖出(chu)一(yi)片新天地(di),比如探索開展(zhan)糖(tang)料蔗(zhe)完(wan)全成本保(bao)(bao)險(xian)(xian)(xian)和種(zhong)植(zhi)收入保(bao)(bao)險(xian)(xian)(xian),大力發展(zhan)地(di)方優(you)勢特(te)色(se)農產品(pin)保(bao)(bao)險(xian)(xian)(xian)等。這(zhe)些(xie)業務領(ling)域對保(bao)(bao)險(xian)(xian)(xian)業來說基本是剛涉(she)足的(de)陌生(sheng)領(ling)域,還面臨諸多不可預知的(de)風(feng)險(xian)(xian)(xian)。 在保險(xian)(xian)服務(wu)上,《通知》則要求(qiu)提升保險(xian)(xian)承保理(li)賠(pei)服務(wu)質效,按照(zhao)“愿保盡保”“應賠(pei)盡賠(pei)”“快賠(pei)早賠(pei)”的原(yuan)則,主動、迅速、合理(li)開(kai)展承保理(li)賠(pei)服務(wu)。毫無(wu)疑問,隨著鄉(xiang)村(cun)振興的推進,保險(xian)(xian)服務(wu)將面臨新(xin)的機(ji)遇和挑戰(zhan)。 今(jin)年中央一號文件提(ti)出要(yao)在“農業(ye)農村(cun)現(xian)代化邁出新(xin)步伐(fa)”,保險保障(zhang)無疑在其中需發(fa)揮重(zhong)要(yao)作用,那就是建立起與鄉村(cun)振(zhen)興發(fa)展新(xin)形勢相匹配的保險保障(zhang)體系。當下(xia),銀保監會已將這一重(zhong)任具體化,保險機構都準備(bei)好了嗎?
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