As an industry with the functions of disaster prevention and loss prevention and economic compensation, insurance is the "stabilizer" of society and the "booster" of economic development. At this year's national "two sessions", insurance became a high-frequency word in the "Government Work Report". Agricultural insurance, serious illness insurance and export credit insurance ... involve all aspects of economic and social development.
This year, how will our province make good use of these insurance tools to support the "umbrella" for the people and escort the economic development? On April 20th, the reporter interviewed the person in charge of Shanxi Insurance Regulatory Bureau.
Expanding the coverage of agricultural insurance and speeding up farmers' poverty alleviation
The government work report pointed out that the development of various forms of moderate scale operation is the only way for the modernization of agriculture with Chinese characteristics, and it is inseparable from the strong guarantee of agricultural insurance.
[Case] On July 65, 2065, at 438+08, a hail disaster occurred in Wu Ying Township, Lingshi County, and 3,928 mu of walnuts planted by 564 farmers insured by PICC Lingshi Branch were damaged. According to the regulations of walnut planting insurance, the affected farmers will be compensated 240 1.600 yuan.
2065438+On June 30th, 2005, 40 farmers in Xitou Village, Dongshe Town, Yuanping bought pear planting insurance in PICC Property Insurance, and bought 294,000 yuan of risk protection, with a premium of 1. 1.8 million yuan. In July of that year 17, the pear trees of these farmers suffered from hail, and PICC P&C paid159,000 yuan quickly.
[Current situation]
For farmers, agricultural insurance is more and more like improved varieties and fertilizers, and farming and planting are inseparable from it.
In 20 16, the pilot scope of local policy agricultural insurance in our province was further expanded. On the basis of "one city, one characteristic", the subsidized varieties have been further increased. 1 1 urban development 16 local policy agricultural insurance pilot projects, including grape, pear, protected vegetables, walnuts, apples, red dates, miscellaneous grains, mutton sheep, fattening pigs, beef cattle, watermelon, yellow flowers, silkworm, tomato in dry land, crop fire and pig price index insurance during harvest, with a total risk guarantee of 9. A total of 210.6093 million yuan was paid as compensation, and10.20 million farmers benefited.
At the same time, our province promoted the pilot of potato central financial subsidy insurance. After the central government subsidizes the premium by 40% and the provincial finance arranges 20 million yuan to subsidize 40%, the farmers pay only 20%. In the first 65,438+0 months of 2065,438+06, the province insured 668,654,380,000 mu of potatoes, with a coverage rate of 26.42%. In addition, the provincial finance also arranged 20 million yuan to reward the counties with premium subsidies for economic forests such as red dates, walnuts, apples and pears.
[voice]
Zhu Jinwei, director of the Shanxi Insurance Regulatory Bureau, said that this year, the insurance industry should continue to expand the coverage of agricultural insurance, implement the modern agricultural efficiency improvement project with service characteristics, strive to bring fattening pigs into the coverage of policy insurance, improve the coverage of wheat and corn insurance, accelerate the development of agricultural products insurance with characteristics and advantages such as small grains, dried fresh fruits and economic forests, and expand the pilot scope of crop meteorological index and target price index insurance. At the same time, we will develop small loan guarantee insurance for poverty alleviation, continue to promote small personal insurance, and promote poverty-stricken areas to accelerate their running on the road to poverty alleviation.
Improve serious illness insurance and keep the bottom line of people's livelihood.
According to the Government Work Report, full coverage of serious illness insurance will be achieved in 20 16 years, and the serious illness insurance system will be improved in 20 17 years to improve the level of protection.
[Case] From September 2065 438 to February 2065438, Li Jun (pseudonym), a resident of Jiangxian County, Yuncheng City, was hospitalized for kidney transplantation, which cost more than 250,000 yuan. At the time of discharge, 86,300 yuan was reimbursed through the new rural cooperative medical system and 38,300 yuan was reimbursed through serious illness medical insurance. At present, his medical record is being transferred from critical illness insurance to critical illness medical supplementary insurance. It is estimated that the compensation amount of supplementary medical insurance for serious illness is 6.5438+0.59 million yuan. In this way, the total reimbursement for the three risks is 6.5438+0.405 million yuan.
Zhang Xin (pseudonym), a citizen of Taiyuan, was hospitalized for cerebral hemorrhage, hypertension and other diseases, and spent 937,000 yuan. After the basic medical reimbursement was 58,000 yuan, the serious illness insurance paid another 400,000 yuan, which was 42.7 percentage points higher than that before participating in the serious illness insurance.
[Current situation]
In 20 16, serious illness insurance has covered 1 1 cities in the whole province. At present, the basic policy of serious illness insurance in our province is unified, and urban residents and the new rural cooperative medical system are coordinated at the municipal level. In 20 16, the province's serious illness insurance covered 25,345,800 people, with a compensation amount of 488 million yuan and 89,400 people. Through the payment of serious illness insurance, the proportion of insured patients increased by 15.7 percentage points on average, effectively reducing the phenomenon of "poverty caused by illness and returning to poverty due to illness".
In view of the poverty-stricken households who set up their cards, Shanxi Insurance Regulatory Bureau and other departments issued policies to reduce the deductible line of major illness insurance from 1 10,000 yuan to 5,000 yuan. By the end of 20 16, our province had provided 58.9 billion yuan of supplementary medical insurance for 805,700 poverty-stricken households with filing cards.
[voice]
Zhu Jinxi introduced that this year, Shanxi Insurance Regulatory Bureau will continue to promote the major illness insurance policy to the poor households who have established the card, promote the pilot of supplementary medical insurance for the poor, and reduce the medical burden of the poor. At the same time, according to the requirements of the provincial party Committee and the provincial government, the insurance industry will explore commercial insurance handling services on a pilot basis, and gradually form an integrated handling model of "serious illness insurance+basic medical insurance" to improve the efficiency of government services. In addition, the insurance industry will also promote the "one-stop" service of serious illness insurance, improve the level of undertaking serious illness insurance, and accelerate the development of personal tax excellent health insurance.
Speeding up the development of export credit insurance to escort enterprises to "go global"
In the government work report, it was pointed out in the deployment of key work in 20 17 that the export credit insurance coverage should be expanded to cover all export financing of complete sets of equipment.
[Case] 20 1 1 China Xinbao Shanxi Branch cooperated with Universiade Automobile to provide insurance for the equipment manufacturing industry in our province to "go global". In 20 12 and 20 13, the Universiade automobile export business to Mongolia was risky, and the buyer was short of funds and had difficulty in sales, so it was impossible to pay for the goods in a short time. After China Xinbao intervened, it paid about 8 million yuan to Universiade Automobile in time and successfully recovered part of the payment, which greatly boosted the confidence of Universiade Automobile in exploring overseas markets. Under the escort of export credit insurance, the export volume of Universiade automobiles increased year by year, exceeding 30 million dollars in 20 15 years.
Export credit insurance can also help agricultural products reduce the credit risk of foreign trade. Pinglu Jintong Fruit Industry Professional Cooperative is a small and micro enterprise that grows and exports apples. At the beginning of 20 14, the company exported more than 20,000 boxes of apples to Bangladesh. After the buyer receives the goods, he delays payment. After the communication failed, Golden Boy Fruit reported the case to China Xinbao Shanxi Branch. After the company intervened in the investigation, it was found that the buyer had malicious breach of contract. Subsequently, Shanxi Xinbao paid compensation of more than 230,000 yuan to Jintong Fruit Industry.
[Current situation]
Export credit insurance is an internationally accepted trade promotion measure and conforms to the rules of the World Trade Organization. Its business risks are mainly abroad, involving political risks and commercial risks in international trade and investment, including the credit risks of overseas buyers and banks, the sovereign credit risks of foreign governments, foreign exchange restrictions and other political risks.
In 20 10, China Xinbao formally established a branch in our province, and the supported export volume jumped from1500,000 US dollars before the establishment of the company in 2009 to 201500,000 US dollars; The number of underwriting enterprises increased from more than 20 in 2009 to 669. In the first 65,438+00 months of 2065,438+06, 887 export enterprises were supported by export credit insurance services, and the general trade export penetration rate and enterprise coverage rate reached over 90%.
[voice]
Zhu Jinxi introduced that this year, our province will accelerate the development of export credit insurance business, ensure the export of superior products for transformation and upgrading, overseas investment and the safety of engineering construction, and support export-oriented small and micro enterprises to become bigger and stronger. At the same time, the insurance industry will promote the construction of insurance mechanism in the field of transformation and upgrading, accelerate the development of science and technology insurance focusing on the first (set) of major technical equipment insurance, explore the development of patent insurance, and provide comprehensive insurance protection for independent innovation, technological transformation and equipment upgrading of enterprises. In addition, it will strengthen insurance protection in the fields of information technology, new materials and new energy, promote the establishment of insurance mechanisms such as advanced equipment manufacturing, and serve the development of strategic emerging industries.