傳農業保險市場準入制度醞釀改革為農業保險加把鎖
時(shi)間:2019-01-02 10:36:00 閱讀:3204 整理:廣州市場調查公司
據上海證券報獨家獲悉,隨著我國農業現代化進程的加快,農業保險發展的(de)內(nei)外部(bu)環境發生(sheng)了深(shen)刻變化。而基于(yu)這(zhe)些變化,保監會(hui)正(zheng)醞釀對(dui)農業保險市(shi)場準入制(zhi)度進(jin)行(xing)改革,相關(guan)文件近(jin)日起草完畢,目前正(zheng)在財(cai)險業內(nei)部(bu)征求意見階(jie)段。
經過近(jin)年來的(de)快速發(fa)展(zhan),我國農業(ye)保(bao)險已進入發(fa)展(zhan)新常態。實(shi)現了跨(kua)越式發(fa)展(zhan),保(bao)險品(pin)種不斷增(zeng)加,保(bao)險覆蓋面和參保(bao)農戶數顯著提高,保(bao)險服務(wu)水平(ping)和服務(wu)能力不斷增(zeng)強,在國民經濟社會全局(ju)中的(de)地(di)位(wei)和作用日益凸(tu)顯。
但由于農業保險(xian)屬于政策性險(xian)種、實行的是保費補貼政策,為維護公平有(you)序的市(shi)場秩序,適度(du)的準入門檻(jian)以及獎優罰劣制度(du)也是必不(bu)可缺的。
根據《農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)條(tiao)例(li)》和《國務(wu)院關于取消和調整一(yi)批行政審批項(xiang)(xiang)(xiang)目(mu)等事(shi)項(xiang)(xiang)(xiang)的(de)(de)決定》有關精神,農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)經營(ying)資格(ge)行政審批事(shi)項(xiang)(xiang)(xiang)或將被取消。但,根據近(jin)日內部(bu)下發的(de)(de)《關于改革農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)市(shi)場準入制(zhi)度(du)的(de)(de)通知》征求意見稿,準入門(men)檻將會(hui)根據經營(ying)主(zhu)體的(de)(de)不同有所區分(fen)(fen)。相較保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司總公司開(kai)辦(ban)(ban)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)的(de)(de)各種條(tiao)件而言,對(dui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司省級分(fen)(fen)公司開(kai)辦(ban)(ban)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)的(de)(de)準入門(men)檻將更加(jia)細化(hua)。此外,對(dui)于開(kai)辦(ban)(ban)四類農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司,可適(shi)當降(jiang)低經營(ying)資質要(yao)求。這(zhe)四類分(fen)(fen)別是:在革命(ming)老區、貧(pin)困地區和邊(bian)疆(jiang)少數民族地區開(kai)辦(ban)(ban)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu);開(kai)辦(ban)(ban)地方特色優勢農(nong)(nong)作物保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、價(jia)格(ge)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、收入保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、天(tian)氣指數保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、“互(hu)聯網(wang)+”等創新(xin)型(xing)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu);開(kai)辦(ban)(ban)漁業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、制(zhi)種保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、中藥材保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)等服務(wu)基礎較為薄弱的(de)(de)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu);開(kai)辦(ban)(ban)商業(ye)(ye)(ye)(ye)(ye)性(xing)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)。而對(dui)一(yi)些違法違規的(de)(de)經營(ying)主(zhu)體,也會(hui)建立(li)黑名單制(zhi)度(du),使其不得開(kai)展(zhan)農(nong)(nong)業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)。
值得一提的是,作為互聯網金融綜合服務平臺的三農金服,自上線起一直以穩健的風控、優質的資產端、完善的線上線下O2O創新模式專注于服務三農,在“普惠金融”領域獨樹一幟。并且,在今年1月7日,三農金服與中國人民人壽保險股份有限公司正式聯姻,簽署了正式合作協議。中國人民人壽保險股份有限公司將為三農金服量身定制多樣性險種保障平臺安全,示雙方將著手打造無憂理財賬戶,在保障資金安全的同時保障理財者的人身安全,為理財賬戶及理財著人身安全投保。此外,雙方也將攜手整合優質資產端,在三農信用貸、個人貸、企業貸等業務方面展開深化合作,對借貸項目進行保障,最大程度上將理財資金風險降低為零。更多最新數據分析、2015-2020年(nian)中國農(nong)業(ye)保險(xian)市場(chang)發展(zhan)現(xian)狀及投資分(fen)析報告》。
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