中(zhong)證網訊（記者 趙白執南）記者從中(zhong)國(guo)(guo)保險行業(ye)協會（下稱(cheng)“保險業(ye)協會”）獲悉(xi)，5月(yue)18日(ri)，保險業(ye)協會發布《農(nong)(nong)業(ye)保險承保理賠電子化(hua)作業(ye)規范》標準(zhun)。該標準(zhun)嚴格落實(shi)監(jian)管部門《農(nong)(nong)業(ye)保險承保理賠管理辦法》要求，由中(zhong)國(guo)(guo)銀保信、人(ren)保財險、國(guo)(guo)壽財險、平安(an)產險、大地保險、中(zhong)華財險、安(an)華農(nong)(nong)險、陽光農(nong)(nong)險、國(guo)(guo)元農(nong)(nong)險、中(zhong)原農(nong)(nong)險等單位共同參與編制(zhi)。標準(zhun)制(zhi)定在(zai)充(chong)分(fen)借鑒當前在(zai)全(quan)國(guo)(guo)20余(yu)個地區開展的(de)(de)農(nong)(nong)險電子化(hua)的(de)(de)實(shi)踐經驗基礎(chu)上，經過多(duo)次調(diao)研、論證、研討(tao)、審定等程序，先后吸收行業(ye)內外(wai)意見近(jin)200條(tiao)，共歷(li)時(shi)兩年(nian)多(duo)時(shi)間。

　　隨(sui)著(zhu)科(ke)技(ji)的(de)(de)發(fa)展和(he)成熟，電(dian)子簽名、電(dian)子單證、移(yi)動應用等(deng)技(ji)術(shu)逐步應用于保(bao)(bao)(bao)險(xian)等(deng)金融機構，并作為農(nong)業(ye)保(bao)(bao)(bao)險(xian)賦能的(de)(de)重要手段，但(dan)在近年來的(de)(de)實(shi)際應用過程中發(fa)現，農(nong)業(ye)保(bao)(bao)(bao)險(xian)的(de)(de)承保(bao)(bao)(bao)理(li)賠(pei)電(dian)子化作業(ye)由(you)于標準缺失(shi)，給農(nong)業(ye)保(bao)(bao)(bao)險(xian)高質量發(fa)展帶來不(bu)必(bi)要的(de)(de)系(xi)列問(wen)題。該標準通過對(dui)農(nong)業(ye)保(bao)(bao)(bao)險(xian)承保(bao)(bao)(bao)理(li)賠(pei)各(ge)流程的(de)(de)線(xian)上(shang)(shang)化操作進行(xing)規定(ding)，明確了農(nong)業(ye)保(bao)(bao)(bao)險(xian)承保(bao)(bao)(bao)的(de)(de)政(zheng)策宣講、信息(xi)采集、投保(bao)(bao)(bao)告(gao)知(zhi)與確認、標的(de)(de)核驗(yan)、承保(bao)(bao)(bao)公示、收費出(chu)單、批(pi)改管理(li)、電(dian)子保(bao)(bao)(bao)單；及(ji)農(nong)業(ye)保(bao)(bao)(bao)險(xian)理(li)賠(pei)端(duan)的(de)(de)報(bao)案、查勘定(ding)損、立案、理(li)算、理(li)賠(pei)公示、賠(pei)款(kuan)確認、核賠(pei)支付(fu)、特殊理(li)賠(pei)案件(jian)處理(li)各(ge)環節的(de)(de)具體要求，對(dui)后續保(bao)(bao)(bao)險(xian)機構如(ru)何進行(xing)線(xian)上(shang)(shang)化操作進行(xing)了統一，為保(bao)(bao)(bao)險(xian)機構合規、科(ke)學、有效的(de)(de)推動線(xian)上(shang)(shang)化農(nong)業(ye)保(bao)(bao)(bao)險(xian)提(ti)供具體指導(dao)和(he)技(ji)術(shu)依據。

　　該標準的制定，一(yi)(yi)方(fang)面基于《農業(ye)保(bao)(bao)(bao)險承保(bao)(bao)(bao)理(li)賠管(guan)理(li)辦法》要求，通過全國農業(ye)保(bao)(bao)(bao)險信(xin)息管(guan)理(li)平(ping)臺明確農業(ye)保(bao)(bao)(bao)險線(xian)上化承保(bao)(bao)(bao)理(li)賠過程中(zhong)新技(ji)術(shu)的應用方(fang)式(shi)，統一(yi)(yi)操作(zuo)(zuo)規(gui)范，提(ti)(ti)高(gao)行(xing)業(ye)科技(ji)化應用水平(ping)，引導(dao)行(xing)業(ye)創(chuang)新發展、降本提(ti)(ti)效(xiao)；另一(yi)(yi)方(fang)面在線(xian)上作(zuo)(zuo)業(ye)的各(ge)個環節不斷提(ti)(ti)升參保(bao)(bao)(bao)農戶(hu)操作(zuo)(zuo)便捷性和信(xin)息透明度，保(bao)(bao)(bao)障農戶(hu)知情(qing)權，切實維護投(tou)保(bao)(bao)(bao)農戶(hu)利(li)益。

　　保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)協會相關(guan)負責人表示，該標準發(fa)布實施，將進一步統一農(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)承保(bao)(bao)(bao)(bao)(bao)理(li)賠(pei)線上化(hua)操作，有利于促進地方監管(guan)機構及(ji)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)機構全(quan)面提(ti)(ti)升農(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)管(guan)理(li)水(shui)平(ping)，更好(hao)引導(dao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)機構人員進行合規展(zhan)業(ye)(ye)，為(wei)廣(guang)大農(nong)(nong)戶提(ti)(ti)供更便捷、高品質(zhi)的服務。下一步，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)協會將為(wei)現(xian)代(dai)農(nong)(nong)業(ye)(ye)發(fa)展(zhan)和(he)鄉村振興做好(hao)金融保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)服務，助(zhu)力(li)農(nong)(nong)業(ye)(ye)強(qiang)國建設。