中證(zheng)網訊（記者 趙(zhao)白(bai)執(zhi)南(nan)）6月26日，中國保險(xian)(xian)行業(ye)(ye)協會（以(yi)下(xia)簡稱保險(xian)(xian)業(ye)(ye)協會）召開新聞發(fa)(fa)布會，正(zheng)式發(fa)(fa)布《發(fa)(fa)電(dian)企(qi)業(ye)(ye)保險(xian)(xian)風(feng)險(xian)(xian)評估工(gong)作指(zhi)引》（以(yi)下(xia)簡稱《工(gong)作指(zhi)引》）。《工(gong)作指(zhi)引》是對(dui)燃煤發(fa)(fa)電(dian)、水(shui)力發(fa)(fa)電(dian)、光(guang)伏發(fa)(fa)電(dian)、陸上風(feng)電(dian)和海上風(feng)電(dian)等主(zhu)要發(fa)(fa)電(dian)類型企(qi)業(ye)(ye)實現(xian)全覆(fu)蓋的保險(xian)(xian)風(feng)險(xian)(xian)評估工(gong)作實務。

　　在(zai)落實雙碳戰略、推動綠色轉(zhuan)型(xing)的(de)(de)(de)(de)背景下，發電(dian)企(qi)業(ye)已成為實現能(neng)源綠色低碳轉(zhuan)型(xing)的(de)(de)(de)(de)關鍵領域，其對轉(zhuan)型(xing)過程(cheng)中(zhong)的(de)(de)(de)(de)風險(xian)(xian)管(guan)理需(xu)求(qiu)大(da)幅(fu)提高，保險(xian)(xian)在(zai)發電(dian)企(qi)業(ye)風險(xian)(xian)保障方面的(de)(de)(de)(de)作(zuo)用進一步(bu)凸(tu)顯(xian)。保險(xian)(xian)業(ye)協(xie)會于2019年牽頭組織永誠保險(xian)(xian)、太保產險(xian)(xian)等10家財(cai)產險(xian)(xian)公(gong)司調研多家不同類型(xing)的(de)(de)(de)(de)發電(dian)企(qi)業(ye)，匯聚了保險(xian)(xian)業(ye)多年服務電(dian)力行業(ye)積累(lei)的(de)(de)(de)(de)承保理賠及(ji)風險(xian)(xian)管(guan)理實踐經驗，經過三年多的(de)(de)(de)(de)深入研究并(bing)充分征求(qiu)保險(xian)(xian)監管(guan)部門、各(ge)財(cai)產保險(xian)(xian)公(gong)司的(de)(de)(de)(de)意見建議，于近期完成《工作(zuo)指引》的(de)(de)(de)(de)制定(ding)工作(zuo)，并(bing)通過了保險(xian)(xian)及(ji)電(dian)力行業(ye)有關專家學者的(de)(de)(de)(de)評審。

　　《工(gong)作指引》對(dui)發電企業建設期和(he)運營期承保(bao)風(feng)險(xian)評估(gu)的(de)適用(yong)對(dui)象、術語定義、評估(gu)內容、操(cao)作方法(fa)、最大損失估(gu)算、評估(gu)報告格(ge)式(shi)等進行了規范，對(dui)保(bao)險(xian)公司承保(bao)前風(feng)險(xian)判斷和(he)承保(bao)后提(ti)供(gong)防災(zai)防損等風(feng)險(xian)減量服(fu)務等提(ti)出了明確要求，具(ju)有較(jiao)強的(de)指導(dao)性(xing)和(he)前瞻性(xing)。

　　《工(gong)作(zuo)指(zhi)引》的(de)(de)(de)發布(bu)是(shi)保(bao)險(xian)(xian)業(ye)協會持(chi)續(xu)推進電(dian)(dian)力(li)(li)行(xing)業(ye)保(bao)險(xian)(xian)風(feng)險(xian)(xian)研究(jiu)的(de)(de)(de)系統(tong)(tong)(tong)性成果(guo)，也是(shi)保(bao)險(xian)(xian)業(ye)認真貫徹(che)落(luo)實黨中(zhong)央國務院關于碳達峰(feng)碳中(zhong)和(he)總體(ti)部署的(de)(de)(de)重要(yao)舉(ju)措。具有三(san)個特點：一是(shi)保(bao)險(xian)(xian)服務國家戰略的(de)(de)(de)重要(yao)體(ti)現(xian)。《工(gong)作(zuo)指(zhi)引》兼顧(gu)了傳統(tong)(tong)(tong)燃煤發電(dian)(dian)和(he)綠色低(di)碳清潔能源(yuan)發電(dian)(dian)兩種形式的(de)(de)(de)保(bao)險(xian)(xian)風(feng)險(xian)(xian)評(ping)估，既促(cu)(cu)進傳統(tong)(tong)(tong)電(dian)(dian)力(li)(li)行(xing)業(ye)穩(wen)健轉型，又(you)促(cu)(cu)進新(xin)(xin)型電(dian)(dian)力(li)(li)系統(tong)(tong)(tong)建(jian)(jian)設(she)；既立足基本國情，促(cu)(cu)進發揮煤電(dian)(dian)對新(xin)(xin)能源(yuan)發展的(de)(de)(de)支撐調節和(he)兜底保(bao)障作(zuo)用，又(you)錨(mao)定遠景目標，聚焦新(xin)(xin)能源(yuan)等戰略新(xin)(xin)興(xing)產(chan)業(ye)，積極促(cu)(cu)進構建(jian)(jian)我國現(xian)代(dai)能源(yuan)體(ti)系。為發電(dian)(dian)企業(ye)有效化解生產(chan)經(jing)營和(he)安全風(feng)險(xian)(xian)、助力(li)(li)電(dian)(dian)力(li)(li)能源(yuan)供(gong)給結構改革提供(gong)了高質量(liang)的(de)(de)(de)保(bao)險(xian)(xian)保(bao)障。

　　二是保(bao)(bao)險(xian)(xian)回(hui)歸保(bao)(bao)障本源(yuan)的重要實(shi)踐。《工作(zuo)指引》通過深入分(fen)析(xi)研(yan)究保(bao)(bao)險(xian)(xian)業(ye)(ye)(ye)多年服務(wu)電力行業(ye)(ye)(ye)的承保(bao)(bao)理(li)賠數據及風(feng)(feng)險(xian)(xian)管控(kong)實(shi)踐經驗，充分(fen)發揮保(bao)(bao)險(xian)(xian)風(feng)(feng)險(xian)(xian)識別、防控(kong)和(he)(he)治理(li)的專業(ye)(ye)(ye)能力，準確把握不同發電企業(ye)(ye)(ye)所具有的風(feng)(feng)險(xian)(xian)狀況及特點，對(dui)各類型風(feng)(feng)險(xian)(xian)進行分(fen)類分(fen)級，不僅包括了傳統自然災害(hai)和(he)(he)意外事故導致(zhi)的物(wu)損(sun)(sun)及責(ze)任風(feng)(feng)險(xian)(xian)，而且(qie)(qie)還(huan)考慮了轉(zhuan)型升(sheng)級風(feng)(feng)險(xian)(xian)及環(huan)境污染(ran)等新型風(feng)(feng)險(xian)(xian)；不僅對(dui)投保(bao)(bao)風(feng)(feng)險(xian)(xian)進行評估(gu)，而且(qie)(qie)還(huan)提供(gong)防災減損(sun)(sun)建議等風(feng)(feng)險(xian)(xian)減量(liang)服務(wu)。

　　三是保險(xian)(xian)(xian)(xian)踐(jian)行(xing)(xing)以客戶(hu)為中心思想的(de)(de)(de)重要(yao)(yao)舉(ju)措。在(zai)規范術(shu)(shu)語方(fang)(fang)(fang)面，《工作(zuo)指引》嚴格(ge)使用(yong)電力行(xing)(xing)業(ye)通行(xing)(xing)的(de)(de)(de)專業(ye)術(shu)(shu)語，方(fang)(fang)(fang)便客戶(hu)理解，減少歧義，提升(sheng)承(cheng)保服務的(de)(de)(de)效率和(he)客戶(hu)體驗。在(zai)評(ping)估流程方(fang)(fang)(fang)面，《工作(zuo)指引》對評(ping)估前準(zhun)備、風(feng)(feng)險(xian)(xian)(xian)(xian)信息采集、風(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)估規則(ze)及(ji)方(fang)(fang)(fang)式、風(feng)(feng)險(xian)(xian)(xian)(xian)事故等(deng)級劃分、風(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)估報告(gao)結構(gou)要(yao)(yao)素(su)和(he)評(ping)估標準(zhun)等(deng)全流程進行(xing)(xing)了嚴格(ge)規范。在(zai)結果(guo)反饋方(fang)(fang)(fang)面，《工作(zuo)指引》要(yao)(yao)求不僅要(yao)(yao)如實反饋風(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)估結果(guo)，為客戶(hu)投保提供承(cheng)保服務及(ji)技術(shu)(shu)支持，更要(yao)(yao)推動風(feng)(feng)險(xian)(xian)(xian)(xian)減量服務，向客戶(hu)提供風(feng)(feng)險(xian)(xian)(xian)(xian)管理和(he)防災減損的(de)(de)(de)專業(ye)建議。

　　保(bao)險業協會(hui)(hui)相關負責人表示，下一步，保(bao)險業協會(hui)(hui)將在監(jian)管部(bu)門指導下，積極推動《工作指引(yin)》成果的落地應用，繼續(xu)加強內(nei)外部(bu)合作交流，持續(xu)深(shen)化電力(li)行業保(bao)險保(bao)障和風(feng)險減量服(fu)(fu)務(wu)(wu)的研究探索，切實(shi)提(ti)升保(bao)險服(fu)(fu)務(wu)(wu)經(jing)濟社會(hui)(hui)發展質(zhi)效。