日前，各上市保(bao)險(xian)公司先后召開中報業績發(fa)布會，從公開的(de)數據看，2023年上半(ban)年，財(cai)(cai)產保(bao)險(xian)行業實現穩步增長，其中車險(xian)業務(wu)穩健有序，非(fei)車險(xian)業務(wu)依然(ran)構成主要增長引(yin)擎，農業保(bao)險(xian)持續“擴面增品提質”。財(cai)(cai)險(xian)業在(zai)應對自然(ran)災害，在(zai)風險(xian)減(jian)(jian)量(liang)和(he)救災救助方面充(chong)分發(fa)揮了經(jing)濟“減(jian)(jian)震器”功能。

　　非車險成主要增長引擎

　　2023年上(shang)半年，財(cai)(cai)產保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務(wu)(wu)穩(wen)定增(zeng)(zeng)長(chang)(chang)(chang)，業務(wu)(wu)結構持續改善，車(che)險(xian)(xian)(xian)綜(zong)合改革后整體經營穩(wen)健有(you)序，非車(che)險(xian)(xian)(xian)業務(wu)(wu)則貢獻了主要的增(zeng)(zeng)量(liang)保(bao)(bao)(bao)(bao)(bao)費(fei)。人保(bao)(bao)(bao)(bao)(bao)財(cai)(cai)險(xian)(xian)(xian)實(shi)(shi)(shi)現原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)3009.30億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)8.8%。其(qi)中，機動車(che)輛(liang)險(xian)(xian)(xian)實(shi)(shi)(shi)現原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)1358.99億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)5.5%；非車(che)險(xian)(xian)(xian)業務(wu)(wu)實(shi)(shi)(shi)現原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)1650.31億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)11.6%。太保(bao)(bao)(bao)(bao)(bao)產險(xian)(xian)(xian)實(shi)(shi)(shi)現原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)1037.03億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)14.3%。其(qi)中，車(che)險(xian)(xian)(xian)原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)507.65億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)5.4%；非車(che)險(xian)(xian)(xian)原保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)費(fei)收(shou)(shou)入(ru)529.38億(yi)(yi)元(yuan)(yuan)(yuan)，同比(bi)(bi)(bi)增(zeng)(zeng)長(chang)(chang)(chang)24.5%

　　隨(sui)著車(che)(che)(che)險(xian)(xian)客戶(hu)出行需求恢復，車(che)(che)(che)險(xian)(xian)出險(xian)(xian)率同比(bi)(bi)(bi)有(you)所(suo)增(zeng)加(jia)，市場賠(pei)付呈上(shang)(shang)(shang)漲趨勢。今年上(shang)(shang)(shang)半年，平安(an)(an)產險(xian)(xian)整體承(cheng)保(bao)綜合(he)成本率同比(bi)(bi)(bi)上(shang)(shang)(shang)升0.9個(ge)(ge)百分點至98.0%。太保(bao)產險(xian)(xian)承(cheng)保(bao)綜合(he)成本率97.9%，同比(bi)(bi)(bi)上(shang)(shang)(shang)升0.6個(ge)(ge)百分點，其(qi)中(zhong)承(cheng)保(bao)綜合(he)賠(pei)付率70.4%，同比(bi)(bi)(bi)上(shang)(shang)(shang)升0.9個(ge)(ge)百分點。受益(yi)于(yu)新車(che)(che)(che)銷量增(zeng)長及(ji)新能源車(che)(che)(che)購置稅的減(jian)免政策延續，上(shang)(shang)(shang)半年人保(bao)財險(xian)(xian)機動車(che)(che)(che)輛(liang)險(xian)(xian)承(cheng)保(bao)數量同比(bi)(bi)(bi)增(zeng)長7.3%。平安(an)(an)產險(xian)(xian)通過優化定價(jia)模型(xing)、加(jia)強風險(xian)(xian)篩選及(ji)精細(xi)化費用(yong)投放等管理舉措(cuo)，保(bao)持車(che)(che)(che)險(xian)(xian)盈利，截至2023年6月末，“平安(an)(an)好車(che)(che)(che)主(zhu)”APP注冊用(yong)戶(hu)數突破1.86億，累計綁車(che)(che)(che)超1.25億輛(liang)。

　　在新能源車(che)(che)(che)險(xian)(xian)(xian)(xian)方面，平安產(chan)險(xian)(xian)(xian)(xian)在半年報(bao)中表示，未來將在新能源、無(wu)人駕(jia)駛、里程(cheng)保險(xian)(xian)(xian)(xian)等新的車(che)(che)(che)險(xian)(xian)(xian)(xian)細分領(ling)域(yu)儲備核心技術，推動產(chan)品和服務創新，滿足客戶多樣(yang)化(hua)需求，推動車(che)(che)(che)險(xian)(xian)(xian)(xian)業務高質量發展。太平財險(xian)(xian)(xian)(xian)同樣(yang)在報(bao)告(gao)中提(ti)出(chu)，將持(chi)續提(ti)升新能源車(che)(che)(che)險(xian)(xian)(xian)(xian)市(shi)場份額和全車(che)(che)(che)種續保率(lv)，增強非(fei)私家(jia)車(che)(che)(che)板塊(kuai)盈(ying)利能力(li)和費用投(tou)放(fang)有效性。

　　中再集團有關負責人表示，去(qu)年(nian)新能(neng)源汽(qi)車(che)保(bao)險(xian)保(bao)費規模(mo)超(chao)過700億元。有的保(bao)險(xian)公司(si)研發推(tui)出(chu)新能(neng)源汽(qi)車(che)定(ding)價風控模(mo)型(xing)，助力行業整體提(ti)高拓展新能(neng)源車(che)險(xian)的專業能(neng)力；有的保(bao)險(xian)公司(si)在(zai)承保(bao)電動新能(neng)源車(che)基(ji)礎上(shang)不斷創新，首次推(tui)出(chu)氫能(neng)源車(che)輛(liang)保(bao)單。

　　健康(kang)險(xian)方面，太保(bao)(bao)產(chan)險(xian)構建政策性業務(wu)和商業性業務(wu)發(fa)展并重(zhong)的格局，創新產(chan)品供給，加(jia)強(qiang)對長護保(bao)(bao)險(xian)、慢病保(bao)(bao)險(xian)、惠民保(bao)(bao)等細(xi)分(fen)領域(yu)的深度挖掘，加(jia)快中(zhong)高(gao)端醫(yi)療等商業健康(kang)險(xian)的發(fa)展動能，同時加(jia)強(qiang)品質管(guan)控，優化(hua)業務(wu)成本。2023年上半年，公(gong)司健康(kang)險(xian)業務(wu)原保(bao)(bao)險(xian)保(bao)(bao)費收入132.93億元，同比增長26.3%；承保(bao)(bao)綜合成本率為101.2%，同比下降1.1個百分(fen)點(dian)。

　　在(zai)(zai)安(an)(an)全(quan)生產、住房安(an)(an)全(quan)等(deng)重點領域，財險(xian)業(ye)(ye)不斷創新(xin)風險(xian)減(jian)量服務(wu)模式。人保集(ji)團董事長王(wang)廷科表示，人保集(ji)團在(zai)(zai)以(yi)科技(ji)手段推(tui)動風險(xian)減(jian)量管(guan)理方面，已經有很多探索和實踐。以(yi)電梯(ti)安(an)(an)全(quan)綜(zong)合保險(xian)為例，公(gong)司(si)在(zai)(zai)寧波、嘉(jia)興等(deng)多個(ge)城市，建立“電梯(ti)衛士”平臺，政(zheng)府(fu)部門、保險(xian)公(gong)司(si)、物業(ye)(ye)、業(ye)(ye)主(zhu)都(dou)能夠(gou)實時(shi)看到電梯(ti)維(wei)修(xiu)保養情況，大(da)幅(fu)降(jiang)低了(le)(le)電梯(ti)故障(zhang)(zhang)率，體(ti)現出保險(xian)在(zai)(zai)服務(wu)社會(hui)治理中的功(gong)能作用，打造(zao)了(le)(le)獨特的市場競爭優勢。在(zai)(zai)房屋安(an)(an)全(quan)方面，公(gong)司(si)在(zai)(zai)浙江等(deng)地運用物聯監控功(gong)能，及(ji)時(shi)了(le)(le)解房屋安(an)(an)全(quan)變(bian)化情況，既有效(xiao)保障(zhang)(zhang)了(le)(le)社會(hui)公(gong)共安(an)(an)全(quan)，減(jian)少了(le)(le)群眾(zhong)財產損失(shi)，也提高了(le)(le)公(gong)司(si)業(ye)(ye)務(wu)價值，實現各方共贏。

　　農業保險供給能力提升

　　今年上半年，保(bao)(bao)(bao)(bao)險(xian)業為(wei)農業生產(chan)提供有力的風險(xian)保(bao)(bao)(bao)(bao)障(zhang)。中國人保(bao)(bao)(bao)(bao)農業保(bao)(bao)(bao)(bao)險(xian)實現保(bao)(bao)(bao)(bao)險(xian)服務收(shou)入250.43億元(yuan)，同(tong)(tong)(tong)比增長22.2%；綜(zong)合成(cheng)本率(lv)96.5%，同(tong)(tong)(tong)比上升1.2個百分點。太保(bao)(bao)(bao)(bao)產(chan)險(xian)農業保(bao)(bao)(bao)(bao)險(xian)原(yuan)保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)費收(shou)入124.34億元(yuan)，同(tong)(tong)(tong)比增速33.9%；承保(bao)(bao)(bao)(bao)綜(zong)合成(cheng)本率(lv)為(wei)98.1%，同(tong)(tong)(tong)比持平(ping)。平(ping)安產(chan)險(xian)農業保(bao)(bao)(bao)(bao)險(xian)原(yuan)保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)費收(shou)入55.28億元(yuan)，同(tong)(tong)(tong)比增長53.1%；承保(bao)(bao)(bao)(bao)綜(zong)合成(cheng)本率(lv)93.4%。

　　今年以來，農業保(bao)險(xian)(xian)產品創新(xin)步伐加快(kuai)，供給能(neng)(neng)力進一(yi)步提升，切實發(fa)揮(hui)保(bao)險(xian)(xian)助力鄉村振興的托底保(bao)障功能(neng)(neng)。“保(bao)險(xian)(xian)業發(fa)展的政(zheng)策(ce)環境持續向(xiang)好(hao)，保(bao)險(xian)(xian)已經成為政(zheng)府政(zheng)策(ce)‘工具箱(xiang)’中的重要(yao)手段。今年在(zai)農業保(bao)險(xian)(xian)方(fang)面，國家(jia)出(chu)臺了三(san)大糧(liang)(liang)食作物完全成本收(shou)入保(bao)險(xian)(xian)覆蓋全國所(suo)有產糧(liang)(liang)大縣(xian)的重要(yao)支(zhi)持政(zheng)策(ce)。”王廷科(ke)說。

　　人保(bao)(bao)財險(xian)(xian)(xian)(xian)搶抓(zhua)三(san)大(da)主糧完全成(cheng)本和收入保(bao)(bao)險(xian)(xian)(xian)(xian)實(shi)(shi)施范圍擴大(da)、地方特(te)色(se)農(nong)(nong)(nong)險(xian)(xian)(xian)(xian)中央獎補擴面(mian)等(deng)政策機遇，種植(zhi)險(xian)(xian)(xian)(xian)、養殖險(xian)(xian)(xian)(xian)業務(wu)實(shi)(shi)現快速發(fa)展(zhan)；同時，開(kai)展(zhan)農(nong)(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)(xian)創(chuang)(chuang)新(xin)(xin)實(shi)(shi)踐探索，積(ji)極推(tui)動高標準(zhun)農(nong)(nong)(nong)田建設工程(cheng)質量潛(qian)在缺(que)陷(xian)責任保(bao)(bao)險(xian)(xian)(xian)(xian)、種業保(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)創(chuang)(chuang)新(xin)(xin)型農(nong)(nong)(nong)險(xian)(xian)(xian)(xian)落地擴面(mian)，面(mian)向農(nong)(nong)(nong)村(cun)的保(bao)(bao)險(xian)(xian)(xian)(xian)解決方案(an)“鄉(xiang)村(cun)保(bao)(bao)”提(ti)檔升級(ji)。太保(bao)(bao)產險(xian)(xian)(xian)(xian)三(san)大(da)主糧完全成(cheng)本保(bao)(bao)險(xian)(xian)(xian)(xian)的覆蓋率和轉化率顯著提(ti)升，養殖險(xian)(xian)(xian)(xian)多(duo)元發(fa)展(zhan)、擴面(mian)增品(pin)，地方特(te)色(se)保(bao)(bao)險(xian)(xian)(xian)(xian)精準(zhun)對(dui)接“一縣多(duo)品(pin)”“一鄉(xiang)一品(pin)”創(chuang)(chuang)新(xin)(xin)需求；同時，依托科(ke)技優勢推(tui)動農(nong)(nong)(nong)險(xian)(xian)(xian)(xian)產品(pin)創(chuang)(chuang)新(xin)(xin)，積(ji)極推(tui)進保(bao)(bao)險(xian)(xian)(xian)(xian)+期貨、保(bao)(bao)險(xian)(xian)(xian)(xian)+信貸等(deng)創(chuang)(chuang)新(xin)(xin)性“農(nong)(nong)(nong)險(xian)(xian)(xian)(xian)+”業務(wu)發(fa)展(zhan)。

　　在(zai)(zai)綠(lv)色保(bao)(bao)(bao)險(xian)(xian)(xian)領域，財(cai)險(xian)(xian)(xian)業(ye)也展開積極探索。平(ping)安產(chan)(chan)險(xian)(xian)(xian)創新(xin)(xin)開發(fa)耕地(di)(di)地(di)(di)力指(zhi)數(shu)、農(nong)(nong)產(chan)(chan)品(pin)氣象(xiang)指(zhi)數(shu)、古樹(shu)名木綜合保(bao)(bao)(bao)險(xian)(xian)(xian)、水(shui)稻綠(lv)色種植統(tong)防統(tong)治保(bao)(bao)(bao)險(xian)(xian)(xian)等產(chan)(chan)品(pin)，不(bu)斷提(ti)(ti)高保(bao)(bao)(bao)障水(shui)平(ping)、擴大保(bao)(bao)(bao)障范圍，以滿足農(nong)(nong)業(ye)生(sheng)產(chan)(chan)經營多方面(mian)、多層次(ci)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)需求(qiu)，建立多元(yuan)化農(nong)(nong)業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品(pin)體系。中國(guo)(guo)人壽財(cai)險(xian)(xian)(xian)創新(xin)(xin)推出(chu)的(de)全國(guo)(guo)首單海洋(yang)生(sheng)態植被救治保(bao)(bao)(bao)險(xian)(xian)(xian)（互花米草(cao)防治專用）在(zai)(zai)福(fu)建寧德福(fu)鼎(ding)市試點落地(di)(di)，為(wei)福(fu)鼎(ding)全市1萬(wan)畝海域生(sheng)態植被提(ti)(ti)供1000萬(wan)元(yuan)風(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)障；全國(guo)(guo)首單“林(lin)(lin)業(ye)碳匯保(bao)(bao)(bao)險(xian)(xian)(xian)+”服(fu)務項目落地(di)(di)福(fu)建龍(long)(long)巖，為(wei)龍(long)(long)巖市新(xin)(xin)羅(luo)區國(guo)(guo)有林(lin)(lin)場(chang)及九龍(long)(long)江(jiang)源國(guo)(guo)有林(lin)(lin)場(chang)碳排(pai)放權(quan)交易價值提(ti)(ti)供891萬(wan)元(yuan)碳匯損失風(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)障。

　　風險減量應對氣候風險

　　今(jin)年以來，氣候變化風險(xian)獲市場密切(qie)關(guan)注(zhu)。保(bao)(bao)險(xian)業積極協助(zhu)救(jiu)援(yuan)救(jiu)災(zai)(zai)，推進各項大災(zai)(zai)救(jiu)援(yuan)理賠工作。然而(er)，自(zi)然災(zai)(zai)害(hai)造成的賠付損失(shi)是否會嚴重影(ying)響保(bao)(bao)險(xian)公司的盈利表現(xian)？中國人(ren)保(bao)(bao)半年度報(bao)告顯示，受凍災(zai)(zai)、風災(zai)(zai)、連陰雨等自(zi)然災(zai)(zai)害(hai)影(ying)響，今(jin)年上半年中國人(ren)保(bao)(bao)農(nong)險(xian)綜(zong)合賠付率為82.3%，同(tong)比上升2.8個(ge)(ge)百(bai)分點；綜(zong)合費(fei)用(yong)率14.2%，同(tong)比下降(jiang)1.6個(ge)(ge)百(bai)分點；綜(zong)合成本率96.5%，同(tong)比上升1.2個(ge)(ge)百(bai)分點；承(cheng)保(bao)(bao)利潤8.87億元，同(tong)比下降(jiang)7.3%。

　　“風(feng)險減量管(guan)理的(de)目標就(jiu)是大(da)災不一定(ding)有大(da)損、大(da)賠(pei)(pei)。臺風(feng)和(he)汛情(qing)發生后，市場預期今年公司的(de)賠(pei)(pei)付(fu)率會大(da)幅(fu)提高，綜合成本率也會上(shang)升。實際情(qing)況(kuang)是估損和(he)賠(pei)(pei)付(fu)比預期樂觀得多，這(zhe)就(jiu)是風(feng)險減量管(guan)理成果的(de)體現。”王廷科認為，從這(zhe)次(ci)應對(dui)“杜(du)蘇芮(rui)”臺風(feng)的(de)情(qing)況(kuang)來(lai)看，中(zhong)國人保風(feng)險減量管(guan)理的(de)成效非常顯著。

　　“防(fang)勝于賠(pei)(pei)”，風險減量管理(li)(li)已成為(wei)保險公司的(de)重要“內功”。為(wei)應(ying)(ying)對氣候變化風險，財(cai)險業充分運用(yong)物(wu)聯(lian)網平臺、衛星遙感等新(xin)技術，提升防(fang)災(zai)減損和理(li)(li)賠(pei)(pei)效(xiao)能。中國平安(an)(an)總經理(li)(li)謝(xie)永林在接受(shou)采訪時表(biao)示，平安(an)(an)一(yi)直有完整、敏捷(jie)的(de)應(ying)(ying)急(ji)管理(li)(li)機制(zhi)。截至8月(yue)4日，此次災(zai)害預(yu)警(jing)信息累計(ji)發出超過1.6億條。災(zai)情發生的(de)第一(yi)時間成立應(ying)(ying)急(ji)響應(ying)(ying)處理(li)(li)小組，快(kuai)速(su)(su)落實多項服(fu)務舉措(cuo)，包(bao)括開(kai)通快(kuai)速(su)(su)理(li)(li)賠(pei)(pei)綠色(se)通道，取消定點醫(yi)院限制(zhi)，開(kai)通特案預(yu)賠(pei)(pei)制(zhi)度、賠(pei)(pei)款(kuan)預(yu)賠(pei)(pei)快(kuai)速(su)(su)到賬、醫(yi)療費用(yong)墊(dian)付。

　　王廷科表示(shi)，中國人保通(tong)過引進16類氣象(xiang)預警數(shu)據，結合萬(wan)象(xiang)云數(shu)字化平臺，對全(quan)國各地(di)(di)的(de)氣象(xiang)預警崗實時(shi)推(tui)(tui)送預警信息。例如，在這(zhe)次抗擊“杜蘇(su)芮”臺風(feng)(feng)中，向(xiang)客(ke)戶推(tui)(tui)送風(feng)(feng)險提(ti)示(shi)904萬(wan)條。對1.3萬(wan)處內(nei)澇風(feng)(feng)險點和(he)1.4萬(wan)客(ke)戶開展風(feng)(feng)險排查(cha)；協(xie)助村民做(zuo)好農田水利設(she)施排查(cha)和(he)防災搶(qiang)收工(gong)作，對漳州、寧德等地(di)(di)33萬(wan)畝早稻開展搶(qiang)收。此外，中國人保還創新推(tui)(tui)廣“車掃掃”手機APP，第一時(shi)間提(ti)醒客(ke)戶及時(shi)移車、避免受(shou)損；為保定(ding)涿州定(ding)制開發了“水淹車客(ke)戶遠程電(dian)簽(qian)工(gong)具(ju)”，客(ke)戶無需(xu)到達現場，在線上即可進行電(dian)子簽(qian)名(ming)確認，讓群(qun)眾(zhong)在最短時(shi)間內(nei)得到保險賠付。

　　“中(zhong)(zhong)再集(ji)團(tuan)(tuan)高度關注(zhu)全(quan)球氣(qi)候變化(hua)(hua)風(feng)險，密切跟進市(shi)場動態，積(ji)極響應國際市(shi)場綠色金融需求，為(wei)(wei)國際業(ye)務客(ke)戶對低(di)碳經濟(ji)與行業(ye)的投入提供承保(bao)能力支(zhi)持(chi)(chi)。此外，我(wo)們進一(yi)步細化(hua)(hua)巨(ju)災(zai)(zai)累積(ji)管(guan)理，在業(ye)務策略(lve)和定價中(zhong)(zhong)充分(fen)考慮氣(qi)候變化(hua)(hua)趨勢(shi)影響，優化(hua)(hua)轉分(fen)安(an)排，并(bing)通過權限管(guan)理、條款(kuan)管(guan)理等加(jia)強風(feng)險管(guan)理與控制。”中(zhong)(zhong)再集(ji)團(tuan)(tuan)有關負責人認(ren)為(wei)(wei)，從全(quan)球看，巨(ju)災(zai)(zai)仍是高頻高損趨勢(shi)，并(bing)有向非常規巨(ju)災(zai)(zai)區(qu)域外溢、主要巨(ju)災(zai)(zai)與次級(ji)風(feng)險均呈增加(jia)趨勢(shi)，預期巨(ju)災(zai)(zai)業(ye)務費(fei)率(lv)將(jiang)持(chi)(chi)續(xu)保(bao)持(chi)(chi)上漲。中(zhong)(zhong)再集(ji)團(tuan)(tuan)將(jiang)加(jia)強市(shi)場研判，利用硬市(shi)場機遇爭(zheng)取(qu)費(fei)率(lv)提升與合(he)同條件優化(hua)(hua)，持(chi)(chi)續(xu)控制巨(ju)災(zai)(zai)風(feng)險責任累積(ji)，深化(hua)(hua)與優質(zhi)客(ke)戶合(he)作，力爭(zheng)進一(yi)步提升盈利空間。

　　9月6日，原銀保監會(hui)財產保險(xian)(xian)監管部副主(zhu)任陸玉華(hua)在(zai)(zai)第三屆國家災(zai)(zai)(zai)害(hai)治(zhi)理(li)(li)與風(feng)(feng)險(xian)(xian)保障論壇上表示，近年來商業(ye)保險(xian)(xian)正積(ji)極發(fa)揮(hui)(hui)風(feng)(feng)險(xian)(xian)補償的(de)(de)(de)(de)作(zuo)(zuo)用，助力國家社會(hui)治(zhi)理(li)(li)和(he)經濟社會(hui)的(de)(de)(de)(de)平穩運(yun)行(xing)，在(zai)(zai)災(zai)(zai)(zai)害(hai)治(zhi)理(li)(li)中的(de)(de)(de)(de)滲透度(du)越來越深。一(yi)是保險(xian)(xian)在(zai)(zai)防災(zai)(zai)(zai)減(jian)(jian)(jian)災(zai)(zai)(zai)服(fu)(fu)務(wu)(wu)中發(fa)揮(hui)(hui)出新(xin)(xin)的(de)(de)(de)(de)效(xiao)(xiao)能(neng)，建(jian)立大災(zai)(zai)(zai)理(li)(li)賠新(xin)(xin)模(mo)式，在(zai)(zai)大災(zai)(zai)(zai)面前體(ti)(ti)現(xian)(xian)保險(xian)(xian)速度(du)，同時發(fa)揮(hui)(hui)社會(hui)治(zhi)理(li)(li)新(xin)(xin)功(gong)效(xiao)(xiao)，在(zai)(zai)大災(zai)(zai)(zai)面前體(ti)(ti)現(xian)(xian)保險(xian)(xian)溫(wen)度(du)。二是風(feng)(feng)險(xian)(xian)減(jian)(jian)(jian)量服(fu)(fu)務(wu)(wu)工作(zuo)(zuo)打開(kai)新(xin)(xin)局(ju)面，保險(xian)(xian)觀念在(zai)(zai)扭轉，風(feng)(feng)險(xian)(xian)減(jian)(jian)(jian)量意(yi)識在(zai)(zai)提升；科技手段在(zai)(zai)融(rong)合(he)，風(feng)(feng)險(xian)(xian)減(jian)(jian)(jian)量功(gong)能(neng)在(zai)(zai)增強；服(fu)(fu)務(wu)(wu)成效(xiao)(xiao)初(chu)體(ti)(ti)現(xian)(xian)，風(feng)(feng)險(xian)(xian)減(jian)(jian)(jian)量局(ju)面已打開(kai)。