中(zhong)(zhong)證(zheng)網訊（記者(zhe) 趙白(bai)執(zhi)南）北京(jing)(jing)銀保(bao)(bao)(bao)監局中(zhong)(zhong)介(jie)(jie)(jie)(jie)處副(fu)處長(chang)于濤9月29日在(zai)(zai)北京(jing)(jing)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)中(zhong)(zhong)介(jie)(jie)(jie)(jie)行業服務實體經(jing)濟發(fa)展(zhan)專(zhuan)題發(fa)布會上(shang)表示，近年(nian)來，北京(jing)(jing)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)中(zhong)(zhong)介(jie)(jie)(jie)(jie)行業整(zheng)體保(bao)(bao)(bao)持平穩發(fa)展(zhan)態勢(shi)。截至8月末，轄內共有保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)業中(zhong)(zhong)介(jie)(jie)(jie)(jie)法人機(ji)構(gou)386家、兼業代理機(ji)構(gou)1800余家，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司和中(zhong)(zhong)介(jie)(jie)(jie)(jie)機(ji)構(gou)執(zhi)業登記從業人員約20萬(wan)人，機(ji)構(gou)種類齊全，經(jing)營狀況整(zheng)體良好。其中(zhong)(zhong)，各保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)業中(zhong)(zhong)介(jie)(jie)(jie)(jie)法人資產總(zong)計(ji)達到354億元，占全國專(zhuan)業中(zhong)(zhong)介(jie)(jie)(jie)(jie)總(zong)資產的四分之一。在(zai)(zai)京(jing)(jing)各保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司通(tong)過中(zhong)(zhong)介(jie)(jie)(jie)(jie)渠(qu)道實現保(bao)(bao)(bao)費(fei)收入占總(zong)保(bao)(bao)(bao)費(fei)的85%以上(shang)，中(zhong)(zhong)介(jie)(jie)(jie)(jie)行業的銷售主渠(qu)道作用突出。

　　“保(bao)(bao)(bao)險中(zhong)(zhong)(zhong)介(jie)包(bao)括(kuo)經紀(ji)、代(dai)(dai)理、公估三類(lei)專(zhuan)業中(zhong)(zhong)(zhong)介(jie)機構，以及兼業代(dai)(dai)理機構和(he)個人代(dai)(dai)理人等各類(lei)主體。”于濤(tao)介(jie)紹，一(yi)方面，保(bao)(bao)(bao)險中(zhong)(zhong)(zhong)介(jie)更加(jia)貼近市場、了(le)解客戶，可以以投(tou)(tou)保(bao)(bao)(bao)人需求為(wei)中(zhong)(zhong)(zhong)心(xin)，聯(lian)合(he)保(bao)(bao)(bao)險公司定制(zhi)及創(chuang)新個性(xing)化、差異化的(de)保(bao)(bao)(bao)險產品和(he)保(bao)(bao)(bao)障(zhang)方案，有(you)效解決部分領域風險保(bao)(bao)(bao)障(zhang)欠(qian)缺或不足問題，以及為(wei)投(tou)(tou)保(bao)(bao)(bao)人節約(yue)運營成本。例如，英(ying)大長安保(bao)(bao)(bao)險經紀(ji)公司結合(he)采(cai)購(gou)交(jiao)易具體場景(jing)，聯(lian)合(he)保(bao)(bao)(bao)險公司創(chuang)新研發了(le)投(tou)(tou)標(biao)(biao)(biao)保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險來(lai)(lai)替代(dai)(dai)傳(chuan)統的(de)保(bao)(bao)(bao)證(zheng)(zheng)金保(bao)(bao)(bao)函(han)模(mo)式。如企業參加(jia)某(mou)個項目(mu)投(tou)(tou)標(biao)(biao)(biao)，傳(chuan)統模(mo)式下，需繳納(na)數萬至數十萬元(yuan)(yuan)的(de)保(bao)(bao)(bao)證(zheng)(zheng)金且凍結3個月；新模(mo)式下，只需通過線上(shang)渠道花(hua)費約(yue)500元(yuan)(yuan)購(gou)買(mai)一(yi)份保(bao)(bao)(bao)險即可。三年來(lai)(lai)，上(shang)述投(tou)(tou)標(biao)(biao)(biao)保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險已(yi)累計出具保(bao)(bao)(bao)單60余萬份，為(wei)參與投(tou)(tou)標(biao)(biao)(biao)企業釋放保(bao)(bao)(bao)證(zheng)(zheng)金近900億元(yuan)(yuan)，顯著減少企業特別是小(xiao)微(wei)企業的(de)資金占用(yong)和(he)費用(yong)支(zhi)出。

　　另(ling)一方面(mian)，保(bao)(bao)險中(zhong)介(jie)可以(yi)以(yi)第(di)三方專業中(zhong)立的視角，在投保(bao)(bao)前(qian)提(ti)供(gong)(gong)(gong)風(feng)險分析、保(bao)(bao)險配(pei)置等(deng)顧問(wen)服(fu)(fu)(fu)務(wu)，幫助投保(bao)(bao)人(ren)減少信息(xi)不對稱、選擇適當(dang)的保(bao)(bao)險產品；在投保(bao)(bao)后提(ti)供(gong)(gong)(gong)風(feng)險預防(fang)、災(zai)害治(zhi)理等(deng)風(feng)險管理服(fu)(fu)(fu)務(wu)，幫助投保(bao)(bao)人(ren)提(ti)高保(bao)(bao)險保(bao)(bao)障質效(xiao)(xiao)、降低風(feng)險損失。例如，轄(xia)內保(bao)(bao)險經紀公司參與北京(jing)(jing)市安責險項目運(yun)營，在組織(zhi)企業投保(bao)(bao)不斷擴大(da)保(bao)(bao)障覆蓋面(mian)同時(shi)，通(tong)過制定(ding)事(shi)故隱(yin)患(huan)(huan)排查(cha)(cha)標準、組織(zhi)安全(quan)技術服(fu)(fu)(fu)務(wu)機(ji)構(gou)為參保(bao)(bao)企業提(ti)供(gong)(gong)(gong)免(mian)費隱(yin)患(huan)(huan)排查(cha)(cha)服(fu)(fu)(fu)務(wu)等(deng)多種措施，有(you)效(xiao)(xiao)減少安全(quan)風(feng)險隱(yin)患(huan)(huan)。至今已(yi)累計為在京(jing)(jing)的35萬家次(ci)企業提(ti)供(gong)(gong)(gong)了現(xian)場隱(yin)患(huan)(huan)排查(cha)(cha)服(fu)(fu)(fu)務(wu)，排查(cha)(cha)發現(xian)各類隱(yin)患(huan)(huan)68萬處(chu)，參保(bao)(bao)企業事(shi)故率由(you)2016年(nian)的7.59%下降至2022年(nian)的4.46%，據(ju)初(chu)步估算，有(you)效(xiao)(xiao)避(bi)免(mian)事(shi)故近2200起，為首都安全(quan)生產形勢(shi)持續穩定(ding)提(ti)供(gong)(gong)(gong)了有(you)力支持。

　　于(yu)濤(tao)透(tou)露，下一步，北(bei)京銀(yin)保(bao)監(jian)局將堅持(chi)防(fang)風險治(zhi)(zhi)亂象，綜合運用許可(ke)證(zheng)換發(fa)審(shen)核、非現場風險監(jian)測和處置、現場檢查(cha)調查(cha)等(deng)措(cuo)施，持(chi)續推(tui)(tui)(tui)進轄(xia)內保(bao)險中介機構(gou)清(qing)虛工(gong)作(zuo)(zuo)和亂象整(zheng)治(zhi)(zhi)工(gong)作(zuo)(zuo)，前瞻有(you)(you)效防(fang)控風險隱患；引(yin)導保(bao)險專業(ye)中介機構(gou)專業(ye)化發(fa)展(zhan)；深化保(bao)險兼(jian)業(ye)代理(li)(li)市場改革發(fa)展(zhan)，穩(wen)妥推(tui)(tui)(tui)進保(bao)險兼(jian)業(ye)代理(li)(li)機構(gou)許可(ke)證(zheng)換發(fa)工(gong)作(zuo)(zuo)，進一步推(tui)(tui)(tui)進非金融類兼(jian)業(ye)代理(li)(li)管(guan)理(li)(li)制度改革，壓緊壓實保(bao)險公司對(dui)中介渠道的(de)管(guan)控責任；推(tui)(tui)(tui)動(dong)從業(ye)人員隊伍有(you)(you)序發(fa)展(zhan)，強化從業(ye)人員執(zhi)業(ye)登記管(guan)理(li)(li)，加強數(shu)據治(zhi)(zhi)理(li)(li)和規則治(zhi)(zhi)理(li)(li)，推(tui)(tui)(tui)動(dong)中介機構(gou)夯實發(fa)展(zhan)基礎。