十二(er)屆全國(guo)人(ren)大四次會(hui)(hui)議新聞(wen)中(zhong)心于3月(yue)12日(星期六)16時15分(fen)在梅地(di)亞中(zhong)心多功能(neng)廳舉行(xing)(xing)記者會(hui)(hui),邀請中(zhong)國(guo)銀行(xing)(xing)業監督(du)管(guan)理(li)委(wei)員(yuan)會(hui)(hui)主(zhu)席尚福(fu)林、中(zhong)國(guo)證券監督(du)管(guan)理(li)委(wei)員(yuan)會(hui)(hui)主(zhu)席劉士余、中(zhong)國(guo)保險(xian)監督(du)管(guan)理(li)委(wei)員(yuan)會(hui)(hui)主(zhu)席項俊波(bo)回答中(zhong)外記者的提問(wen)。
法制日報法制網記者:我(wo)想(xiang)(xiang)問一下保監(jian)會(hui)(hui)(hui)的(de)(de)項主席(xi),剛才注意到(dao)您在開場白(bai)時說這次的(de)(de)《政府工(gong)(gong)作(zuo)報告(gao)》中有(you)六(liu)次提到(dao)了保險,而且這次“兩會(hui)(hui)(hui)”期間有(you)一個(ge)代(dai)表委員們熱議(yi)的(de)(de)話題,就是扶(fu)貧(pin)。我(wo)們想(xiang)(xiang)知道(dao)在扶(fu)貧(pin)工(gong)(gong)作(zuo)中怎么(me)樣發(fa)揮保險業(ye)兜(dou)底社會(hui)(hui)(hui)保障、服(fu)務社會(hui)(hui)(hui)方(fang)面(mian)的(de)(de)作(zuo)用,保監(jian)會(hui)(hui)(hui)會(hui)(hui)(hui)不會(hui)(hui)(hui)有(you)這方(fang)面(mian)的(de)(de)打算?下一步(bu)我(wo)們會(hui)(hui)(hui)采取(qu)什(shen)么(me)樣的(de)(de)措施?
項俊波:謝(xie)謝(xie)你(ni)對保(bao)險和(he)扶(fu)貧(pin)(pin)(pin)工(gong)(gong)作(zuo)的(de)(de)關注。“十三(san)五”規劃綱要和(he)《政府(fu)工(gong)(gong)作(zuo)報(bao)告》中都提出要打贏脫(tuo)貧(pin)(pin)(pin)攻堅戰(zhan)。做好扶(fu)貧(pin)(pin)(pin)工(gong)(gong)作(zuo)也(ye)是(shi)(shi)保(bao)險業(ye)的(de)(de)一項重大政治(zhi)任務(wu),因為保(bao)險業(ye)本身就是(shi)(shi)一個扶(fu)危濟困(kun)的(de)(de)行業(ye),直接面向的(de)(de)是(shi)(shi)最(zui)廣大的(de)(de)貧(pin)(pin)(pin)困(kun)人口和(he)社會弱勢群(qun)體。在(zai)精準扶(fu)貧(pin)(pin)(pin)上有所作(zuo)為,我們考慮可以從(cong)四(si)個方面做好工(gong)(gong)作(zuo):一是(shi)(shi)大病扶(fu)貧(pin)(pin)(pin),二是(shi)(shi)農險扶(fu)貧(pin)(pin)(pin),三(san)是(shi)(shi)補位扶(fu)貧(pin)(pin)(pin),四(si)是(shi)(shi)產業(ye)扶(fu)貧(pin)(pin)(pin)。
大(da)(da)(da)病(bing)(bing)(bing)扶貧(pin)(pin)(pin)(pin)。我(wo)們國家(jia)7000萬貧(pin)(pin)(pin)(pin)困人(ren)口當中(zhong)(zhong),因(yin)病(bing)(bing)(bing)致(zhi)貧(pin)(pin)(pin)(pin)的(de)占到了42%,這個比(bi)例(li)是(shi)比(bi)較高的(de)。有(you)1000多萬人(ren)患有(you)慢性病(bing)(bing)(bing)或者大(da)(da)(da)病(bing)(bing)(bing)。在五大(da)(da)(da)致(zhi)貧(pin)(pin)(pin)(pin)的(de)原因(yin)中(zhong)(zhong),大(da)(da)(da)病(bing)(bing)(bing)致(zhi)貧(pin)(pin)(pin)(pin)占了首位,一(yi)(yi)些家(jia)庭“十年(nian)努力奔小康,一(yi)(yi)場(chang)大(da)(da)(da)病(bing)(bing)(bing)全泡湯”,所(suo)以大(da)(da)(da)病(bing)(bing)(bing)保險是(shi)解(jie)決因(yin)病(bing)(bing)(bing)致(zhi)貧(pin)(pin)(pin)(pin)、返貧(pin)(pin)(pin)(pin)的(de)有(you)效(xiao)途徑。作為保險行(xing)業的(de)每一(yi)(yi)個員工都要(yao)帶(dai)著(zhu)(zhu)感情(qing)、帶(dai)著(zhu)(zhu)愛心去做好大(da)(da)(da)病(bing)(bing)(bing)保險工作,有(you)效(xiao)避(bi)免一(yi)(yi)人(ren)得病(bing)(bing)(bing)全家(jia)致(zhi)貧(pin)(pin)(pin)(pin),防(fang)止脫貧(pin)(pin)(pin)(pin)后一(yi)(yi)人(ren)得病(bing)(bing)(bing)全家(jia)返貧(pin)(pin)(pin)(pin)。
我(wo)們有一(yi)個數據,到去年(nian)年(nian)底,全(quan)國大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)保(bao)(bao)險(xian)(xian)已經(jing)覆蓋(gai)了(le)(le)城鄉居(ju)民9.2億(yi)人,加(jia)上基本醫(yi)(yi)保(bao)(bao)經(jing)辦機構承保(bao)(bao)了(le)(le)大(da)(da)概1.3億(yi)人,目前大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)保(bao)(bao)險(xian)(xian)已經(jing)在全(quan)國實現了(le)(le)全(quan)覆蓋(gai),有345萬大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)患者直接(jie)受益(yi),報(bao)(bao)銷額度普(pu)遍比(bi)原(yuan)來(lai)提(ti)高了(le)(le)10-15個百分點(dian)。尤其是(shi)大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)保(bao)(bao)險(xian)(xian)為貧(pin)困家庭帶來(lai)了(le)(le)希望,比(bi)如說去年(nian)湖北通山縣(xian)一(yi)位(wei)農村的(de)小(xiao)姑(gu)娘得了(le)(le)白血病(bing)(bing)(bing)(bing)(bing)(bing),要骨髓移(yi)植(zhi),手(shou)術費一(yi)共花了(le)(le)100萬,基本醫(yi)(yi)保(bao)(bao)報(bao)(bao)銷了(le)(le)10萬元,大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)保(bao)(bao)險(xian)(xian)給她報(bao)(bao)銷了(le)(le)69萬,報(bao)(bao)銷額度就從原(yuan)來(lai)的(de)10%提(ti)高到了(le)(le)70%,從而(er)避免了(le)(le)這個家庭因為大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)陷入貧(pin)困。這是(shi)大(da)(da)病(bing)(bing)(bing)(bing)(bing)(bing)扶(fu)貧(pin)。
農(nong)(nong)險(xian)(xian)扶貧(pin)(pin)。我們的(de)(de)(de)(de)(de)貧(pin)(pin)困(kun)人口絕大(da)部分生(sheng)活在農(nong)(nong)村(cun)(cun),以(yi)(yi)農(nong)(nong)業(ye)為(wei)主要(yao)生(sheng)活來(lai)源,農(nong)(nong)業(ye)保(bao)(bao)險(xian)(xian)可以(yi)(yi)有效地(di)增強農(nong)(nong)民的(de)(de)(de)(de)(de)抗(kang)風(feng)(feng)險(xian)(xian)能力,防止因災致貧(pin)(pin)、返(fan)貧(pin)(pin)。2012年(nian)以(yi)(yi)來(lai),農(nong)(nong)業(ye)保(bao)(bao)險(xian)(xian)一共為(wei)8.7億(yi)戶(hu)農(nong)(nong)戶(hu)提供了風(feng)(feng)險(xian)(xian)保(bao)(bao)障5.9萬億(yi)元(yuan),農(nong)(nong)業(ye)保(bao)(bao)險(xian)(xian)承保(bao)(bao)主要(yao)農(nong)(nong)作(zuo)物14.5億(yi)畝,占(zhan)整(zheng)個農(nong)(nong)村(cun)(cun)播種(zhong)面積(ji)的(de)(de)(de)(de)(de)59%,其中水稻、小麥、玉米三(san)大(da)主產糧覆蓋面超過(guo)了70%,森林保(bao)(bao)險(xian)(xian)承保(bao)(bao)面積(ji)達到了21.8億(yi)畝,占(zhan)整(zheng)個全國(guo)森林總面積(ji)的(de)(de)(de)(de)(de)70%。特別是農(nong)(nong)村(cun)(cun)的(de)(de)(de)(de)(de)農(nong)(nong)村(cun)(cun)農(nong)(nong)房(fang)保(bao)(bao)險(xian)(xian)已經覆蓋了全國(guo)所有的(de)(de)(de)(de)(de)城市,參保(bao)(bao)農(nong)(nong)房(fang)9358萬間(jian),提供的(de)(de)(de)(de)(de)風(feng)(feng)險(xian)(xian)保(bao)(bao)障達到1.4萬億(yi)元(yuan)。
上周我參(can)加甘肅(su)代表團討論,甘肅(su)的(de)(de)(de)(de)(de)(de)農(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)是(shi)做(zuo)得比較(jiao)好的(de)(de)(de)(de)(de)(de),不(bu)光保(bao)(bao)(bao)了(le)(le)農(nong)作物,而(er)且解決了(le)(le)甘肅(su)的(de)(de)(de)(de)(de)(de)中藥(yao)材等特色(se)農(nong)產品(pin)的(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)險(xian)(xian)問題。開始(shi)農(nong)民(min)都不(bu)愿(yuan)意種,怕(pa)沒有保(bao)(bao)(bao)障(zhang),經過(guo)農(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian),帶動(dong)了(le)(le)十(shi)幾(ji)萬(wan)個家庭(ting)種植中藥(yao)材,為農(nong)民(min)脫(tuo)貧增(zeng)收提供了(le)(le)保(bao)(bao)(bao)障(zhang)。從國際上看,美國第二大支(zhi)農(nong)項(xiang)目就是(shi)農(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian),占整個支(zhi)農(nong)預算的(de)(de)(de)(de)(de)(de)8%。當(dang)前我國的(de)(de)(de)(de)(de)(de)農(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)只能覆蓋(gai)農(nong)藥(yao)、化肥、種子等14項(xiang)物化成本,下一步我們將(jiang)不(bu)斷提高(gao)保(bao)(bao)(bao)障(zhang)標準,增(zeng)加保(bao)(bao)(bao)障(zhang)品(pin)種,把土地流轉和(he)勞(lao)動(dong)力的(de)(de)(de)(de)(de)(de)成本也覆蓋(gai)進來(lai)。
補位扶貧(pin)。就(jiu)是(shi)要(yao)(yao)抓(zhua)住短板,關注和抓(zhua)住社會的痛點和盲(mang)區。比如(ru)在服(fu)務(wu)開發與資源投入上,向(xiang)社會貧(pin)困(kun)和基(ji)層人(ren)(ren)群(qun)傾斜(xie),比如(ru)失獨老人(ren)(ren)、留(liu)守兒(er)童(tong)、殘疾人(ren)(ren)士,針對這些(xie)人(ren)(ren)群(qun)專門推(tui)出(chu)新的保(bao)(bao)險服(fu)務(wu)。比如(ru)我們現(xian)在專門為農(nong)民(min)工和農(nong)村居民(min)、城鎮低收(shou)入群(qun)體推(tui)出(chu)的小額(e)人(ren)(ren)身保(bao)(bao)險,每個(ge)人(ren)(ren)每年只交15—25元錢(qian),如(ru)果出(chu)現(xian)了意外(wai)(wai)事故可(ke)以賠2—3萬元錢(qian)。去年承保(bao)(bao)覆蓋的農(nong)民(min)工達到了9000萬人(ren)(ren),主要(yao)(yao)承保(bao)(bao)打工族外(wai)(wai)意外(wai)(wai)傷(shang)害、意外(wai)(wai)傷(shang)殘,總保(bao)(bao)額(e)超過了1.4萬億(yi)元,去年一共賠付了13個(ge)億(yi)。
產業扶(fu)貧(pin)。比如我(wo)們發展小(xiao)額貸款(kuan)的(de)保(bao)(bao)證(zheng)保(bao)(bao)險(xian),為困難群眾脫貧(pin)致富提供(gong)資金支持。寧波這方(fang)面(mian)做得(de)比較(jiao)好,市政府出資3500萬撬動了小(xiao)微企業和個人貸款(kuan)100多個億,財政資金的(de)效(xiao)用被(bei)放大300倍(bei)。我(wo)們還在(zai)積(ji)極(ji)探(tan)索農業保(bao)(bao)險(xian)加農業信(xin)貸等信(xin)貸扶(fu)貧(pin)模式,以及扶(fu)貧(pin)小(xiao)額貸款(kuan)保(bao)(bao)證(zheng)保(bao)(bao)險(xian),來帶動所有保(bao)(bao)險(xian)公司參(can)與扶(fu)貧(pin)的(de)積(ji)極(ji)性。
中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)聲明(ming):凡本網(wang)(wang)(wang)(wang)(wang)注(zhu)明(ming)“來源:中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)”的所有(you)作(zuo)(zuo)品,版(ban)權均(jun)屬于中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)、中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)。中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)與作(zuo)(zuo)品作(zuo)(zuo)者(zhe)聯合聲明(ming),任何(he)組織未經(jing)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)、中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)以及作(zuo)(zuo)者(zhe)書面授權不得轉(zhuan)載、摘編或(huo)利用(yong)其(qi)(qi)它(ta)方式(shi)使用(yong)上(shang)述(shu)作(zuo)(zuo)品。凡本網(wang)(wang)(wang)(wang)(wang)注(zhu)明(ming)來源非中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)證(zheng)(zheng)(zheng)(zheng)券(quan)(quan)報(bao)·中(zhong)(zhong)(zhong)(zhong)(zhong)證(zheng)(zheng)(zheng)(zheng)網(wang)(wang)(wang)(wang)(wang)的作(zuo)(zuo)品,均(jun)轉(zhuan)載自其(qi)(qi)它(ta)媒體(ti),轉(zhuan)載目的在(zai)于更(geng)好服務讀者(zhe)、傳遞信息之需,并不代表本網(wang)(wang)(wang)(wang)(wang)贊同其(qi)(qi)觀(guan)點,本網(wang)(wang)(wang)(wang)(wang)亦不對(dui)其(qi)(qi)真實性負責,持異議者(zhe)應(ying)與原出(chu)處單(dan)位主張權利。
特別鏈接:政府部門交易機構證券期貨四所兩司新聞發布平臺友情鏈接版權聲明
關于報社關于本站廣告發布免責條款
中國證券報社版權所有,未經書面授權不得復制或建立鏡像 經營許可證編號:京B2-20180749 京公網安備0-1
Copyright 2001-2018 China Securities Journal. All Rights Reserved
中(zhong)國(guo)證(zheng)券(quan)報社(she)版權(quan)所有(you),未經書(shu)面授(shou)權(quan)不得復制(zhi)或建立鏡像
經營許可證編號(hao):京B2-20180749 京公(gong)網安(an)備0-1
Copyright 2001-2018 China Securities Journal. All Rights Reserved