中(zhong)國(guo)銀保監會副主席黃(huang)洪　本報記者 車亮/攝(she)

　　中證(zheng)網訊(xun)（記者 歐陽(yang)劍環 陳瑩(ying)瑩(ying)）銀保(bao)(bao)監(jian)會副主席黃洪(hong)22日在(zai)國新(xin)辦新(xin)聞發(fa)布會上(shang)介紹，下一步(bu)，銀保(bao)(bao)監(jian)會將引領和推(tui)動保(bao)(bao)險業(ye)進(jin)一步(bu)發(fa)揮作用，助力“六(liu)保(bao)(bao)”。

　　具體來(lai)看，一是(shi)(shi)加(jia)(jia)大(da)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)供(gong)(gong)給，支持(chi)(chi)(chi)企業(ye)(ye)(ye)(ye)(ye)復(fu)(fu)工(gong)復(fu)(fu)產(chan)(chan)。積(ji)極(ji)對接(jie)社(she)會保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)需(xu)求，加(jia)(jia)大(da)健康險(xian)(xian)(xian)特別是(shi)(shi)醫療險(xian)(xian)(xian)產(chan)(chan)品(pin)的供(gong)(gong)給力(li)度。推廣(guang)“海(hai)南復(fu)(fu)工(gong)復(fu)(fu)產(chan)(chan)企業(ye)(ye)(ye)(ye)(ye)疫情防控綜合保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)”等創(chuang)新(xin)產(chan)(chan)品(pin)，促進(jin)(jin)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈協同復(fu)(fu)工(gong)復(fu)(fu)產(chan)(chan)。二是(shi)(shi)發(fa)揮保(bao)(bao)(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)融(rong)資增信功(gong)能，增強對小(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)的信貸(dai)支持(chi)(chi)(chi)力(li)度，紓解小(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)的資金壓(ya)力(li)，進(jin)(jin)一步降低小(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)融(rong)資成本。三是(shi)(shi)加(jia)(jia)大(da)農業(ye)(ye)(ye)(ye)(ye)生(sheng)產(chan)(chan)的保(bao)(bao)(bao)(bao)(bao)(bao)障支持(chi)(chi)(chi)。推進(jin)(jin)農業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)提(ti)標擴面(mian)增品(pin)，完善三大(da)主糧大(da)災保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機制和(he)(he)(he)生(sheng)豬政(zheng)策性保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)制度，支持(chi)(chi)(chi)農業(ye)(ye)(ye)(ye)(ye)生(sheng)產(chan)(chan)和(he)(he)(he)重(zhong)要(yao)副食品(pin)穩價保(bao)(bao)(bao)(bao)(bao)(bao)供(gong)(gong)。四是(shi)(shi)支持(chi)(chi)(chi)投(tou)(tou)資出口，積(ji)極(ji)保(bao)(bao)(bao)(bao)(bao)(bao)障經濟穩定運行，圍繞國(guo)家重(zhong)大(da)工(gong)程等加(jia)(jia)大(da)風險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障，支持(chi)(chi)(chi)傳統(tong)基礎設(she)施(shi)和(he)(he)(he)新(xin)型基礎設(she)施(shi)建設(she)。大(da)力(li)發(fa)展出口信用保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，為(wei)出口企業(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)駕(jia)護航。積(ji)極(ji)推動“一帶一路”保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，為(wei)“一帶一路”沿線國(guo)家和(he)(he)(he)中資企業(ye)(ye)(ye)(ye)(ye)海(hai)外(wai)機構提(ti)供(gong)(gong)風險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障。五(wu)是(shi)(shi)發(fa)揮保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)資金運用形式多(duo)樣的優(you)勢，加(jia)(jia)大(da)重(zhong)點行業(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)領域的投(tou)(tou)資力(li)度，為(wei)經濟發(fa)展提(ti)供(gong)(gong)資金支持(chi)(chi)(chi)。六是(shi)(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)代理人隊(dui)伍的發(fa)展，吸(xi)納勞動力(li)，提(ti)供(gong)(gong)更多(duo)就業(ye)(ye)(ye)(ye)(ye)崗位。

　　黃洪表示，當(dang)前國(guo)際疫(yi)情(qing)持續蔓延，世界(jie)經濟(ji)下(xia)(xia)行(xing)(xing)壓(ya)力加(jia)(jia)大(da)。國(guo)內復工復產(chan)以及(ji)經濟(ji)社會發(fa)展(zhan)面臨(lin)新(xin)的(de)(de)困難和(he)挑戰，保(bao)險業(ye)發(fa)展(zhan)也(ye)不(bu)例(li)外，面臨(lin)的(de)(de)不(bu)確定(ding)不(bu)穩定(ding)因素顯(xian)著增(zeng)(zeng)(zeng)加(jia)(jia)，業(ye)務發(fa)展(zhan)承(cheng)(cheng)受巨大(da)的(de)(de)壓(ya)力。影(ying)響主要(yao)是三方面：一是保(bao)險業(ye)務增(zeng)(zeng)(zeng)長(chang)承(cheng)(cheng)壓(ya)，疫(yi)情(qing)導致生產(chan)生活驟降(jiang)(jiang)，經濟(ji)下(xia)(xia)行(xing)(xing)壓(ya)力加(jia)(jia)大(da)，保(bao)險經營(ying)活動受到了(le)(le)(le)制(zhi)約，業(ye)務增(zeng)(zeng)(zeng)長(chang)承(cheng)(cheng)壓(ya)。2020年一季度，保(bao)險業(ye)原保(bao)險保(bao)費收入是1.67萬億，同比(bi)僅增(zeng)(zeng)(zeng)長(chang)了(le)(le)(le)2.3%，增(zeng)(zeng)(zeng)幅(fu)(fu)同比(bi)下(xia)(xia)降(jiang)(jiang)了(le)(le)(le)13.6個(ge)(ge)百(bai)分(fen)(fen)(fen)(fen)點。其(qi)中，財產(chan)險增(zeng)(zeng)(zeng)幅(fu)(fu)同比(bi)下(xia)(xia)降(jiang)(jiang)了(le)(le)(le)7.7個(ge)(ge)百(bai)分(fen)(fen)(fen)(fen)點，人身險增(zeng)(zeng)(zeng)幅(fu)(fu)同比(bi)下(xia)(xia)降(jiang)(jiang)了(le)(le)(le)15.22個(ge)(ge)百(bai)分(fen)(fen)(fen)(fen)點。二是公司經營(ying)波動加(jia)(jia)大(da)，部(bu)分(fen)(fen)(fen)(fen)企業(ye)和(he)個(ge)(ge)人收入減少，還款(kuan)能力下(xia)(xia)降(jiang)(jiang)，違約率增(zeng)(zeng)(zeng)加(jia)(jia)。比(bi)如，信用(yong)(yong)保(bao)證(zheng)保(bao)險賠付率一季度呈大(da)幅(fu)(fu)上升趨勢(shi)。意(yi)外險和(he)健康險、農(nong)險、營(ying)業(ye)中斷險和(he)延遲取消類保(bao)險等業(ye)務賠付增(zeng)(zeng)(zeng)長(chang)較快(kuai)。另外，全(quan)球資(zi)本市場波動加(jia)(jia)劇，保(bao)險投(tou)資(zi)收益不(bu)穩定(ding)性增(zeng)(zeng)(zeng)強。三是經營(ying)成本有所上升。疫(yi)情(qing)期(qi)間，保(bao)險公司各項費用(yong)(yong)支出將明顯(xian)上升，成本攤銷進一步增(zeng)(zeng)(zeng)加(jia)(jia)。

　　“疫情沖擊既(ji)給保險(xian)(xian)(xian)(xian)業(ye)(ye)帶來(lai)了一定挑戰，也帶來(lai)一些有利因(yin)素。”黃洪表示(shi)，從(cong)宏(hong)觀環(huan)境來(lai)看(kan)(kan)，各項支持復工(gong)復產(chan)、擴大(da)內需和居民(min)消費、加(jia)快(kuai)脫貧攻堅(jian)、維護(hu)金融市場穩(wen)定政(zheng)策措施陸續出臺，疫情對(dui)經(jing)濟(ji)社(she)會(hui)發展(zhan)的(de)負面影響將(jiang)(jiang)逐步減弱。我國經(jing)濟(ji)穩(wen)中(zhong)向好(hao)、長期向好(hao)的(de)基(ji)本趨(qu)勢(shi)沒(mei)有改變，同(tong)時社(she)會(hui)風(feng)險(xian)(xian)(xian)(xian)意(yi)(yi)識(shi)、群眾(zhong)保險(xian)(xian)(xian)(xian)意(yi)(yi)識(shi)將(jiang)(jiang)得(de)到顯著提(ti)高，對(dui)保險(xian)(xian)(xian)(xian)功(gong)能(neng)作(zuo)用的(de)認識(shi)將(jiang)(jiang)進一步加(jia)深(shen)，保險(xian)(xian)(xian)(xian)保障需求將(jiang)(jiang)持續增(zeng)長，這是一個大(da)趨(qu)勢(shi)。從(cong)產(chan)業(ye)(ye)循環(huan)來(lai)看(kan)(kan)，4月中(zhong)旬全國規模以上(shang)企業(ye)(ye)平(ping)均開工(gong)率(lv)達到99%，國家(jia)重大(da)工(gong)程和基(ji)礎設(she)(she)施建設(she)(she)穩(wen)步開展(zhan)，公共衛生(sheng)、應急物資保障等產(chan)業(ye)(ye)加(jia)大(da)投入，5G網絡、數據中(zhong)心等新(xin)(xin)型基(ji)礎設(she)(she)施建設(she)(she)加(jia)快(kuai)推進。新(xin)(xin)型消費形態培(pei)育壯大(da)，釋(shi)放(fang)出新(xin)(xin)的(de)保險(xian)(xian)(xian)(xian)需求，保險(xian)(xian)(xian)(xian)業(ye)(ye)將(jiang)(jiang)獲(huo)得(de)更大(da)的(de)發展(zhan)空間。從(cong)行(xing)(xing)業(ye)(ye)自身來(lai)看(kan)(kan)，目(mu)前保險(xian)(xian)(xian)(xian)業(ye)(ye)償付能(neng)力充足，流(liu)(liu)動性穩(wen)定，今年保險(xian)(xian)(xian)(xian)業(ye)(ye)雖然業(ye)(ye)務(wu)(wu)發展(zhan)速(su)度比去年同(tong)期增(zeng)速(su)有比較大(da)的(de)放(fang)緩，但是現金流(liu)(liu)狀況由于(yu)業(ye)(ye)務(wu)(wu)結(jie)構(gou)的(de)調(diao)整，現階段得(de)到了明顯好(hao)轉，凈現金流(liu)(liu)入大(da)幅度增(zeng)加(jia)，具備較好(hao)的(de)抗沖擊能(neng)力。疫情推動了行(xing)(xing)業(ye)(ye)加(jia)快(kuai)管理(li)創(chuang)新(xin)(xin)和科技創(chuang)新(xin)(xin)，轉變經(jing)營模式，提(ti)升(sheng)管理(li)效率(lv)，提(ti)升(sheng)科技化和線上(shang)化水平(ping)，行(xing)(xing)業(ye)(ye)競爭能(neng)力將(jiang)(jiang)繼續提(ti)升(sheng)，更好(hao)地滿足經(jing)濟(ji)社(she)會(hui)發展(zhan)的(de)保險(xian)(xian)(xian)(xian)保障需求。