2013年(nian)，面對錯綜復雜和(he)極為困(kun)難(nan)的形勢(shi)，保險(xian)業(ye)積極進取，開(kai)拓(tuo)創(chuang)新，行(xing)業(ye)發展(zhan)呈現“穩(wen)中(zhong)有進、進中(zhong)向好”的良好態勢(shi)。

　　一是業(ye)(ye)(ye)務(wu)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)平(ping)穩(wen)(wen)(wen)回升(sheng)(sheng)。全(quan)年(nian)實(shi)現保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入1.72萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)11.2%，比(bi)(bi)上(shang)(shang)年(nian)提(ti)高3.2個(ge)(ge)百(bai)分點(dian)，扭轉(zhuan)了(le)(le)(le)業(ye)(ye)(ye)務(wu)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)速連續(xu)下滑(hua)的(de)勢頭。財產(chan)險(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)繼續(xu)保(bao)(bao)(bao)(bao)(bao)(bao)持(chi)較(jiao)快(kuai)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)，保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入6212億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)16.5%。人(ren)身險(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)企穩(wen)(wen)(wen)回升(sheng)(sheng)，保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入1.1萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)8.4%，比(bi)(bi)上(shang)(shang)年(nian)提(ti)高3.9個(ge)(ge)百(bai)分點(dian)。二是整體(ti)實(shi)力(li)持(chi)續(xu)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)強(qiang)。保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)規(gui)模全(quan)球排名第(di)四(si)位，與(yu)第(di)三(san)位已十分接近。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)總(zong)資(zi)產(chan)8.3萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，較(jiao)年(nian)初增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)12.7%；凈資(zi)產(chan)8475億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，較(jiao)年(nian)初增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)7%；利潤總(zong)額(e)達到991.4億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)112.5%。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)整體(ti)實(shi)力(li)不斷增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)強(qiang)，平(ping)安保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)集團入選全(quan)球9家(jia)系統重要(yao)性(xing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機構。三(san)是保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)經營風(feng)(feng)險(xian)(xian)(xian)得到有(you)效防(fang)范。妥善應(ying)對集中滿(man)期給付(fu)和退保(bao)(bao)(bao)(bao)(bao)(bao)高峰的(de)沖擊，行(xing)業(ye)(ye)(ye)現金流(liu)保(bao)(bao)(bao)(bao)(bao)(bao)持(chi)充足，個(ge)(ge)別地區(qu)集中退保(bao)(bao)(bao)(bao)(bao)(bao)風(feng)(feng)險(xian)(xian)(xian)得到及時處置。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)基金余(yu)額(e)468億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，較(jiao)年(nian)初增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)22.5%，行(xing)業(ye)(ye)(ye)抵御風(feng)(feng)險(xian)(xian)(xian)的(de)能(neng)力(li)不斷增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)強(qiang)。四(si)是改(gai)革(ge)積極(ji)效應(ying)逐步顯現。壽(shou)險(xian)(xian)(xian)費(fei)(fei)(fei)率市(shi)場(chang)化增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)強(qiang)了(le)(le)(le)市(shi)場(chang)活力(li)，2013年(nian)8月份改(gai)革(ge)啟動(dong)以(yi)來，普通型(xing)人(ren)身險(xian)(xian)(xian)新(xin)單保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)520%，增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)速創13年(nian)來新(xin)高。資(zi)金運用改(gai)革(ge)拓寬了(le)(le)(le)投(tou)資(zi)渠道、優(you)化了(le)(le)(le)資(zi)產(chan)結構，企業(ye)(ye)(ye)債(zhai)和另類投(tou)資(zi)等高收(shou)(shou)益資(zi)產(chan)占比(bi)(bi)較(jiao)年(nian)初分別增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)加2個(ge)(ge)百(bai)分點(dian)和6.3個(ge)(ge)百(bai)分點(dian)。全(quan)行(xing)業(ye)(ye)(ye)實(shi)現投(tou)資(zi)收(shou)(shou)益3658.3億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，收(shou)(shou)益率5.04%，比(bi)(bi)上(shang)(shang)年(nian)提(ti)高1.65個(ge)(ge)百(bai)分點(dian)，是近四(si)年(nian)來的(de)最好水(shui)平(ping)。五是服(fu)務(wu)能(neng)力(li)不斷提(ti)升(sheng)(sheng)。農(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入306.6億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)27.4%，向3177萬(wan)受災農(nong)戶支付(fu)賠款208.6億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，同(tong)(tong)比(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)41%。承保(bao)(bao)(bao)(bao)(bao)(bao)主要(yao)農(nong)作(zuo)(zuo)物(wu)突破10億(yi)(yi)(yi)(yi)(yi)(yi)畝，占全(quan)國(guo)(guo)主要(yao)農(nong)作(zuo)(zuo)物(wu)播種面積的(de)42%，提(ti)供風(feng)(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)突破1萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。責(ze)任保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入216.6億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，為食品、環境、醫療等領域提(ti)供風(feng)(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)48.6萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。出口信用保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)費(fei)(fei)(fei)收(shou)(shou)入155.2億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，向近4.5萬(wan)家(jia)企業(ye)(ye)(ye)提(ti)供風(feng)(feng)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)2.86萬(wan)億(yi)(yi)(yi)(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，為穩(wen)(wen)(wen)定國(guo)(guo)家(jia)外需作(zuo)(zuo)出了(le)(le)(le)貢(gong)獻(xian)。大病保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)在全(quan)國(guo)(guo)25個(ge)(ge)省的(de)144個(ge)(ge)統籌地區(qu)全(quan)面推開，覆蓋人(ren)口3.6億(yi)(yi)(yi)(yi)(yi)(yi)。一系列重大災害事故發生(sheng)后(hou)，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)全(quan)力(li)以(yi)赴開展(zhan)抗災救災、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)理(li)賠，為緩解災區(qu)人(ren)民的(de)生(sheng)產(chan)生(sheng)活困難(nan)和促進當地社會穩(wen)(wen)(wen)定作(zuo)(zuo)出了(le)(le)(le)積極(ji)貢(gong)獻(xian)。

　　一年(nian)來，保(bao)(bao)險(xian)監(jian)(jian)管機構牢牢把握穩(wen)(wen)中(zhong)求進(jin)的(de)(de)(de)工(gong)(gong)作(zuo)基調，正確處理改(gai)(gai)革、發(fa)(fa)(fa)展、穩(wen)(wen)定的(de)(de)(de)關系(xi)(xi)(xi)，緊緊圍繞“抓服務、嚴(yan)監(jian)(jian)管、防風(feng)險(xian)、促發(fa)(fa)(fa)展”，主要在著力(li)防范化(hua)解(jie)(jie)風(feng)險(xian)、積極推進(jin)市(shi)場(chang)(chang)化(hua)改(gai)(gai)革、努力(li)規范市(shi)場(chang)(chang)秩(zhi)序、完(wan)善償付能力(li)監(jian)(jian)管體系(xi)(xi)(xi)、切實保(bao)(bao)護消費者(zhe)利(li)益、營(ying)造(zao)良好發(fa)(fa)(fa)展環境以及加強(qiang)(qiang)監(jian)(jian)管自身建設(she)等方面扎實工(gong)(gong)作(zuo)，取得(de)了來之不易的(de)(de)(de)成績。回顧過去一年(nian)的(de)(de)(de)保(bao)(bao)險(xian)監(jian)(jian)管工(gong)(gong)作(zuo)，保(bao)(bao)監(jian)(jian)會(hui)注(zhu)重全(quan)局思維，強(qiang)(qiang)化(hua)保(bao)(bao)險(xian)監(jian)(jian)管的(de)(de)(de)大(da)局意識(shi)；注(zhu)重把握大(da)勢，提高監(jian)(jian)管工(gong)(gong)作(zuo)的(de)(de)(de)前瞻性(xing)；注(zhu)重改(gai)(gai)革創新，再造(zao)保(bao)(bao)險(xian)市(shi)場(chang)(chang)體制機制優勢；注(zhu)重攻堅克難，治理困擾行(xing)業的(de)(de)(de)沉疴頑疾；注(zhu)重遠(yuan)近結合，推動行(xing)業發(fa)(fa)(fa)展行(xing)穩(wen)(wen)致遠(yuan)。這些(xie)思路和做法是近年(nian)來保(bao)(bao)險(xian)監(jian)(jian)管系(xi)(xi)(xi)統解(jie)(jie)放(fang)思想、改(gai)(gai)革創新的(de)(de)(de)經驗(yan)總結，一定要繼續(xu)堅持，并在今后的(de)(de)(de)工(gong)(gong)作(zuo)中(zhong)不斷豐(feng)富完(wan)善。

　　全面推進保(bao)險業改(gai)革創新的幾個重(zhong)點

　　2014年保險(xian)監(jian)管工作(zuo)的(de)(de)總(zong)體要求(qiu)，最核心的(de)(de)是八個字，即穩中求(qiu)進(jin)、改革創新。面對錯綜復雜(za)的(de)(de)外(wai)部形勢(shi)，保持(chi)行業平穩增(zeng)長，維(wei)護(hu)市場安全穩定，守住風險(xian)底線，保險(xian)監(jian)管必(bi)須(xu)穩中求(qiu)進(jin)；在復雜(za)的(de)(de)形勢(shi)中把握機遇、有所作(zuo)為，打破行業發(fa)展的(de)(de)瓶(ping)頸，激發(fa)市場的(de)(de)動力(li)和(he)活力(li)，保險(xian)監(jian)管必(bi)須(xu)改革創新。

　　習近平總書記反(fan)復強調，改(gai)革(ge)(ge)開放是決(jue)定(ding)當代中國命運的(de)關(guan)鍵一(yi)(yi)招(zhao)(zhao)，也是決(jue)定(ding)實(shi)現“兩個一(yi)(yi)百(bai)年(nian)”奮斗(dou)目標、實(shi)現中華民族偉(wei)大(da)復興(xing)的(de)關(guan)鍵一(yi)(yi)招(zhao)(zhao)。貫徹落(luo)實(shi)習近平總書記重(zhong)要講話精神，必須全面(mian)(mian)深化改(gai)革(ge)(ge)，在(zai)破解制(zhi)約(yue)發展(zhan)難題、推動(dong)行(xing)業轉型升級(ji)的(de)同時，找準為國家(jia)全面(mian)(mian)深化改(gai)革(ge)(ge)服務的(de)切(qie)入點。下一(yi)(yi)步，保監會(hui)將成立保監會(hui)全面(mian)(mian)深化改(gai)革(ge)(ge)領導(dao)小組(zu)，統籌推進(jin)保險(xian)業的(de)改(gai)革(ge)(ge)創新，主要是推進(jin)保險(xian)服務體(ti)系(xi)、市場體(ti)系(xi)和監管體(ti)系(xi)的(de)改(gai)革(ge)(ge)創新。

　　推進保險服務體系改革創新

　　要站在(zai)服(fu)(fu)務國家治理體(ti)系(xi)和治理能(neng)力現代(dai)化的高度(du)，推進保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)服(fu)(fu)務體(ti)系(xi)改革創新，建設一(yi)個在(zai)現代(dai)金融體(ti)系(xi)、社會(hui)(hui)保(bao)(bao)(bao)障體(ti)系(xi)、農業(ye)(ye)保(bao)(bao)(bao)障體(ti)系(xi)、災害救(jiu)助體(ti)系(xi)和社會(hui)(hui)管理體(ti)系(xi)中(zhong)發揮重(zhong)要作用的現代(dai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)(fu)務業(ye)(ye)。當前(qian)重(zhong)點是(shi)，按(an)照十八(ba)屆三中(zhong)全會(hui)(hui)對保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)提出的要求，在(zai)巨災保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、農業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、商業(ye)(ye)養老和健康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、責任(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等領(ling)域(yu)取(qu)得新進展。

　　第一，探(tan)索發展(zhan)巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)。總(zong)體思路是，以(yi)制度(du)建(jian)(jian)設為基礎，以(yi)商業保(bao)(bao)(bao)(bao)(bao)險(xian)為平臺，以(yi)多層級(ji)分級(ji)分擔風險(xian)為保(bao)(bao)(bao)(bao)(bao)障，發揮政府和市場的(de)作用(yong)，在總(zong)結試點(dian)經驗的(de)基礎上(shang)逐步(bu)推廣(guang)，建(jian)(jian)立(li)(li)符合我國(guo)(guo)國(guo)(guo)情(qing)的(de)巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)制度(du)。協調(diao)相關部(bu)委制訂建(jian)(jian)立(li)(li)我國(guo)(guo)巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)制度(du)的(de)實(shi)施方(fang)案，爭取(qu)國(guo)(guo)家(jia)巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)政策(ce)支持。推動立(li)(li)法，爭取(qu)早(zao)日(ri)出臺《巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)條例》。指導云南、深圳等地開(kai)展(zhan)地震和綜合巨(ju)(ju)災(zai)(zai)(zai)保(bao)(bao)(bao)(bao)(bao)險(xian)試點(dian)。

　　第二，規范發(fa)展(zhan)農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)。在2013年底召開的(de)(de)中(zhong)央農(nong)(nong)(nong)(nong)(nong)村工(gong)作(zuo)會議(yi)上，習近平(ping)總書記強調，“農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)一(yi)定要(yao)搞(gao)好(hao)”。如(ru)何(he)規范發(fa)展(zhan)農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)，把中(zhong)央支農(nong)(nong)(nong)(nong)(nong)惠農(nong)(nong)(nong)(nong)(nong)政策運用好(hao)、落實好(hao)，不僅(jin)關系到保(bao)險(xian)(xian)(xian)(xian)功能(neng)的(de)(de)發(fa)揮，對(dui)保(bao)險(xian)(xian)(xian)(xian)業(ye)來說也是一(yi)項重(zhong)要(yao)的(de)(de)政治任(ren)務(wu)。2014年農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)監管重(zhong)點抓(zhua)(zhua)(zhua)好(hao)三個方面的(de)(de)工(gong)作(zuo)：一(yi)是抓(zhua)(zhua)(zhua)業(ye)務(wu)規范，組織專門力量，對(dui)部分農(nong)(nong)(nong)(nong)(nong)業(ye)大省進行(xing)徹底的(de)(de)檢查，把問題查深查透。二是抓(zhua)(zhua)(zhua)制(zhi)(zhi)度完善，針對(dui)存(cun)在的(de)(de)問題，進一(yi)步(bu)完善農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)制(zhi)(zhi)度設(she)計，為農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)健(jian)康發(fa)展(zhan)打下(xia)良好(hao)基(ji)礎(chu)。三是抓(zhua)(zhua)(zhua)創新試點，協調相關部門完善補貼機制(zhi)(zhi)，建立“15+X”的(de)(de)補貼架構，推動(dong)發(fa)展(zhan)地方特色農(nong)(nong)(nong)(nong)(nong)產品的(de)(de)農(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)(xian)(xian)。探索發(fa)展(zhan)農(nong)(nong)(nong)(nong)(nong)產品價格指數保(bao)險(xian)(xian)(xian)(xian)。

　　第三，大(da)力發展商業養(yang)老(lao)和(he)健(jian)康(kang)(kang)保(bao)(bao)險(xian)(xian)(xian)。重點(dian)(dian)是夯實(shi)基礎(chu)，加強協(xie)調，通過試(shi)點(dian)(dian)帶動(dong)擴面。養(yang)老(lao)保(bao)(bao)險(xian)(xian)(xian)方(fang)面，繼(ji)續推進(jin)個人稅收遞延型養(yang)老(lao)保(bao)(bao)險(xian)(xian)(xian)試(shi)點(dian)(dian)工作。鼓勵保(bao)(bao)險(xian)(xian)(xian)公司(si)參與養(yang)老(lao)服(fu)(fu)務(wu)業建(jian)設。開展老(lao)年人住(zhu)房反(fan)向抵(di)押養(yang)老(lao)保(bao)(bao)險(xian)(xian)(xian)試(shi)點(dian)(dian)。以企業年金稅收優惠(hui)政(zheng)策為(wei)契機，大(da)力拓(tuo)展企業年金業務(wu)。健(jian)康(kang)(kang)保(bao)(bao)險(xian)(xian)(xian)方(fang)面，研究(jiu)健(jian)全(quan)完(wan)(wan)善(shan)健(jian)康(kang)(kang)保(bao)(bao)險(xian)(xian)(xian)相關稅收政(zheng)策，推進(jin)保(bao)(bao)險(xian)(xian)(xian)機構在更大(da)范圍和(he)更高統籌層(ceng)次上(shang)經(jing)辦新農(nong)合(he)等各類(lei)醫(yi)保(bao)(bao)服(fu)(fu)務(wu)。進(jin)一(yi)步完(wan)(wan)善(shan)大(da)病(bing)(bing)保(bao)(bao)險(xian)(xian)(xian)統計制(zhi)度(du)，夯實(shi)大(da)病(bing)(bing)保(bao)(bao)險(xian)(xian)(xian)定(ding)價基礎(chu)。健(jian)全(quan)大(da)病(bing)(bing)保(bao)(bao)險(xian)(xian)(xian)制(zhi)度(du)，擴大(da)大(da)病(bing)(bing)保(bao)(bao)險(xian)(xian)(xian)試(shi)點(dian)(dian)范圍。

　　第四，深入(ru)發展(zhan)責任保(bao)(bao)險(xian)(xian)。現(xian)在，各(ge)方面(mian)對責任保(bao)(bao)險(xian)(xian)的期待都很高，要抓住有利(li)時機，盡快(kuai)突破。以(yi)《食品安(an)全法(fa)》修改為契(qi)機，推動(dong)食品安(an)全責任強(qiang)制保(bao)(bao)險(xian)(xian)立法(fa)，做(zuo)好相關(guan)配(pei)套機制建(jian)(jian)設(she)(she)。健(jian)全醫(yi)療責任保(bao)(bao)險(xian)(xian)各(ge)項制度，推動(dong)保(bao)(bao)險(xian)(xian)業(ye)(ye)參與醫(yi)療糾紛調解機制建(jian)(jian)設(she)(she)，提(ti)升保(bao)(bao)險(xian)(xian)服務(wu)能(neng)力。深入(ru)總結環境污染責任保(bao)(bao)險(xian)(xian)試點(dian)經驗，逐步拓展(zhan)試點(dian)范圍和領域，加強(qiang)風(feng)險(xian)(xian)評(ping)估(gu)等基(ji)礎制度建(jian)(jian)設(she)(she)。強(qiang)化承運(yun)人責任保(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)管理，加強(qiang)監督(du)檢(jian)查，促(cu)進其規范健(jian)康發展(zhan)。

　　推(tui)進保險市場體系改革(ge)創新

　　這幾年(nian)，保(bao)監會(hui)在(zai)推進市(shi)場(chang)化改(gai)革(ge)方(fang)面(mian)取得了一(yi)些成(cheng)(cheng)效，但距(ju)離市(shi)場(chang)在(zai)資源(yuan)配置中(zhong)起(qi)決定性作用還有差距(ju)。下一(yi)步(bu)(bu)，要按(an)照十八屆三中(zhong)全(quan)會(hui)的(de)(de)精神(shen)，簡政放權(quan)，進一(yi)步(bu)(bu)激發市(shi)場(chang)發展的(de)(de)內生動(dong)力(li)與活(huo)力(li)。當前的(de)(de)改(gai)革(ge)重點是，深(shen)化費(fei)率形成(cheng)(cheng)機制(zhi)改(gai)革(ge)，推進資金運(yun)用體制(zhi)改(gai)革(ge)，推進市(shi)場(chang)準入退出機制(zhi)改(gai)革(ge)。

　　一是深化(hua)(hua)費率(lv)(lv)(lv)(lv)(lv)形(xing)成機(ji)(ji)制(zhi)(zhi)(zhi)改(gai)革。壽險(xian)(xian)(xian)領域，重點是在(zai)總(zong)結前(qian)(qian)一階段放(fang)開預定利(li)率(lv)(lv)(lv)(lv)(lv)成效和經驗的(de)(de)基礎上，擴大費率(lv)(lv)(lv)(lv)(lv)市(shi)場化(hua)(hua)的(de)(de)范圍，防范改(gai)革可能(neng)引起的(de)(de)風險(xian)(xian)(xian)。啟(qi)動分紅(hong)險(xian)(xian)(xian)、萬能(neng)險(xian)(xian)(xian)費率(lv)(lv)(lv)(lv)(lv)形(xing)成機(ji)(ji)制(zhi)(zhi)(zhi)改(gai)革，力(li)爭年(nian)底前(qian)(qian)實現(xian)人身險(xian)(xian)(xian)費率(lv)(lv)(lv)(lv)(lv)形(xing)成機(ji)(ji)制(zhi)(zhi)(zhi)的(de)(de)全面市(shi)場化(hua)(hua)。啟(qi)動與費率(lv)(lv)(lv)(lv)(lv)形(xing)成機(ji)(ji)制(zhi)(zhi)(zhi)相適應(ying)的(de)(de)精算制(zhi)(zhi)(zhi)度(du)改(gai)革，完善(shan)準備金評估(gu)規則，完善(shan)分紅(hong)賬戶(hu)管理和分紅(hong)特(te)儲制(zhi)(zhi)(zhi)度(du)，在(zai)放(fang)開前(qian)(qian)端(duan)的(de)(de)同時從后(hou)端(duan)管住風險(xian)(xian)(xian)。產險(xian)(xian)(xian)領域，重點是深化(hua)(hua)商業(ye)車險(xian)(xian)(xian)條款(kuan)(kuan)費率(lv)(lv)(lv)(lv)(lv)管理制(zhi)(zhi)(zhi)度(du)改(gai)革，完善(shan)市(shi)場化(hua)(hua)的(de)(de)商業(ye)車險(xian)(xian)(xian)條款(kuan)(kuan)費率(lv)(lv)(lv)(lv)(lv)形(xing)成機(ji)(ji)制(zhi)(zhi)(zhi)。條件(jian)成熟的(de)(de)地區可以(yi)先(xian)行先(xian)試，試點地區要及時總(zong)結經驗和反映(ying)問題(ti)。

　　二是繼續(xu)推(tui)(tui)進(jin)資金(jin)運用體制改(gai)革(ge)。進(jin)一(yi)步(bu)放開投資領域和范(fan)圍，把(ba)更多(duo)的(de)選(xuan)擇權交給市場(chang)主體。按照“抓大放小”的(de)思路，推(tui)(tui)進(jin)資金(jin)運用比例(li)監(jian)管(guan)(guan)改(gai)革(ge)。推(tui)(tui)動(dong)建(jian)立資管(guan)(guan)產(chan)品(pin)集中登記交易系統，增強資管(guan)(guan)產(chan)品(pin)的(de)流動(dong)性，發揮(hui)市場(chang)的(de)定價功能。支持成(cheng)立中國保險資產(chan)管(guan)(guan)理業協會，推(tui)(tui)動(dong)行業自我管(guan)(guan)理、自我提(ti)升。加快轉(zhuan)變監(jian)管(guan)(guan)方式，把(ba)監(jian)管(guan)(guan)重點由放開渠道轉(zhuan)變為風險監(jian)管(guan)(guan)，在有效防范(fan)風險的(de)前(qian)提(ti)下推(tui)(tui)動(dong)資金(jin)運用市場(chang)化(hua)改(gai)革(ge)順利(li)進(jin)行。

　　三是(shi)繼續推進市(shi)(shi)場(chang)(chang)準(zhun)入(ru)退出(chu)(chu)機制(zhi)(zhi)(zhi)改革。基本(ben)思路是(shi)，堅持市(shi)(shi)場(chang)(chang)化(hua)(hua)、區域(yu)化(hua)(hua)的(de)準(zhun)入(ru)導向，突出(chu)(chu)專業化(hua)(hua)特色，統籌規(gui)劃市(shi)(shi)場(chang)(chang)準(zhun)入(ru)和市(shi)(shi)場(chang)(chang)體系培(pei)育，完善(shan)市(shi)(shi)場(chang)(chang)退出(chu)(chu)和風(feng)險(xian)(xian)處置(zhi)的(de)制(zhi)(zhi)(zhi)度機制(zhi)(zhi)(zhi)，切實為(wei)發(fa)揮市(shi)(shi)場(chang)(chang)配(pei)置(zhi)資源的(de)決(jue)定性作用創造條(tiao)(tiao)件(jian)。優化(hua)(hua)準(zhun)入(ru)標準(zhun)和審核流程，深化(hua)(hua)高管(guan)任(ren)職資格(ge)核準(zhun)改革，建立(li)準(zhun)入(ru)預披露制(zhi)(zhi)(zhi)度。建立(li)系統的(de)分(fen)級、分(fen)類、分(fen)區域(yu)的(de)有限牌照制(zhi)(zhi)(zhi)度，確(que)保(bao)(bao)保(bao)(bao)險(xian)(xian)機構“有多(duo)大(da)本(ben)事做多(duo)大(da)業務(wu)”。鼓(gu)勵中(zhong)資保(bao)(bao)險(xian)(xian)公司(si)“走(zou)出(chu)(chu)去”，穩步拓展國際保(bao)(bao)險(xian)(xian)市(shi)(shi)場(chang)(chang)。規(gui)范并購重組行為(wei)，加快(kuai)推動有關立(li)法(fa)工(gong)作。健(jian)全保(bao)(bao)險(xian)(xian)保(bao)(bao)障(zhang)基金(jin)的(de)救(jiu)助和融資機制(zhi)(zhi)(zhi)，明確(que)風(feng)險(xian)(xian)處置(zhi)的(de)觸(chu)發(fa)條(tiao)(tiao)件(jian)，豐富風(feng)險(xian)(xian)處置(zhi)工(gong)具箱，確(que)保(bao)(bao)市(shi)(shi)場(chang)(chang)平穩運行。

　　推進保險(xian)監管體系(xi)改革創(chuang)新

　　現在(zai)我國(guo)保(bao)險監(jian)(jian)管(guan)改革(ge)的(de)任(ren)(ren)務(wu)很重。無(wu)論是順應(ying)國(guo)際金融業浩浩湯湯的(de)改革(ge)潮流、適(shi)應(ying)國(guo)內金融業日新月異(yi)的(de)發(fa)展(zhan)形勢，還是承擔好(hao)保(bao)險監(jian)(jian)管(guan)引(yin)領發(fa)展(zhan)、防范(fan)風險、規范(fan)市(shi)場、保(bao)護消費(fei)者(zhe)利益(yi)的(de)任(ren)(ren)務(wu)，都要(yao)求(qiu)保(bao)險監(jian)(jian)管(guan)機構加快(kuai)保(bao)險監(jian)(jian)管(guan)改革(ge)。下一步，要(yao)立足國(guo)情、放眼國(guo)際，繼續深化監(jian)(jian)管(guan)體(ti)系(xi)改革(ge)創新。

　　第一，完(wan)善監(jian)(jian)管(guan)制(zhi)度。制(zhi)度是管(guan)長遠、管(guan)根本的(de)(de)。當前(qian)完(wan)善監(jian)(jian)管(guan)制(zhi)度，重點是抓好三項工(gong)(gong)作。一是做好“一法(fa)兩條(tiao)例”的(de)(de)相關工(gong)(gong)作。積極推(tui)動《保險法(fa)》和《交強(qiang)險條(tiao)例》的(de)(de)修訂，加(jia)快研究制(zhi)定《巨災保險條(tiao)例》。二(er)是加(jia)快“廢改立(li)”工(gong)(gong)作。要(yao)完(wan)成規(gui)范性文(wen)件的(de)(de)清理，盡可能(neng)消除保監(jian)(jian)會(hui)系(xi)統內部規(gui)范性文(wen)件的(de)(de)沖突和不(bu)協調，提高制(zhi)度的(de)(de)合法(fa)性。本著(zhu)急用先建(jian)(jian)的(de)(de)原(yuan)則，加(jia)快建(jian)(jian)立(li)健(jian)全市場準(zhun)入退出、治理理賠難(nan)和銷售(shou)誤導(dao)、網絡保險、資金運用等關鍵監(jian)(jian)管(guan)環節的(de)(de)規(gui)章制(zhi)定工(gong)(gong)作。探索負面清單模式(shi)(shi)下的(de)(de)監(jian)(jian)管(guan)方(fang)式(shi)(shi)，擬定保險業進(jin)一步擴大開放的(de)(de)方(fang)案(an)。三是推(tui)進(jin)“償二(er)代”建(jian)(jian)設。加(jia)快建(jian)(jian)成一套既與國際接軌、又與我國保險業發展階段相適(shi)應的(de)(de)監(jian)(jian)管(guan)體系(xi)，完(wan)成全部技術標準(zhun)的(de)(de)制(zhi)定工(gong)(gong)作，組織行業對各種風險匯總后的(de)(de)整體測試。

　　第二(er)，完善監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)方式。按照放(fang)開前端(duan)、管(guan)(guan)(guan)(guan)住后端(duan)的(de)改革方向，進一步改進監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)方式，提(ti)(ti)高監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)的(de)針對性(xing)(xing)和(he)有效(xiao)性(xing)(xing)。一是強化過(guo)程監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)。把(ba)握關鍵環節，科(ke)學實施(shi)事前、事中、事后監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)。抓好分類監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)、資產(chan)負債匹配監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)和(he)非現(xian)場監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)，強化公(gong)司治(zhi)理(li)和(he)內(nei)控的(de)約束(shu)力(li)(li)，把(ba)償付能力(li)(li)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)作(zuo)為剛性(xing)(xing)要求(qiu)，貫穿(chuan)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)的(de)全(quan)過(guo)程。二(er)是強化信息(xi)(xi)披露。發(fa)布實施(shi)保(bao)險(xian)經(jing)營(ying)和(he)服務兩個評價體(ti)系(xi)，加(jia)強對保(bao)險(xian)公(gong)司的(de)市場評價和(he)社會(hui)(hui)監(jian)(jian)(jian)(jian)(jian)督(du)。由行業協(xie)會(hui)(hui)向社會(hui)(hui)公(gong)開評價結果和(he)排名，促進保(bao)險(xian)公(gong)司提(ti)(ti)升經(jing)營(ying)和(he)服務水平。督(du)促各保(bao)險(xian)機構嚴(yan)格執行保(bao)險(xian)公(gong)司信息(xi)(xi)披露監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)規定。三是強化監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)合(he)(he)力(li)(li)。整(zheng)合(he)(he)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)系(xi)統資源，加(jia)強監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)上下聯動，努(nu)力(li)(li)做到全(quan)國一盤棋。比如現(xian)場檢(jian)查，要充分發(fa)揮稽查工作(zuo)委員(yuan)會(hui)(hui)的(de)協(xie)調職(zhi)能，合(he)(he)理(li)分工，科(ke)學安排，減少重復檢(jian)查、多頭檢(jian)查。

　　第三，完善監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)機(ji)制(zhi)。進(jin)(jin)一(yi)步(bu)理(li)(li)(li)順監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)職(zhi)責，努力(li)提(ti)高(gao)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)效率。要(yao)處理(li)(li)(li)好監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)和(he)市(shi)場(chang)的(de)(de)(de)關(guan)(guan)(guan)(guan)系(xi)，放寬放活市(shi)場(chang)自己的(de)(de)(de)事,管(guan)(guan)(guan)(guan)住(zhu)管(guan)(guan)(guan)(guan)好政(zheng)府該(gai)(gai)(gai)(gai)管(guan)(guan)(guan)(guan)的(de)(de)(de)事。要(yao)結合工(gong)作實際，研究哪(na)(na)些事情監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)機(ji)構(gou)可以不(bu)管(guan)(guan)(guan)(guan)或少(shao)管(guan)(guan)(guan)(guan)。要(yao)處理(li)(li)(li)好會(hui)(hui)(hui)機(ji)關(guan)(guan)(guan)(guan)和(he)保監(jian)(jian)(jian)局(ju)的(de)(de)(de)關(guan)(guan)(guan)(guan)系(xi)。要(yao)對保監(jian)(jian)(jian)會(hui)(hui)(hui)部(bu)門(men)和(he)保監(jian)(jian)(jian)局(ju)的(de)(de)(de)職(zhi)能進(jin)(jin)行(xing)(xing)(xing)認真梳理(li)(li)(li)，哪(na)(na)些事該(gai)(gai)(gai)(gai)機(ji)關(guan)(guan)(guan)(guan)部(bu)門(men)做(zuo)，哪(na)(na)些事該(gai)(gai)(gai)(gai)保監(jian)(jian)(jian)局(ju)做(zuo)，應該(gai)(gai)(gai)(gai)有更(geng)明確、更(geng)細化、更(geng)具操作性的(de)(de)(de)規定。2014年，要(yao)在(zai)探(tan)索屬地監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)上邁(mai)出(chu)更(geng)大(da)的(de)(de)(de)步(bu)伐。要(yao)處理(li)(li)(li)好會(hui)(hui)(hui)機(ji)關(guan)(guan)(guan)(guan)各部(bu)門(men)的(de)(de)(de)關(guan)(guan)(guan)(guan)系(xi)。按照機(ji)構(gou)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)與功能監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)相(xiang)(xiang)結合的(de)(de)(de)原則，通過工(gong)作會(hui)(hui)(hui)商、信息共(gong)享(xiang)，做(zuo)到(dao)部(bu)門(men)之(zhi)間相(xiang)(xiang)互協(xie)(xie)調、密切配合，減(jian)少(shao)政(zheng)出(chu)多門(men)，提(ti)高(gao)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)執行(xing)(xing)(xing)力(li)。要(yao)處理(li)(li)(li)好監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)和(he)協(xie)(xie)會(hui)(hui)(hui)學(xue)會(hui)(hui)(hui)的(de)(de)(de)關(guan)(guan)(guan)(guan)系(xi)。行(xing)(xing)(xing)業(ye)(ye)協(xie)(xie)會(hui)(hui)(hui)和(he)學(xue)會(hui)(hui)(hui)在(zai)營造發展環境、促進(jin)(jin)行(xing)(xing)(xing)業(ye)(ye)發展方面(mian)(mian)應該(gai)(gai)(gai)(gai)站到(dao)前(qian)臺來，在(zai)行(xing)(xing)(xing)業(ye)(ye)自律、行(xing)(xing)(xing)業(ye)(ye)基(ji)礎建設等(deng)方面(mian)(mian)應該(gai)(gai)(gai)(gai)下更(geng)大(da)的(de)(de)(de)功夫。特(te)別是行(xing)(xing)(xing)業(ye)(ye)自律，既不(bu)能不(bu)作為，也不(bu)能亂作為。

　　為保險業改(gai)革創(chuang)新創(chuang)造良(liang)好環境

　　嚴防系(xi)統性區域性風險(xian)

　　保險(xian)業(ye)正處在(zai)轉型(xing)升級(ji)的關鍵時期(qi)，防范風(feng)險(xian)的形(xing)勢仍然嚴(yan)峻，任務還很艱巨(ju)。要理清思路、突(tu)出重點，降低存量風(feng)險(xian)，控制增量風(feng)險(xian)，防范突(tu)發風(feng)險(xian)，關注新的風(feng)險(xian)，牢(lao)牢(lao)守住不發生(sheng)系統性區域性風(feng)險(xian)底線。

　　第一(yi)，防范化解滿(man)(man)期給付(fu)和(he)退保(bao)風(feng)險。未來一(yi)段時(shi)期，防范化解滿(man)(man)期給付(fu)和(he)退保(bao)風(feng)險仍不可掉以輕心。要繼續堅持內緊外松的(de)(de)方針(zhen)，強化公(gong)司(si)的(de)(de)主體責任和(he)派出機構的(de)(de)屬地責任，按照“統一(yi)部署(shu)、各(ge)負其責、穩步實施、沉著(zhu)應對”的(de)(de)原則(ze)，針(zhen)對重(zhong)點(dian)(dian)公(gong)司(si)、重(zhong)點(dian)(dian)業務、重(zhong)點(dian)(dian)地區(qu)、重(zhong)點(dian)(dian)環節、重(zhong)點(dian)(dian)群體，開展風(feng)險排查，加(jia)強監測預警。要緊盯分紅公(gong)布期、集(ji)中(zhong)給付(fu)期等敏感時(shi)點(dian)(dian)，落(luo)實重(zhong)大(da)事項報告制(zhi)度和(he)風(feng)險響應制(zhi)度。要加(jia)強公(gong)司(si)治理監管，督(du)促保(bao)險公(gong)司(si)積極穩妥處理突(tu)發事件(jian)。

　　第二，防(fang)范化解償(chang)付(fu)能(neng)(neng)力(li)(li)(li)不足風(feng)險。目前，部分公(gong)(gong)司(si)償(chang)付(fu)能(neng)(neng)力(li)(li)(li)充足率還處在剛(gang)剛(gang)達標的臨界水平，在行業承保盈利能(neng)(neng)力(li)(li)(li)普(pu)遍(bian)不高、公(gong)(gong)司(si)發債成本總體上(shang)升的影(ying)響下(xia)，可能(neng)(neng)導致個別(bie)公(gong)(gong)司(si)出(chu)現償(chang)付(fu)能(neng)(neng)力(li)(li)(li)反復不足的情況。必須堅持預(yu)防(fang)為(wei)主，加大償(chang)付(fu)能(neng)(neng)力(li)(li)(li)壓力(li)(li)(li)測試工作力(li)(li)(li)度(du)(du)，對(dui)資(zi)(zi)(zi)(zi)本管(guan)理(li)能(neng)(neng)力(li)(li)(li)差、償(chang)付(fu)能(neng)(neng)力(li)(li)(li)反復不足的公(gong)(gong)司(si)采(cai)取(qu)預(yu)防(fang)性措(cuo)施，做(zuo)到對(dui)風(feng)險早(zao)(zao)預(yu)警、早(zao)(zao)發現、早(zao)(zao)處置。研究制定保險公(gong)(gong)司(si)資(zi)(zi)(zi)(zi)本補(bu)充管(guan)理(li)辦法，拓(tuo)寬資(zi)(zi)(zi)(zi)本補(bu)充渠道(dao)。建立資(zi)(zi)(zi)(zi)本分級制度(du)(du)，完善資(zi)(zi)(zi)(zi)本補(bu)充制度(du)(du)體系。研究推進保險資(zi)(zi)(zi)(zi)金全托管(guan)，嚴厲(li)查處虛假注(zhu)資(zi)(zi)(zi)(zi)、抽逃資(zi)(zi)(zi)(zi)本金的行為(wei)。注(zhu)重防(fang)范集團化經營風(feng)險，防(fang)止風(feng)險在不同業務領域之間相互傳(chuan)遞(di)。

　　第三，防(fang)范(fan)化解流動(dong)性(xing)風險(xian)(xian)(xian)。2013年(nian)以來，市場資(zi)金(jin)趨(qu)緊逐漸成為常(chang)態。一些保(bao)險(xian)(xian)(xian)公(gong)司的(de)高現(xian)金(jin)價值業(ye)(ye)務(wu)，存續期通常(chang)為一兩年(nian)，甚至只有3個月(yue)，而匹配的(de)資(zi)產一般超(chao)過2年(nian)，這種“借短貸長”的(de)資(zi)金(jin)運用(yong)形(xing)式很容(rong)易出現(xian)流動(dong)性(xing)風險(xian)(xian)(xian)。保(bao)險(xian)(xian)(xian)業(ye)(ye)防(fang)范(fan)流動(dong)性(xing)風險(xian)(xian)(xian)的(de)經(jing)驗(yan)還比較欠缺(que)。要(yao)按(an)照疏堵結合(he)的(de)原則，加(jia)強資(zi)產負債匹配監管。要(yao)規范(fan)和(he)疏導高現(xian)金(jin)價值業(ye)(ye)務(wu)，審慎控(kong)制(zhi)非壽險(xian)(xian)(xian)投資(zi)型業(ye)(ye)務(wu)，在風險(xian)(xian)(xian)可控(kong)的(de)基礎(chu)上推進(jin)(jin)產品(pin)創新。要(yao)對(dui)短期理(li)財產品(pin)進(jin)(jin)行(xing)信息(xi)登記，披露投資(zi)資(zi)產信息(xi)。

　　第四，防范化解資(zi)金(jin)運(yun)(yun)(yun)用風險(xian)(xian)。保(bao)(bao)險(xian)(xian)資(zi)金(jin)運(yun)(yun)(yun)用改革新(xin)政增強(qiang)了市場活力，也對行業的風險(xian)(xian)管(guan)控能力帶來(lai)了新(xin)的挑戰。要堅持“既放得(de)(de)開(kai)，又防得(de)(de)住”，把監(jian)管(guan)重心由事(shi)前監(jian)管(guan)轉移到事(shi)中(zhong)事(shi)后(hou)的監(jian)管(guan)上。著力構(gou)建“一個基礎、五個工具”的資(zi)金(jin)運(yun)(yun)(yun)用監(jian)管(guan)新(xin)框架，在加強(qiang)非現(xian)場監(jian)測與現(xian)場檢(jian)查的基礎上，強(qiang)化信(xin)息(xi)披露、內部(bu)控制、分類(lei)監(jian)管(guan)、資(zi)產(chan)負債匹配、資(zi)產(chan)認可等(deng)監(jian)管(guan)工具。建立(li)覆蓋股(gu)權、不動產(chan)及金(jin)融產(chan)品的非現(xian)場監(jian)管(guan)信(xin)息(xi)系(xi)統。落實保(bao)(bao)監(jian)局資(zi)金(jin)運(yun)(yun)(yun)用監(jian)管(guan)聯系(xi)人機制，推(tui)動資(zi)金(jin)運(yun)(yun)(yun)用屬地監(jian)管(guan)試點。借(jie)鑒國內外(wai)成(cheng)熟經(jing)驗(yan)，研究推(tui)行保(bao)(bao)險(xian)(xian)投資(zi)資(zi)產(chan)五級分類(lei)制度。

　　繼續規范保險市場秩(zhi)序(xu)

　　在(zai)財(cai)產險方面，要將(jiang)農業保險作為規(gui)(gui)范重(zhong)點(dian)，嚴厲查(cha)處(chu)弄虛作假騙取財(cai)政(zheng)保費補貼、強(qiang)制農戶投(tou)保、不足額提取大災風險準備(bei)金、協議(yi)或平均(jun)賠付(fu)、拖賠少賠、無理拒賠等(deng)違(wei)規(gui)(gui)行為。要針對產險市場違(wei)規(gui)(gui)問題反彈、惡性競(jing)爭加(jia)劇(ju)等(deng)問題，繼續加(jia)大現場檢(jian)查(cha)力度(du)，整(zheng)治財(cai)務(wu)業務(wu)數據不真實、不嚴格執(zhi)行報批報備(bei)條款費率、理賠環(huan)節利益輸送等(deng)突出問題。強(qiang)化(hua)總公司和高管人員(yuan)的(de)管控責任，通過總公司把壓力傳導(dao)給(gei)整(zheng)個市場，推動公司牢固樹立(li)合(he)規(gui)(gui)意識。

　　在人身險(xian)方面(mian)，要以強化公(gong)(gong)司(si)內控管(guan)理和高(gao)管(guan)人員經營責(ze)任為抓手，推動公(gong)(gong)司(si)合規(gui)經營，切實提高(gao)監管(guan)的(de)針對性和有效性。嚴厲整治銀保小(xiao)賬(zhang)和短期意(yi)外險(xian)不規(gui)范經營行為。要研究(jiu)制(zhi)定(ding)人身險(xian)公(gong)(gong)司(si)分險(xian)種核算和省級機(ji)構經營成(cheng)果(guo)獨(du)立(li)核算指導意(yi)見，真實反映產品(pin)及分公(gong)(gong)司(si)的(de)成(cheng)本、費用(yong)和盈虧。要建(jian)立(li)抽查(cha)制(zhi)度(du)，按確定(ding)的(de)比例和一定(ding)規(gui)則隨機(ji)抽查(cha)保險(xian)公(gong)(gong)司(si)，做到一查(cha)到底。

　　在保(bao)(bao)險(xian)中(zhong)介(jie)方面(mian)(mian)，從(cong)2014年起，要(yao)下大力氣，切實(shi)規范中(zhong)介(jie)市(shi)場(chang)秩序(xu)(xu)，每年抓幾件實(shi)事，爭取2～3年內讓保(bao)(bao)險(xian)中(zhong)介(jie)違(wei)法(fa)違(wei)規行為得到根本扭(niu)轉，保(bao)(bao)險(xian)中(zhong)介(jie)的(de)發展(zhan)理(li)念、制(zhi)(zhi)度體(ti)系、運(yun)行機制(zhi)(zhi)和(he)監管架構基本理(li)順(shun)。2014年，要(yao)按照摸清底數、整頓秩序(xu)(xu)、深化改革、建章立制(zhi)(zhi)的(de)步驟，對中(zhong)介(jie)市(shi)場(chang)開(kai)展(zhan)全面(mian)(mian)清理(li)整頓，有效(xiao)遏制(zhi)(zhi)財務不規范、信息不透明、虛假業(ye)務、非法(fa)集資等違(wei)法(fa)違(wei)規亂(luan)象，加(jia)快建立制(zhi)(zhi)度規則，防(fang)范化解風險(xian)隱患。

　　保護保險消費者利益

　　過(guo)去兩年多時間里，保(bao)(bao)監會(hui)從解決突(tu)出問(wen)題(ti)和建立健全機制兩方面(mian)入手，在保(bao)(bao)護消(xiao)費者利益方面(mian)做了一些(xie)短期(qi)(qi)見效(xiao)、長期(qi)(qi)管用的工作，效(xiao)果很好(hao)。未(wei)來(lai)要繼續堅(jian)持這一思路，不(bu)斷堅(jian)定廣(guang)大(da)消(xiao)費者對保(bao)(bao)險(xian)業的信心。一是(shi)繼續整治理(li)賠難(nan)和銷售(shou)誤(wu)導問(wen)題(ti)；二(er)是(shi)進一步完(wan)善保(bao)(bao)險(xian)糾紛調處機制；三是(shi)努力提高保(bao)(bao)險(xian)消(xiao)費投(tou)訴處理(li)工作水平。

　　切實加強基礎(chu)建設

　　加(jia)強數(shu)據(ju)基(ji)礎(chu)建設(she)和(he)(he)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)標準化工(gong)作(zuo)。數(shu)據(ju)和(he)(he)標準是科學監管和(he)(he)行(xing)業(ye)(ye)(ye)發(fa)展(zhan)的重(zhong)要基(ji)礎(chu)。要深(shen)化保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)統計(ji)改(gai)革，構建新型統計(ji)指標體(ti)系(xi)。要做好數(shu)據(ju)體(ti)系(xi)和(he)(he)平(ping)臺(tai)(tai)架構的統一規劃，充分發(fa)揮(hui)中(zhong)國(guo)保(bao)(bao)信公(gong)司的作(zuo)用(yong)，加(jia)快車(che)險(xian)(xian)(xian)(xian)(xian)、健康險(xian)(xian)(xian)(xian)(xian)、中(zhong)介、保(bao)(bao)單(dan)登(deng)記(ji)、再保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)接(jie)受人(ren)(ren)登(deng)記(ji)、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)資(zi)金(jin)運用(yong)等數(shu)據(ju)平(ping)臺(tai)(tai)建設(she)，既為行(xing)業(ye)(ye)(ye)發(fa)展(zhan)服務，也(ye)為保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)監管服務。要充分利用(yong)好這(zhe)個平(ping)臺(tai)(tai)，全力支持(chi)平(ping)臺(tai)(tai)工(gong)作(zuo)，通過監管驅動，加(jia)快平(ping)臺(tai)(tai)建設(she)。抓緊推進產(chan)險(xian)(xian)(xian)(xian)(xian)主要險(xian)(xian)(xian)(xian)(xian)種純風險(xian)(xian)(xian)(xian)(xian)損失率的測算工(gong)作(zuo)，適時啟(qi)動人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)經(jing)驗生命(ming)表的修(xiu)訂工(gong)作(zuo)，為行(xing)業(ye)(ye)(ye)風險(xian)(xian)(xian)(xian)(xian)管理、費率厘定(ding)及償付能力監管奠定(ding)數(shu)據(ju)基(ji)礎(chu)。積極發(fa)揮(hui)保(bao)(bao)標委作(zuo)用(yong)，加(jia)快制定(ding)、修(xiu)改(gai)、完(wan)善(shan)一批行(xing)業(ye)(ye)(ye)標準。

　　加快(kuai)監管(guan)信(xin)息(xi)化(hua)建設。加強(qiang)監管(guan)信(xin)息(xi)系(xi)統開發、改造和(he)升級，推(tui)(tui)進(jin)應用(yong)系(xi)統整合。加強(qiang)監管(guan)信(xin)息(xi)化(hua)基(ji)礎建設，加快(kuai)推(tui)(tui)進(jin)異地(di)災備中心(xin)建設。加強(qiang)信(xin)息(xi)技術培訓，提高監管(guan)干部(bu)運用(yong)信(xin)息(xi)技術手段的(de)能(neng)力。推(tui)(tui)動保險公司加強(qiang)IT 治(zhi)理，對保險公司信(xin)息(xi)系(xi)統開展滲透性測試和(he)動態(tai)監測，將信(xin)息(xi)安(an)(an)全評估指標(biao)納入償付能(neng)力風險指標(biao)體系(xi)，防范(fan)化(hua)解信(xin)息(xi)安(an)(an)全風險。

　　加強(qiang)重大(da)戰略(lve)性(xing)問(wen)題研(yan)究(jiu)(jiu)。當前行業(ye)(ye)(ye)處于轉(zhuan)型升級的(de)關(guan)(guan)鍵階段(duan)，解決(jue)提(ti)(ti)質增(zeng)效、創(chuang)新驅動等(deng)重點(dian)難點(dian)問(wen)題，都(dou)需要(yao)通過研(yan)究(jiu)(jiu)提(ti)(ti)供(gong)理論支持(chi)和(he)政策(ce)儲備。要(yao)加強(qiang)橫向比(bi)較和(he)縱(zong)向分析研(yan)究(jiu)(jiu)，準確把握保(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)發(fa)(fa)展的(de)階段(duan)性(xing)特(te)征和(he)內在(zai)規律。要(yao)加大(da)對國(guo)(guo)際(ji)保(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)法律制度、稅優政策(ce)、市場(chang)規則、業(ye)(ye)(ye)務創(chuang)新等(deng)的(de)研(yan)究(jiu)(jiu)，提(ti)(ti)出符合(he)我國(guo)(guo)國(guo)(guo)情(qing)的(de)對策(ce)措施。密(mi)切(qie)關(guan)(guan)注(zhu)大(da)數據和(he)互聯網金(jin)融對保(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)的(de)影響，充分利(li)用信(xin)息技術促進保(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)轉(zhuan)型升級。深入研(yan)究(jiu)(jiu)培育和(he)發(fa)(fa)展我國(guo)(guo)再保(bao)(bao)險(xian)(xian)(xian)市場(chang)、提(ti)(ti)高核心競爭(zheng)力的(de)有效措施，促進再保(bao)(bao)險(xian)(xian)(xian)市場(chang)與原(yuan)保(bao)(bao)險(xian)(xian)(xian)市場(chang)均衡發(fa)(fa)展。

　　大力培育監(jian)(jian)(jian)管(guan)(guan)文化。目前，保險監(jian)(jian)(jian)管(guan)(guan)核(he)(he)心價(jia)值理念(nian)已(yi)逐步深入人心，對(dui)引導監(jian)(jian)(jian)管(guan)(guan)行(xing)為(wei)(wei)、提升監(jian)(jian)(jian)管(guan)(guan)形象(xiang)起到(dao)了積極作(zuo)用。要繼續加強學習教育，讓監(jian)(jian)(jian)管(guan)(guan)核(he)(he)心價(jia)值理念(nian)真正(zheng)成為(wei)(wei)監(jian)(jian)(jian)管(guan)(guan)的行(xing)動指針和行(xing)為(wei)(wei)準(zhun)則。要建立健全長(chang)效機制(zhi)，促進監(jian)(jian)(jian)管(guan)(guan)文化建設制(zhi)度(du)化、規(gui)范化、常態化。■項俊(jun)波作(zuo)者系中國保險監(jian)(jian)(jian)督管(guan)(guan)理委員會主席(xi)