In that case, the current agricultural insurance in support of rural development has played a role in what? The next step in the development of three agricultural insurance is a general idea of what? Troubled by the development of agriculture catastrophe insurance system, such as whether there may be a breakthrough? How to interpret "the CPC Central Committee on rural reform, development and a number of important decisions" on agricultural insurance position? In this connection, the Shanghai Securities News reporter an exclusive interview with the China Insurance Regulatory Commission Vice Chairman Zhou ceremony.
At present, agricultural insurance market of about 160 insurance
Shanghai Securities News: The insurance industry can provide farmers with insurance products and insurance services which are?
Zhou ceremony: At present, farmers can receive insurance services, it should be said that it is very broad.
Insurance industry has been carried out by the types of insurance, covering nine areas: First, the growing insurance industry. Corn is the main (information market), rice, soybeans (information market), wheat (information, prices), cotton (information market), and so on; Second, the insurance industry, farming, focusing on pigs in the insurance, and to the mother-fan Pigs, cows insurance, poultry insurance related to livestock insurance, cash crops and some livestock insurance; Third, the insurance industry; Fourth, the economic crop insurance, such as trees, rape, tobacco, watermelon, and other insurance; Fifth, agricultural insurance, Jiangsu Province has taken the lead in the implementation of better results; six farmers is the old-age pension, medical care, maternity insurance, such as the peasants of old-age insurance problems, a new type of cooperative medical insurance, migrant workers groups to carry out family planning and insurance; seven is Farmers residential insurance, mainly in the southern provinces and regions to carry out several of the better, such as Fujian, Zhejiang and so on; eight migrant workers is the accidental injury insurance; nine children of migrant workers are students Ping An Insurance.
On the market to carry out the types of agricultural insurance, about 160, covering farming, aquaculture and other fields, was also launched, including trees, rape, watermelons, grapes, and other characteristics of insurance. It can be said that both the farmers or the production of life, basically covered in the insurance services.
However, the depth and breadth of insurance are also not enough, the next step of our development.
Shanghai Securities News: Innovation for agricultural insurance is more important?
Zhou ceremony: Yes. China's insurance industry is currently at the initial stage, but also in agriculture in the development of such a period, at this stage how to do a good job of insurance services to meet the needs of agricultural development, we have to explore a point. According to the actual situation around, according to local conditions to explore the appropriate model.
Insurance products and services increased innovation efforts, particularly in the pension, health care, housing, family planning in this area has provided insurance services, has achieved some social effect. For example, China Life Insurance (601,628, it shares), Ping An Life and Pacific (601,099, it shares) of the three major life insurance companies in the county carried out the work to establish outlets in rural areas, including insurance Station, by insurance. At present, the county level, the number of insurance institutions have more than 4300, insurance for all stations more than 16,000, urban and rural areas all over China; county sales staff close to 600,000 people. From the security point of view, the insurance sector now provides more than 1400 billion line of security risk in rural areas below the county's premium income was also close to 40,000,000,000 yuan.
Specific problems: First, the active participation of a new type of rural cooperative medical work, the focus in Guangdong, Henan and Jiangsu provinces and cities in 14 autonomous regions, 114 counties and cities involved in the new rural cooperative medical care pilot projects. By the end of 2007, the number of insured farmers more than 30,170,000 people, and this year is estimated to be about 50,000,000 people; to raise the cooperative medical care funds have super 4,000,000,000 yuan this year to have 50-60 billion. In the real benefit of rural cooperative medical insurance benefit compensation, more than 9,000,000 passengers, involving payment of the amount of nearly 1.85 billion.
Second, in the seven provinces of the National Housing agricultural insurance, according to statistics, more than 1280 more than 10,000 farmers took part in the work of the agricultural insurance room.
Third, we carried out an insurance of migrant workers. According to incomplete statistics, there are now about more than 150,000,000 migrant workers (including family members) migrant workers, and their accidental injuries, major property damage insurance services also a matter of urgency, we must do a good job in this regard, the work of the service, which is duty-bound to insurance Functions.
Fourth, according to family planning in rural families, to provide old-age pension, accident, maternal and child health, child insurance package of insurance services. As of the first half of 2008 in Beijing, Shaanxi and Hunan provinces and cities in 25, a total of 2,670,000 families received such insurance, payments about 29,520,000 yuan.
The fifth is to be carried out to explore the land of farmers old-age insurance issues, the work to promote a certain degree of difficulty, mainly in the strong support of the local government to carry out. Business covered 7 provinces and municipalities in 36 counties, farmers insurance has reached about 60,000, the premium income of 345 million, paid 77,910,000 yuan.
The next step will be to deepen our security services, some of the changes in the mode of service, innovative thinking, more in line with the launch of the needs of farmers, agricultural insurance in line with the needs of career services and products.
Three agricultural insurance system to protect a new level
Shanghai Securities News: Just now you mentioned CIRC is being put into practice the Party's Third Plenary Session of the 17's, what specific arrangements? How to make rural insurance to a new level?
Zhou ceremony: the next step, we will work in combination end of the year, to be held next year, as well as insurance work conference that a comprehensive deployment.
In 2006, the State Council issued 23 documents on the reform of the insurance industry on the development of a number of issues, stressed that great efforts to develop the agricultural insurance, which is in fact the Government to promote and support the importance of the policy document, is also a system of arrangements. State Council Legislative Affairs Office of China Insurance Regulatory Commission, the Ministry of Finance, the Ministry of Agriculture, National Development and Reform Commission, such as the drafting of a joint agricultural insurance regulations have been submitted to the State Council Legislative Affairs Office, also included in the national legislation, we are very pleased. Because the future of the agricultural insurance system, is a top priority.
In addition, the China Insurance Regulatory Commission also meet the National Development and Reform Commission, Ministry of Agriculture, the Ministry of Finance relating to the introduction of policies for supporting agriculture related insurance policy. It should be said that the country's agriculture over the past few years a greater financial strength, the National Development and Reform Commission's special funds to support agriculture include insurance; the Ministry of Agriculture has earmarked the funds for supporting agriculture; the State Forestry Administration and China Insurance Regulatory Commission also issued on agricultural property rights Reform of forestry insurance measures, in July this year, the state introduced a reform of the forestry system of property rights, with particular emphasis on the forestry insurance; housing and urban and rural areas in particular the Ministry of Construction noted that the farmers have to work on the problem of arrears of wages, some insurance protection With human resources and the Ministry of Labor and Social Security, the protection of the rights and interests of migrant workers, migrant workers to provide accident insurance to some of the work.
As a result, the protection of agricultural production and livelihood of farmers, is taken by the Government is actively promoting policies in support of the insurance industry market-oriented mode of operation for farmers and agricultural production needed to provide a full range of insurance services.
Shanghai Securities News: Insurance Law is also modified, insurance and agriculture insurance law have anything to do?
Zhou ceremony: Insurance Law and regulations should be combined organically. Bill is discussed in a separate question, how big of a separate law and regulations to coordinate, the system belonging to the building.
In terms of regulation, how to do a good job in the agricultural insurance, to increase the level of agricultural services, improve services and strengthen supervision to better serve agricultural production and farmers living in such areas, the China Insurance Regulatory Commission also issued a related regulatory approach.
And the establishment of rural financial adapted to the rural insurance
Shanghai Securities News: establishing a modern financial system in rural development in the agricultural insurance business is based on what?
Zhou ceremony: We have to address food production, increase farmers as a starting point and continue to do a good job in the agricultural insurance pilot work, constantly sum up experience, improve ways to raise the level to strengthen the supervision of norms to promote the agricultural insurance institutionalized and standardized.
In 2008, has also expanded the scope of the pilot, in support of the central and local financial support, on top of the active participation of farmers, and gradually promote the country, constantly sum up experience and improved step by step. The most important point, the farmers do not welcome, do not need to be through the insurance can not solve the problem, which is a focus of our work, the starting point, the end result. On this basis, to further expand insurance coverage to rural finance and combine.
Shanghai Securities News: How to set up rural financial and adapted to the rural insurance?
Zhou ceremony: the coverage of rural finance, services, directly determines the capacity to pay farmers and the level of the problem. Decided to finance the economy, finance is the core of the economy, it is necessary to solve the insurance industry and economic development issues, and address the economy. If we carried out a number of agricultural products (000,061, it shares) price of insurance, the effect is very good.
In the future, we strengthen the insurance industry and rural banks, postal services, rural credit cooperatives, and other agencies, can strengthen the finance of the "three rural" financial support and security risk, the next step, we have to further improve the insurance industry and the above-mentioned bodies The level and depth of cooperation.
Including: the establishment of financing mechanisms for cooperation with the insurance package. On the one hand, the rural credit cooperatives in rural areas such as banking institutions to improve the existing agricultural loans to households in the economic content of the file, household loans increased insurance records, and whether or not insured families to apply for loans, insurance category, the amount of insurance, life insurance, etc. Audit loans as an important factor; On the other hand, by the insurance companies to further enrich the agricultural insurance products, insurance services to improve the quality of play on the agricultural insurance to guard against and defuse the rural areas to the positive role of credit risk; The second is the establishment of agricultural insurance products to develop a mechanism . Joint development of micro-credit borrowers accidental injury insurance, property insurance borrowers and other new products, and in accordance with the "promotion of the overall market operation to ensure a comprehensive, low-premium," the principle of joint promotion; Third, improve the cooperation mechanism agent. Rural credit cooperatives and postal savings institutions with a broad network coverage, employees familiar with the basic knowledge of the financial business advantages, particularly after several years of accumulation, rural credit cooperatives have been set up for hundreds of thousands of farmers of the economic files, a better customer base, Agricultural insurance products through banking institutions into the rural market network provides an important channel for marketing and publicity. Insurance companies and their agents to carry out cooperation, not only to help publicity and marketing of agricultural insurance, insurance for the conservation of the rural insurance marketing network construction costs, and increased awareness of insurance for farmers, to facilitate the promotion of business loans, an increase of between one Business income and premium income can translate into savings, the realization of the Bank of agricultural insurance "win-win-win."
Micro-insurance
Is the entry point of rural insurance
Shanghai Securities News: China Insurance Regulatory Commission has been actively promoting micro-insurance, insurance for small farmers living in rural areas of the building, what advantage? In the promotion of micro-insurance, how to coordinate with the credit and other financial relationship between the means?
Zhou ceremony: the vast majority of farmers, mostly the lives of low-level, high premium costs will make expenditures Farmers premium capacity difficulties, it is difficult with the level of protection is a match. Therefore, we have to develop some of the relatively low premium to ensure an appropriate comparison, farmers can solve the practical problems of insurance.
The main problem is the production of the farmers lack of funds, they need to support micro-credit, but the lack of collateral, the loan shall see. If the micro-credit insurance and the opportunity to join would have been better to solve the problem. If the loan pledge to resolve the problem, so that farmers can use to apply for micro-finance policy as a condition to address the urgent needs of the production.
At present, the China Banking Regulatory Commission and China Insurance Regulatory Commission is studying such issues.
Shanghai Securities News: Next in the China Insurance Regulatory Commission to actively promote micro-insurance initiatives which will be?
Zhou ceremony: the insurance industry to participate fully in three agricultural insurance services preliminary results show, the next step we have to continue to improve. Earlier this year, the International Association of Insurance Supervisors to China as part of its micro-insurance in the world to carry out the pilot countries.
We are a major agricultural country, a small insurance mainly in the following areas:
First, personal insurance. To the development of some of the needs of farmers for the price relatively low insurance, with user-friendly method to solve the problem of production and life, especially personal security.
Second, in regard to micro-credit. We must and rural financial institutions, rural services, financial institutions, strictly to do a good job of micro-credit insurance, both of the repayment burden on the farmers to solve the problem, but also due to address the accidents, such as work-related injuries caused by the lack of ability to repay their loans, which must be An in-depth study.
Third, in the agricultural insurance. Agricultural modernization and mechanization is a way to increase the income of farmers, how to protect farming, to address the worries of farmers, but also to be carried out by the contents insurance.
In addition, we will continue to carry out agricultural insurance pilot project to increase the original planting, breeding, fisheries, cash crops, such as insurance work, according to farmers need to increase, the need for the development of modern agriculture, building new countryside Needs to carry out targeted a number of strong, able to effectively address the farmers to worry about the personal insurance lines.
Top priority is to establish catastrophe insurance fund
Shanghai Securities News: You made disaster prevention and reduction should be sooner, the establishment of agriculture and catastrophe reinsurance mechanism to spread the risk is of great significance. China Insurance Regulatory Commission in this regard will take measures?
Zhou ceremony: earthquakes, floods, and other great natural disasters can not accurately predict the extent of losses, and affected an extensive area, which has been a catastrophe risk management around the world together to face common challenges. China is the world's worst natural disasters one of the countries, earthquakes, floods, typhoons and other major natural disasters occur frequently, particularly this year's Wenchuan earthquake and freezing rain and snow disaster in the South, to the national economy and people's lives and property caused huge losses . Against such a background, how to learn from other countries in the world of practical experience, the establishment of catastrophe risk management systems to cope with major natural disasters, catastrophic effectively alleviate the country's economic and social development caused by the impact, the community has become the focus of the study subjects.
Agriculture and the establishment of a mechanism to spread the risks of catastrophic and far-reaching significance. Agriculture is a high-risk industry, the risk of catastrophic spread of the establishment of mechanisms for disaster prevention and mitigation, post-disaster compensation, the maintenance of agricultural production, health protection sustainable development.
Freezing rain and snow disasters this year, especially in Wenchuan earthquake, I deeply feel that the establishment of catastrophe insurance mechanism for the urgency and importance, it is now doing the matter. China Insurance Regulatory Commission has done a great deal of pre-research work, mainly in support of the policy, institutional framework, operational procedures and operating carrier, as well as the mode of operation, and management has done a study is now formed some preliminary views.
In the future, we must further promote this work. A new progress, we will seek a wide range of social views.
Shanghai Securities News: What do you think should be taken that way and means of promoting catastrophe insurance system before?
Zhou ceremony: I think it is necessary first to establish a fund to take the operation on a commercial model by the Government to carry out supervision and management by the industry, through long-term accumulation of a fund to deal with natural disasters and agricultural production among some of the uncertainty问题. The use of the resources of the whole society, the use of the global insurance mechanism to form a Chinese require agricultural catastrophe insurance and catastrophic insurance to protect the decentralized mechanism, which is a priority.
Catastrophe insurance fund for catastrophic insurance can be a separate management, will be a nationwide catastrophe risk together, unified risk management. Catastrophe insurance fund by the international reinsurance as well as the risk of catastrophic risk securitization will be distributed to the international reinsurance and capital markets, with the government to play its role as a bridge between the insurance companies.
Catastrophe insurance and general insurance business compared to a certain degree of policy, the government passed legislation in the form of support, on the one hand the Government to play a support role to play on the other hand, the insurance sector wide distribution, underwriting, claims advantages. Preliminary calculations, the mechanism adopted by the catastrophe, after more than two or three decades, the accumulation of 8 to pay for the 1-10000000 post-disaster payments, insurance completely done.
Three agricultural insurance idea: to consolidate a second breakthrough in the three innovation
Shanghai Securities News: the development of rural insurance, construction, agriculture and insurance policy significance? How to understand the cause of rural insurance?
Zhou ceremony: the key to economic development is to have a system can, insurance services, the building of new socialist rural areas of the market economy is an integral part of how the use of market mechanisms, we should first carry out a system specification. Once defined the terms, the system must be protected in accordance with the law regulation, which must be reflected by the system, which is inherent in the development of agricultural insurance needs and the objective requirements of the CPC Central Committee is to promote good and fast economic development, the benefits of agricultural policies An important part.
Rural insurance rose to a career, this is the stand of the CPC Central Committee in agriculture, rural areas, agriculture a strategic deployment of a major. The current research work is not only necessary, is to study the long-term development needs.
Shanghai Securities News: The next step in the development of agricultural insurance is a general idea of what?
Zhou ceremony: carry out the Party's Third Plenary Session of the spirit of the 17, three agricultural insurance in China Insurance Regulatory Commission will adopt a more proactive attitude in first start after the perfect first trial, after promoting the principle of play State-owned insurance companies as the main channel. Better protection of agricultural production, increase farmers to promote and safeguard food security, services, building a new socialist countryside.
On the three agricultural insurance development as a whole, three short words: the consolidation of a second breakthrough innovation in three.
In particular, the consolidation of one: the consolidation of the agricultural insurance policy basis for expanding the pilot agricultural insurance policy, agricultural policy to promote the steady and healthy development of the insurance. Second break: Small insurance for a breakthrough, the development of rural insurance in order to establish a mechanism to spread the risks of the breach, to raise the level of insurance services in rural areas. Three Innovation: innovation in the form of services, the formation of diversified insurance services; product innovation, including micro-credit establishment of credit insurance, loans to farmers to solve difficult problems; innovation system, including agricultural insurance legislation and regulations to develop the agricultural risk; further improve the China Insurance System ; Established as soon as possible catastrophe insurance mechanism to spread.
In the end, and to establish the level of productivity in rural areas, and rural consumption level of education adapted to the three agricultural insurance system with Chinese characteristics of the three agricultural insurance system.
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