Medical network - July 5, issued by the general office of the state council "about speed up the development of several opinions of the commercial endowment insurance (hereinafter referred to as" opinions "), the deployment of the development of commercial endowment insurance work.
"Opinions" pointed out that commercial endowment insurance is business insurance institutions, such as pension risk guarantee, pension fund management as the main content of insurance products and services, is an important part of old-age security system. Development of commercial endowment insurance, to improve the multi-level old-age security system, promote the development of the multi-level pension services diversification, deal with an ageing population trend and employment pattern new change, further ensuring and improving people's livelihood, promote social harmony and stability, etc. It is of great significance.
According to the opinion, the development of business pension insurance should adhere to reform and innovation and improve the level of guarantee. Adhere to policy guidance and strengthen market mechanism; We will continue to improve supervision and regulate market order. By 2020, basic build solid operational security has a wide, diverse products, services, professional ability strong, sustained moderate earnings, management integrity of commercial endowment insurance system, commercial endowment insurance become individual and family enterprise commercial old-age security plan of the main undertaker, launched the important provider of commercial endowment security, active participant in social old-age security market operation and healthy development of pension services strong facilitator, financial security and stability of economic growth.
The opinion is clear that the development of business endowment insurance will be promoted from four aspects. First, innovative business endowment insurance products and services. Encourage support commercial insurance institutions to develop diversified business endowment insurance products, actively developing high safety, strong protection, meet the requirements of long-term or lifelong to receive commercial old-age pension insurance, to actively participate in personal tax deferred model of commercial endowment insurance pilot, for individuals and families to provide personalized, differentiated old-age security. To promote the provision of enterprises (occupational) annuity schemes and other products and services to the commercial insurance institutions, and to provide diversified pension security options for the employment groups of innovative and entrepreneurial enterprises. We will encourage commercial insurance institutions to provide support and services for the reform of the old-age insurance system, and participate in the basic old-age insurance fund and the national social security fund investment and operation management according to law. Second, we will promote the healthy development of the old-age service industry. We will encourage commercial insurance institutions to invest in the old-age service industry, provide insurance services for pension institutions, and establish a comprehensive old-age pension plan. Third, we will promote the safe and prudent operation of business pension insurance funds. Adhere to the principle of risk control, business sustainable, giving full play to the advantages of commercial endowment insurance fund long-term investments, steady and orderly participation in national major strategic development, participate in major projects and the construction of the people's livelihood, promote the coordinated development of commercial endowment insurance fund and the capital market, carefully carry out overseas investment business. Fourth, improve the level of management services. We will strengthen institutional building, improve service quality, develop professional institutions, strengthen supervision and management, and realize the protection and reasonable return of commercial pension insurance, and raise the level of insurance protection.
"Opinion" emphasized that all localities and departments to strengthen organizational leadership and department coordination, positive research to solve a major issue in the development of commercial endowment insurance, strengthen the investment and finance and tax policy support, such as perfecting local security policy support, to create a good external environment for healthy development of commercial endowment insurance.
The general office of the state council has a number of views on accelerating the development of business pension insurance
The state has been set up [2017] 59
The people's governments of the provinces, autonomous regions and municipalities directly under the central government, the ministries and commissions of the state council and the departments directly under the state council:
Commercial endowment insurance is business insurance institutions, such as pension risk guarantee, pension fund management as the main content of insurance products and services, is an important part of old-age security system. Development of commercial endowment insurance, to improve the multi-level old-age security system, promote the development of the multi-level pension services diversification, deal with an ageing population trend and employment pattern new change, further ensuring and improving people's livelihood, promote social harmony and stability, etc. It is of great significance. For further implementation of "the central committee of the communist party of China on comprehensively deepen reform certain major issue decision", "the several opinions on accelerating the development of pension services under the state council (guo fa [2013] no. 35), the state council of the several opinions on the speed up the development of modern insurance industry (guo fa [2014] no. 29), and other documentation requirements, agreed to by the state council, now will speed up the development of commercial endowment insurance to put forward the following opinions:
I. general requirements
(1) guiding ideology.
Fully implement the party's 18 large and 18 sixth plenary session of 3, 4, 5, spirit, deeply carry out important speech spirit of general secretary xi series new concepts, new ideas and governing the new strategy, we will conscientiously implement the party central committee and the state council decision deployment, firmly establish a new development concept, in order to improve the development quality and efficiency as the center, in order to promote the supply side of the structural reform as the main line, to cope with an aging population, meet the demand of the increasing old-age security of the people, promote social harmony and stability as a starting point, in order to improve the old-age risk guarantee mechanism, improve pension fund use efficiency, optimization of pension financial service system for the direction, relying on the commercial insurance agency professional advantage and market mechanisms, expand the commercial endowment insurance products supply, broaden the service areas, improve security ability, give full play to the commercial endowment insurance in the old-age security system, promoting the development of pension services, promote economic efficiency upgrading of powerhouse.
(ii) basic principles.
We will persist in reform and innovation and improve the level of security. To cope with an aging population, ensuring and improving people's livelihood as the guidance, adhere to the focus on its main business, we will deepen reform of the commercial endowment insurance systems and mechanisms and stimulate creativity, increase endowment ensure the supply of products and services, improve service quality and efficiency, to better meet people's diversified and multi-level old-age security requirements.
We will adhere to policy guidance and strengthen market mechanisms. We should give full play to the role of government guidance and promotion, give the necessary policy support to the development of business pension insurance, and create a favorable policy environment. We should give full play to the decisive role of the market in resource allocation, and encourage the special and differentiated development of market entities and related businesses.
We will continue to improve supervision and regulate market order. Always maintain insurance consumers' legitimate rights and interests as the starting point and the foothold, the regulation of commercial endowment insurance stick to the bottom line of thinking, perfect the institutional system, strengthen supervision coordination, strengthen the system implementation, put an end to administrative levies and sold, equal participation, the market environment of fair competition, integrity specification.
(iii) main objectives.
By 2020, basic build solid operational security has a wide, diverse products, services, professional ability strong, sustained moderate earnings, management integrity of commercial endowment insurance system, commercial endowment insurance become individual and family enterprise commercial old-age security plan of the main undertaker, launched the important provider of commercial endowment security, active participant in social old-age security market operation and healthy development of pension services strong facilitator, financial security and stability of economic growth.
Ii. Innovative commercial endowment insurance products and services
(4) enrich the supply of commercial old-age insurance products and provide individualized and differentiated pension security for individuals and families. Support commercial insurance institutions to develop diversified business endowment insurance products to meet the needs of individuals and families in the areas of risk protection and wealth management. We will actively develop high security, strong guarantee, and meet long-term or lifelong requirements for commercial pension insurance. Support eligible commercial insurance institutions to participate actively in the individual tax deferred business pension insurance pilot. In view of the needs of special groups such as one-child family, childless family and "empty-nest" families, we will explore a comprehensive pension plan that covers a wide range of insurance products and services. We will allow the business pension insurance institutions to develop a long-term pension function that meets the characteristics of life cycle management in accordance with the law.
(5) to promote business insurance institutions to provide products and services such as enterprise annuity schemes. To encourage the development of commercial insurance institutions and to collect the commercial insurance business connected with enterprises (professional) annuities, and strengthen the pension function of the fund. Support eligible commercial insurance agency to apply for relevant qualifications, actively participate in enterprise annuity fund and occupational pension fund management, the fund trustee, account management, investment management, etc, to provide quality and efficient services. We will encourage commercial insurance institutions to cater to the market demand of innovative and entrepreneurial enterprises, enrich the supply of business pension insurance products, optimize relevant services, and provide diversified pension security options.
(6) encourage commercial insurance institutions to give full play to industry advantages and provide business services and support. We should give full play to the advantages of commercial insurance institutions in actuarial management and service resources, and provide technical support and related services for the reform of the old-age insurance system. Support eligible, commercial insurance institutions take advantage of asset management, in accordance with the law in accordance with the rules in order to participate in the basic endowment insurance fund and the national social security fund investment operation, promote the endowment insurance fund and social security fund value.
We will promote the healthy development of the old-age service industry
(7) encourage commercial insurance institutions to invest in old-age service industries. Giving full play to the advantages of commercial endowment insurance fund long-term, stability, follow the principle of compliance in accordance with the law, secure, with investment, equity participation, new acquisitions, leasing, trust, positive run support through community and keeping in good health, physical examination and rehabilitation management, medical care, leisure, raise pension health service facilities and institutions, such as to provide support to related institutions to research and development production elderly supplies, increase endowment service supply. We will encourage commercial insurance institutions to actively participate in the pilot reform of the comprehensive reform of the old-age service industry, and accelerate the construction of the old-age service system in the pilot areas.
(8) support commercial insurance institutions to provide risk protection services for pension institutions. We will explore the cooperation model between commercial insurance institutions and various pension institutions, develop comprehensive liability insurance for the risk requirements of pension institutions and improve the operation efficiency and robustness of pension institutions. Support the development of the commercial insurance institutions for community day care center, the elderly activity center, nursing home, mutual aid community endowment service center, such as the elderly short-term foster and style leisure activities agency liability insurance.
(9) to establish a comprehensive pension plan for the elderly. For the elderly pension security requirements, adhere to ensure moderate, reasonable premium, the policy rule, vigorously develop the old accident injury insurance, the elderly long-term care insurance, the elderly housing reverse mortgage endowment insurance such as optimum described strong commercial insurance, perfecting the policy loans, diversified forms of pension payments and other supporting financial services. We will gradually establish a comprehensive old-age care plan for the elderly, such as long-term care for the elderly, a combination of health care, and a combination of medical care, and a sound service guarantee system for old-age care, rehabilitation, nursing and medical care.
Fourth, we will promote the safe and prudent operation of the fund for business pension insurance
(10) give full play to the long-term investment advantage of commercial pension insurance funds. We should adhere to the principle of risk control and commercial sustainability, and promote the steady and orderly participation of commercial pension insurance funds in the implementation of major national strategies. Support commercial endowment insurance funds through bond investment, equity investment plans, real estate investment, asset backed plans, insurance asset management products, such as form, participate in major infrastructure areas, turn shantytowns into new housing areas, new urbanization construction and other major projects and the construction of the people's livelihood, service science and technology enterprises, small and micro enterprise, strategic emerging industries, sex life new formats, such as development, power mixed ownership reform of state-owned enterprises.
(xi) to promote the coordinated development of business pension insurance funds and capital markets. Play to the commercial insurance institutions as the positive role of capital market long-term institutional investors, in accordance with the orderly participation in stocks, bonds, securities investment fund in areas such as investment, for steady and healthy development of capital market to provide long-term, stable funding support, specification in order to participate in the construction of capital market.
(12) to carry out the investment of overseas investment in business pension insurance. Under the precondition of risk control, we will steadily develop the overseas investment business of commercial endowment insurance, rationally allocate foreign assets and optimize the configuration structure. Support the commercial endowment insurance fund through the relevant free trade pilot area to carry out overseas market investment; In accordance with the principle of sustainable business, in order to participate in the silk road fund, the Asian infrastructure investment bank and the brics countries dominated investment projects such as the new development bank, national strategy of "going out" better service.
Improve management service level
Strengthening institutional construction. We will adhere to the system, improve the system of business pension insurance management, optimize the business process, improve operational efficiency, and enhance the standardization of the operation of business pension insurance. We will refine and improve business rules in key investment areas of commercial endowment insurance, strengthen the management of quotas, and explore the establishment of a hierarchical management mechanism for overseas investment. We will improve the guiding policy of the national strategy of business pension insurance service and support the supporting policies for the development of the real economy.
Improving service quality. We will develop a service standard for business pension insurance and build a service evaluation system based on the satisfaction of insurance consumers. We will push forward the development of a customer-centric operation management system, use modern technology means, promote innovation in sales channel and service model, and provide efficient and convenient service for insurance consumers. We will focus on key services such as sales, underwriting and compensation, focus on improving the quality of services, improve the consumer experience of insurance consumers, and consolidate the cultivation of commercial brands and credibility.
(15) development of professional institutions. We will improve the professional ethics and professional quality of business pension insurance practitioners, increase the training and introduction of professional talents, and improve professional education. Support eligible commercial insurance institutions established commercial endowment insurance institutions, broaden the folk capital to participate in commercial endowment insurance institution investment operating channels, allow professional ability, high market reputation overseas professional bodies of investment of commercial endowment insurance institution.
(16) to strengthen supervision and management. We will improve the regulation of business pension insurance, strengthen supervision and inspection, standardize the market order of the business pension system, and strengthen the protection of insurance consumers' rights and interests. We will implement the solvency regulatory system, strengthen the supervision of the use of commercial endowment insurance funds, and improve the mechanism for risk monitoring and early warning and information disclosure. Supervise and urge the commercial insurance institutions to strengthen the construction of investment and risk control ability, strengthening the management of assets and liabilities matching and risk control, prevent investment risks, realize the value of commercial endowment insurance funds and reasonable return, enhance the level of insurance.
Sixth, improve support policies
(17) strengthening organizational leadership and coordination with departments. All localities and departments concerned to accelerate the development of commercial endowment insurance into improving the old-age security system and speed up the development of the overall deployment of pension services, enhancing communication and coordination, innovation system and mechanism, actively on the major issues in the development of commercial endowment insurance. The relevant departments can refine and improve the supporting policy measures according to the spirit of this opinion. The people's governments of the provinces (autonomous regions and municipalities) may, in combination with the actual implementation of the concrete implementation opinions, promote the sustainable and healthy development of business pension insurance in the region.
(18) to strengthen policy support such as investment and taxation. Research to develop commercial endowment insurance service investment entity economy support policy, perfect the risk safeguard mechanism, commercial endowment insurance financial services for national strategy, investment in major projects, support of the people's livelihood engineering construction to provide the green channel and priority support. We will implement preferential taxation policies for supporting the development of modern insurance services and old-age service industries, and exempt the income from value-added tax on insurance premiums for people with insurance for more than one year. We will launch a pilot of private tax deferred business pension insurance by the end of 2017. To study and formulate relevant policies of commercial insurance institutions participating in the investment and operation of the national social security fund.
(19) to improve local support policies. People's government of provinces, autonomous regions and municipalities to overall planning development of pension services, encourage qualified commercial endowment insurance institution investment services, well implement land protection policy of pension service facilities. Support commercial insurance institutions in accordance with the law in accordance with the rules in the endowment institutions invest in Settings such as hospitals, clinics, rehabilitation center of medical institutions, eligible into urban and rural basic medical insurance fixed-point range according to regulations. Support commercial insurance institutions in housing reverse mortgage endowment insurance business, in the real estate transaction, registration, notarization institutions set up a green channel, reduce the charge standard, simplify procedures, improve service efficiency.
Create a favorable environment. We will vigorously promote the knowledge of business pension insurance and enhance the awareness of the people's commercial endowment insurance. We will give priority to the needs of the people's diverse old-age care system in the form of business pension insurance, increase publicity and actively promote the mature experience. We will strengthen the construction of the insurance integrity system, and promote the implementation of the joint incentive and the joint punishment mechanism. We will strengthen the self-discipline of the industry, promote fair and competitive cooperation, and create a favorable environment for the healthy development of commercial old-age insurance.
The general office of the state council
June 29, 2017
(the public release)
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