广东：积极推进“灾害救助+金融保险”试点工作

Core Viewpoint - The Guangdong Financial Regulatory Bureau has released guidelines to support the high-quality development of the insurance industry, aiming to enhance disaster insurance systems and contribute to the modernization of Guangdong province in China [1] Group 1: Disaster Insurance System Development - The guidelines propose the establishment of a disaster insurance guarantee system, including catastrophe insurance, disaster livelihood insurance, and policy-based rural housing insurance [1] - There is an emphasis on increasing financial support and promoting pilot projects that integrate disaster relief with financial insurance [1] - The exploration of a provincial-level catastrophe insurance co-insurance body is encouraged to enhance multi-party participation and risk diversification [1] Group 2: Rural and Emergency Insurance Initiatives - The guidelines suggest the development of rural road disaster insurance and expanding funding channels for post-disaster recovery to improve reconstruction efficiency [1] - There is a focus on optimizing disaster service in insurance, enhancing regular risk reduction management, and coordinating emergency resources within the insurance industry [1] Group 3: Integrated Disaster Management - The establishment of a collaborative response mechanism with local government disaster emergency management systems is highlighted to improve service efficiency [1] - The guidelines aim to enhance the integration of disaster prevention, emergency rescue, and timely compensation services [1] - A mechanism for pre-compensation in disaster insurance is to be improved, ensuring that claims are processed efficiently and fairly [1]