在中国人民大学中国普惠金融研究院昨日举办的"从数字化农业保险到绿色乡村振兴——绿色农业 保险专题研讨会"上，原中国保监会副主席周延礼表示，要持续发挥保险保障作用，多角度、多措施、 多层次地助力乡村振兴。 周延礼表示，保险公司应充分利用信息科技、网络化、智能化和数字化能力，通过运用大数据、云 计算、卫星遥感、无人机、远程查勘等技术手段，健全精准高效的查勘定损机制，提升保险理赔效率， 为智慧农业、数字农业发展保驾护航。 由于缺乏合适的抵押品、信用体系不健全，农户长期面临贷款难题。周延礼表示，应积极探索"保 险+银行+政府"的多方信贷风险分担补偿机制，通过小额贷款保证保险试点拓宽保险增信途径，低成本 盘活农户资产，缓解农户贷款难、贷款贵等问题。 同时，对于农民自身而言，保险业还应重点对农村居民的健康险业务、定期寿险业务、意外险业务 做出探索。"可以给贫困人口提供住房风险保障，对农村低保户、五保户家庭人员和农村孤儿提供'两保 一孤'大病补充保险，推动保险资金到西部地区去。" 周延礼表示。 周延礼认为，还应该利用保险手段防止脱贫人口因病、因学返贫。尤其是一些老少边穷地区，应该 利用保险手段巩固脱贫成果。不断改革创新，理 ...

Group 1 - The implementation plan aims to establish a high-quality inclusive financial system over the next five years, promoting common prosperity and optimizing the inclusive financial service system [1] - The plan includes enhancing the inclusive financial service system, consolidating the inclusive credit system, and strengthening the inclusive insurance system [1] - Specific measures involve improving the multi-level inclusive financial institution system, enhancing credit services for small and micro enterprises, and developing specialized insurance products [1][2] Group 2 - Experts believe the implementation plan will improve the quality and efficiency of inclusive financial services, promote balanced distribution of financial resources, and enhance risk management [2] - The banking and insurance sectors are expected to accelerate technological investments and innovate service models, such as smart credit and digital rural finance [2] - As of Q3 2024, the balance of loans for small and micro enterprises reached 79.8 trillion yuan, with inclusive loans for small micro enterprises growing by 14.7% year-on-year [2] Group 3 - Supporting the high-quality development of small and micro enterprises is essential for stabilizing the macro economy and promoting employment [3] - Regulatory bodies are encouraging financial institutions to innovate products and expand inclusive financial services [3] - Analysts predict that the banking sector will see significant performance improvements due to coordinated fiscal and monetary policies, and a favorable interest rate environment [3] Group 4 - Industrial and Commercial Bank of China (ICBC) is a leading bank in inclusive financial loans, offering online products like "Business Quick Loan" and "Online Loan" [4] - Agricultural Bank of China (ABC) has a high coverage rate in rural areas and provides various online products to support agricultural financing [5] - Ping An Insurance has developed a model combining credit guarantee insurance with bank loans to assist small micro enterprises lacking collateral [5]