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普惠保险如何 创新破局迈向高质量发展
Jin Rong Shi Bao· 2025-08-27 01:56
近年来,我国普惠保险在政策引导、市场创新与科技赋能下加速发展,以"小保费"撬动"大保障", 为亿万群众筑牢风险防线。不过,普惠保险尚处于发展的初期阶段,在供需平衡、可持续发展等方面面 临挑战。 如何实现高质量、可持续的发展,成为普惠保险必须回答好的问题。 政策体系织密保障网 顶层设计与地方实践同频共振 相关数据显示,截至2024年末,我国基本医疗保险和基本养老保险覆盖率达95%以上,但仍有超过 2.9亿灵活就业人员、2.67亿60岁以上老人等群体面临个性化风险,这些群体也难以跨越传统商业保险产 品的"高门槛"。 为弥补这一风险缺口,监管层积极部署。2024年,金融监管总局发布《关于进一步推动普惠保险高 质量发展的指导意见》,首次系统界定普惠保险的覆盖范围与重点服务领域; 2025年,金融监管总局 和中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方案》,从优化普惠金融服务体系、 巩固提升普惠信贷体系和能力、加强普惠保险体系建设、组织保障等方面提出16条措施,引导银行业保 险业提升普惠金融服务能力,推动综合普惠金融体系的高质量发展。 地方层面的政策探索也在同步推进。比如,山西金融监管局联合山西省市场监督 ...
普惠保险驶入快车道 如何寻找“可持续”平衡点?
普惠保险增量扩面 2024年6月,国家金融监管总局发布了《关于推动普惠保险高质量发展的指导意见》,系统阐明了普惠 保险的内涵、目标、原则,擘画了未来5年普惠保险发展蓝图,为行业实践提供了清晰的路径。 中国普惠金融研究院(CAFI)研究显示,当前普惠保险占整体保险保费收入约7%,未来5年,随着数 智化发展、生态中多方力量协同等,普惠保险保费规模将达到约万亿元,市场份额将会翻一番。这也意 味着普惠保险将在金融体系中占据更重要的地位。 记者注意到,近年来,普惠保险产品服务供给不断丰富。2023年7月,山西金融监管局联合山西市场监 督管理局、山西财政厅共同印发了《山西省个体工商户保险保障项目实施方案》,增强了个体工商户风 险抵御能力;同年,深圳金融监管局会同深圳市人力资源和社会保障局等共同印发了《深圳市新就业形 态劳动者综合保障实施方案》,为新业态劳动者提供意外伤害保障,构筑了综合保障安全网。 "扩大普惠保险的覆盖面是起点,终点是我们要把它做成可持续性的业务,这中间就是要坚守商业属 性,按照保险的规律进行市场化的运作,使它能够解决'不可能三角'的问题,使普惠保险能够走上健康 发展的轨道,得以发挥它应有的价值。"徐敬惠 ...
既普又惠 好用不贵——中国人寿财险烟台市中心支公司构建普惠保险新生态
Core Viewpoint - The insurance industry plays an irreplaceable role as an economic "shock absorber" and social "stabilizer," contributing to economic stability, social welfare, and modern governance [1] Group 1: Inclusive Insurance Products - The company has developed inclusive insurance products that are accessible, affordable, and sustainable, aiming to create a new ecosystem of "both inclusive and beneficial" insurance [1] - In 2024, the company provided risk coverage exceeding 547.9 billion yuan, serving over 6.5 million customers and making compensation payments of over 7.49 million yuan [1] Group 2: Support for Small and Micro Enterprises - The company focuses on enhancing effective insurance supply for small and micro enterprises, expanding its insurance offerings from traditional credit guarantee insurance to include technology and green insurance [1][2] - An innovative product has reduced the bridge financing cycle from over 20 days to 3-4 days, benefiting 352 small and micro enterprises with 290 million yuan in financing [2] - The company has developed marine insurance products covering over 27,000 acres, providing 68.4 million yuan in risk coverage for aquaculture enterprises [2] Group 3: Social Welfare and Community Support - The company has introduced a wage payment guarantee insurance product for migrant workers, releasing 130 million yuan in guarantee funds for construction enterprises [3] - A special initiative for delivery riders has improved their safety on the road, reducing collision risks [3] - The company has integrated into local social security systems, providing coverage for 12.94 million people with a total annual guarantee amount of 42 million yuan [3] Group 4: Future Outlook - The company aims to enhance inclusive finance through technology-driven risk identification and innovative solutions, transitioning from a single risk compensation model to a comprehensive "prevention-coverage-service" approach [4]
江苏金融监管局:持续推动小微企业融资提质增效
Zhong Zheng Wang· 2025-08-01 08:22
Core Viewpoint - The Jiangsu financial regulatory bureau has implemented a comprehensive mechanism to enhance financing accessibility for small and micro enterprises, achieving significant results in loan issuance and satisfaction levels among businesses [1][2]. Group 1: Financing Support for Key Sectors - Strong support for private enterprises has been established, with a loan balance of 7.9 trillion yuan, reflecting a year-on-year growth of 10.7% [2]. - Initiatives have been launched to stabilize foreign trade enterprises, providing credit support of nearly 500 billion yuan to 27,000 foreign trade companies this year [2]. - A tiered service approach for micro-enterprises has been initiated, resulting in an increase of 230,000 individual business loan accounts compared to the previous year [2]. - Financial talent has been mobilized to empower rural revitalization, creating a service model that combines financial expertise with grassroots governance [2]. Group 2: Service Innovations in Financial Support - A refined enterprise profiling system has been developed to enhance credit assessment efficiency by integrating various data sources [3]. - A diversified product matrix has been introduced to meet the comprehensive needs of enterprises, with over 6.5 trillion yuan in loans issued under government-bank cooperation [3]. - Specialized bank-enterprise activities have been organized to assist businesses in market expansion and consumer engagement [3]. - The "Su Yi Rong" inclusive financial service platform has been upgraded to facilitate access to various financial products for enterprises [3]. Group 3: Mechanisms for Efficient Operation - An incentive mechanism has been established to encourage banks to actively participate in small and micro enterprise financing, with performance evaluations linked to financing outcomes [4]. - A cost-reduction mechanism has been implemented, resulting in a 34 basis point decrease in the interest rates for newly issued inclusive small micro loans this year [4]. - A support mechanism has been created to assist struggling enterprises, including a "joint diagnosis" approach to help restore creditworthiness [4]. Group 4: Ensuring Effective Coordination - The Jiangsu financial regulatory bureau has swiftly established a working mechanism to guide banks in providing effective financial services [5]. - A large-scale outreach initiative has been launched to enhance financial service penetration, conducting nearly 50 bank-enterprise matching events this year [5]. - A comprehensive promotional campaign has been initiated to increase awareness of financial services and products available to businesses [5].
揭秘小生意背后34万亿“财富源”:中国普惠金融“行”
Nan Fang Du Shi Bao· 2025-07-14 00:12
Core Insights - The central financial work conference in October 2023 highlighted "inclusive finance" as one of the "five major articles" for financial development in China, indicating a significant policy focus on this area [2][3] - The implementation of the "High-Quality Development Plan for Inclusive Finance" by the National Financial Supervision Administration and the People's Bank of China in June 2025 marks a shift from principles to detailed guidelines, accelerating the progress of inclusive finance [4][5] Financial Services - Inclusive finance has become a key driver for economic growth and social equity, with a focus on providing affordable financial services to various social groups, including small and micro enterprises, farmers, and low-income urban residents [3][7] - The People's Bank of China has increased the quota for re-lending to support agriculture and small enterprises, raising the total quota to 3 trillion yuan, with a current interest rate of 1.5% for re-lending [6][7] Insurance Sector - Inclusive insurance is expanding to cover health risks and support rural revitalization, with various projects like "Hui Min Bao" providing affordable health insurance to millions [8][10] - The government is promoting a diverse range of insurance products tailored to the needs of small enterprises and specific groups, enhancing the safety net for vulnerable populations [9][10] Capital Markets - The capital market is emerging as a new engine for inclusive finance, with initiatives to enhance its accessibility and effectiveness in serving small and micro enterprises [11][12] - By the end of 2025, regional equity markets are expected to support around 180,000 enterprises, primarily small businesses, indicating a growing role for capital markets in inclusive finance [11][12] Challenges and Future Directions - Despite progress, challenges remain in providing affordable financial services to various demographics, particularly in rural areas and for new employment forms [13][14] - The need for innovative financial products and services tailored to the unique needs of different groups is critical for the continued development of inclusive finance [14][15]
贝多广:正确理解普惠金融
清华金融评论· 2025-07-03 11:03
Core Viewpoint - The conference emphasized the importance of inclusive finance as a key component of China's financial strategy, focusing on its broad scope beyond just credit services to encompass a comprehensive service ecosystem [1][4][11]. Group 1: Understanding Inclusive Finance - Inclusive finance is often misunderstood as merely providing widespread and discounted financial services; however, its true essence lies in inclusivity, ensuring that marginalized groups have access to financial services [6][7]. - The term "Inclusive Finance" should be accurately interpreted, as it highlights the need to serve those typically overlooked by financial institutions, thereby addressing social inequality [7][8]. Group 2: Scope of Inclusive Finance - Inclusive finance encompasses a wide range of financial services, including credit, insurance, equity investment, and more, rather than being limited to just microloans [8][11]. - The importance of consumer finance is highlighted, as it plays a crucial role in supporting the daily lives of low-income individuals, demonstrating that inclusive finance is vital for economic stability [9][10]. Group 3: Current Challenges in Inclusive Finance - The existing inclusive finance ecosystem faces several shortcomings, including the need for community banks that can operate with dual objectives, and the recognition that inclusive insurance may be more critical than inclusive credit [11]. - There is a call for financial support for entrepreneurship, particularly in rural areas, to aid in revitalizing local economies and addressing employment challenges [11]. Group 4: Future Directions of Inclusive Finance - The future of inclusive finance is closely tied to digital and intelligent finance, indicating a shift towards more advanced technological integration in financial services [12]. - Other financial sectors, such as green finance and pension finance, must also align with the principles of inclusive finance to ensure comprehensive coverage and support for underserved populations [12].
★两部门明确未来5年普惠金融发展"任务书"
Zheng Quan Shi Bao· 2025-07-03 01:55
Core Viewpoint - The implementation plan for high-quality development of inclusive finance in the banking and insurance sectors aims to establish a comprehensive inclusive financial system over the next five years, focusing on inclusive financial services, credit, and insurance [1][2]. Group 1: Inclusive Financial Services - The plan emphasizes the need to optimize the inclusive financial service system, enhance the quality and efficiency of credit services for small and micro enterprises, and strengthen credit support for agriculture, rural areas, and impoverished regions [1][2]. - It highlights the importance of equal protection for the financial rights of private enterprises, ensuring fair trading rights, informed consent, and information security [2]. Group 2: Inclusive Credit - The plan specifies the need to continuously increase credit resource input and improve the management system for inclusive credit, particularly for private enterprises with good credit and growth potential [2]. - As of the end of April, the balance of inclusive micro loans reached 34.3 trillion yuan, reflecting an 11.9% year-on-year growth, which is higher than the growth rate of other loans [2]. Group 3: Inclusive Insurance - The plan outlines further development in inclusive insurance, including the establishment of specialized mechanisms within insurance companies, diversification of insurance products, and enhancement of regulatory policies [2][3]. Group 4: Organizational Support - The plan stresses the importance of organizational coordination, team building, and digital empowerment to ensure the successful execution of tasks [3]. - Financial management departments are encouraged to improve risk monitoring and management capabilities, utilizing technologies such as cloud computing and big data to optimize service models and reduce costs [3].
【新华解读】政策持续加码 监管明确未来五年普惠金融发展目标
Xin Hua Cai Jing· 2025-06-27 06:42
Core Viewpoint - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive inclusive financial system over the next five years, focusing on inclusive financial services, credit, and insurance [1][2]. Group 1: Development Goals - The plan outlines that inclusive finance has made significant progress in recent years, enhancing financial service accessibility and supporting national strategies [2]. - The central financial work conference emphasizes the importance of inclusive finance in serving the public and guiding its development direction [2]. - The plan is based on effective past policies and aims to improve the capacity and level of inclusive financial services for the public [2]. Group 2: Inclusive Credit and Insurance Systems - The plan emphasizes the need to enhance the inclusive credit system, improve management, and support small and micro enterprises, agriculture, and specific groups [4]. - Inclusive insurance is highlighted as a key area, with the introduction of various "benefit insurance" products that strengthen the connection between commercial insurance and basic medical insurance [5]. - The plan aims to balance risk and sustainability in inclusive credit, encouraging financial institutions to improve their customer profiling capabilities [4]. Group 3: Implementation and Future Outlook - The financial regulatory authorities will ensure the implementation of the plan, aiming to alleviate financing difficulties and insufficient protection for the real economy [6]. - The dual promotion of inclusive credit and insurance is expected to inject new momentum into high-quality economic development [6].
16条措施!金融监管总局、中国人民银行联合发布
Jin Rong Shi Bao· 2025-06-27 06:22
Core Viewpoint - The new policy support for inclusive finance aims to enhance the quality and accessibility of financial services, particularly for underserved sectors and regions, through a comprehensive development plan outlined in the "Implementation Plan" [1][4]. Group 1: Policy Framework - The "Implementation Plan" includes six parts and 16 measures focusing on optimizing the inclusive financial service system, strengthening inclusive credit systems, and enhancing insurance frameworks [1]. - The plan emphasizes the establishment of a high-quality inclusive financial system within five years, aiming for broader coverage, improved accessibility, and enhanced service quality [4][5]. Group 2: Development Goals - The plan sets specific targets for inclusive financial services, inclusive credit, and inclusive insurance, including maintaining full coverage of basic financial services and optimizing credit structures [5]. - It aims to provide affordable and sustainable financial products, particularly for small and micro enterprises, while improving insurance services for key areas [5][9]. Group 3: Institutional Support - The plan encourages the establishment of specialized departments within large banks for inclusive finance and supports local banks in focusing on rural and small enterprise financing [7][8]. - It calls for a multi-tiered, widely accessible, and sustainable financial institution system to better serve diverse financial needs [7]. Group 4: Credit System Enhancement - The plan proposes incentives for small and micro enterprises, including reduced risk capital weight for loans and a tolerance for higher non-performing loan rates [9]. - As of the first quarter of this year, the loan balance for private enterprises reached 76.07 trillion yuan, a year-on-year increase of 7.41%, while loans for inclusive small enterprises reached 35.3 trillion yuan, growing by 12.5% [9]. Group 5: Support for Private Enterprises - The plan includes measures to strengthen credit support for private enterprises, ensuring equitable access to financial services and protecting their rights [10].
普惠金融加速,两部门方案绘制五年新蓝图
Huan Qiu Wang· 2025-06-27 02:15
Core Viewpoint - The "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Sectors" outlines a clear roadmap for the development of inclusive finance in China over the next five years, aiming to enhance common prosperity through inclusive finance [1][4]. Group 1: Inclusive Finance Development - The plan aims to establish a high-quality comprehensive inclusive finance system within five years, optimizing the inclusive finance service system and improving financial services in rural areas [4]. - It emphasizes the enhancement of credit services for small and micro enterprises, increasing credit supply to the agricultural sector, and strengthening credit support for private enterprises with good market potential and creditworthiness [4][5]. Group 2: Insurance Sector Improvements - The plan encourages insurance companies to diversify their product offerings, including expanding agricultural insurance and developing insurance products tailored for small and micro enterprises [4]. - It aims to provide affordable and high-quality insurance services for key areas such as agriculture and small enterprises, while simplifying claims processes to enhance service experience [4]. Group 3: Implementation Measures - The plan outlines specific policy measures from three aspects: optimizing services, consolidating credit, and strengthening insurance, along with organizational support requirements across five dimensions [5]. - It highlights the need for collaboration among financial management departments and banking institutions to ensure effective implementation and communication of policies [5]. Group 4: Commitment to Financial Environment - The joint release of the plan by the two departments reflects the government's strong commitment to improving the financial environment and serving the real economy [5]. - The implementation of the plan is expected to accelerate the formation of a more inclusive, efficient, and convenient inclusive finance ecosystem, contributing to high-quality economic development and common prosperity for all [5].