北京商报讯(记者李秀梅)1月6日，广东金融监管局官网公布《关于支持我省保险业高质量发展助力广东 在中国式现代化建设中走在前列的指导意见》(以下简称《指导意见》)。 《指导意见》提出，推动灾害保险保障体系建设，健全完善巨灾保险、灾害民生保险、政策性农房保险 等制度，加大财政支持力度，积极推进"灾害救助+金融保险"试点工作。探索在省级层面建立巨灾保险 共保体，鼓励健全多方参与、风险分散的巨灾保险保障体系，强化数据回溯，优化产品体系，探索巨灾 保险可持续发展路径。探索开展农村公路灾毁保险，拓展灾后修复资金筹措渠道，提升灾后重建效率。 优化保险大灾服务，加强常态化风险减量管理，统筹保险业大灾应急资源，科学建设救灾物资应急仓。 建立与各级地方政府大灾应急管理体系协同响应的工作机制，强化跨部门协同，提升大灾保险服务工作 效率。优化保险业大灾防御协同和车险查勘理赔互认工作机制，持续提升灾前防灾减损、灾中应急救 援、灾后及时赔付相结合的保防救赔一体化服务能力。完善灾后保险预赔付机制，做到应赔尽赔、能赔 快赔、合理预赔。 ...

Core Insights - The insurance industry in Laiwu has rapidly mobilized resources and coordinated efforts to provide emergency rescue and claims services following extreme rainfall and flash floods in the region [1][2][3] Group 1: Emergency Response - Laiwu Insurance Association activated an emergency plan and established a joint disaster response team to assess damage and facilitate claims [1] - Insurance companies deployed teams to the disaster area to evaluate property damage and ensure timely claims processing [2] Group 2: Collaboration and Resource Allocation - Multiple insurance institutions, including PICC Property and Casualty, China United Insurance, and China Life, collaborated with local government agencies to assess damage and provide support [2] - A rapid payment channel for agricultural insurance claims was established to ensure timely compensation for affected farmers [2] Group 3: Claims Processing and Support - A green claims channel was opened, simplifying the claims process and enhancing efficiency, with various insurance companies offering 24-hour reporting and claims services [2] - As of July 23, 16:00, insurance companies received 177 claims related to the flooding, with estimated losses amounting to 5.6593 million yuan [3]