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- 保險業(yè)“普惠”成績單：131家(jiā)機(jī)構開(kāi)展互聯®↕網保險業(yè)務
近(jìn)日(rì)，銀(yín)保監•♠會(huì)**發布《中國(guó)普惠金(jīn)融發展情況報(b→πào)告》（以下(xià)簡稱“白(bái)皮書(shū)”），為¶₽(wèi)保險業(yè)總結了(le)5年(nián)來(lái)的(de)“普惠”成績：截至2®↔®017年(nián)末，農(nóng)業(yè)保£β險鄉(xiāng)村(cūn)服務網點達到(dào)★'✔36.4萬個(gè)，網點鄉(xiāng)鎮覆蓋率達到(dào)95%，村(cūn)☆✔$級覆蓋率超過50%。2017年(nián)農(nóng)業(¶✔∏yè)保險參保農(nóng)戶數(shù)量2.13億戶次，承保農(nóng)作(¥φzuò)物(wù)21億畝，占農(nóng)作(zuò)物(wù)播種面積的(de)8≤$&4.1%，較2013年(nián)上(shàng)升39.7個(gè)百分(fēn)點；≠←γ≥提供風(fēng)險保障2.8萬億元，較2013年(nián)增長(cháng)100%。截至20$♠γ17年(nián)末，城(chéng)鄉 ✔'(xiāng)居民(mín)大(dà)病保險已覆蓋10.6億城(ché✘©♠ng)鄉(xiāng)居民(mín)，較2013年(nián) '末增長(cháng)194.4%。
擴大(dà)普惠金(jīn)融覆蓋面
白(bái)皮書(shū)指出，監管要(yào)求保險公司發揮保障優勢，推進農(n☆↓☆óng)業(yè)保險穩健快(kuài)速發展，全面實施大(dà)病保險，積>✘極開(kāi)展貧困人(rén)口商業(yè)補充醫(™γyī)療保險，緩解“因病緻貧”“因病返貧”現(xiàn)象 §∞。面向欠發達地(dì)區(qū)、比較困難行(xíng)業≠δ☆(yè)和(hé)低(dī)收入群衆發展小(xiǎo)額人(rén)身(shē'±n)保險。
在保險監管方面，優化(huà)支持政策。通(tōng)¥≠過加強窗(chuāng)口指導、适當降低σ±(dī)業(yè)務資質要(yào)求等方式，引導保險機(j♦σī)構到(dào)貧困地(dì)區(qū)開(kā§ε¶i)辦農(nóng)業(yè)保險。鼓勵保險公©≥司配合各地(dì)開(kāi)展貧困人(ré λn)口補充醫(yī)療保險，為(wèi)外(wài)出務工(gōng)農(nó₹♦←ng)民(mín)開(kāi)辟異地(dì)理(lǐ)賠πλ綠(lǜ)色通(tōng)道(dào)。支持教育脫貧，δ✔開(kāi)展針對(duì)貧困家(jiā)庭大(dà)中學生(shēng)的(de)助學貸款保®♥證保險。采取差異化(huà)監管措施，鼓勵保險資金(jīn)向貧困地(dì)區(qū)☆©₩基礎設施和(hé)民(mín)生(shēng)工(gōng)程傾斜。☆$∏
截至2017年(nián)末，農(nóng)業(₹& yè)保險鄉(xiāng)村(cūn)服務網點達到(dào)36.4萬個(gè)，網≥>¥點鄉(xiāng)鎮覆蓋率達到(dào)95%，村(cūn)級覆蓋率超過σ₹γ✘50%。2017年(nián)農(nóng)業(yè)保險參保農(nóng)戶數 ©ε(shù)量2.13億戶次，承保農(nóng)作(zuò)物(w€δù)21億畝，占農(nóng)作(zuò)物(wù)播種面積的(de)84.1%，較201€λ☆3年(nián)上(shàng)升39.7αφ個(gè)百分(fēn)點；提供風(fēng)險保障2.8萬億元，較2013年(nián✘"≈)增長(cháng)100%。
截至2017年(nián)末，城(chéng)鄉(xiāng)"→ π居民(mín)大(dà)病保險已覆蓋10.6億↓←δ≤城(chéng)鄉(xiāng)居民(mín₹∑•)，較2013年(nián)末增長(chá₩ ng)194.4%。
互聯網保險推動普惠保險發展
傳統金(jīn)融機(jī)構在踐行(xíng♦)普惠金(jīn)融時(shí)，往往因為(wèi)成本過高(gāo)、效率過低(dī)而受挫。但 ♦↑(dàn)金(jīn)融科(kē)技(jì)的(de)發展在極大(dà)程度上(shàng)α♦彌補了(le)傳統金(jīn)融行(xíng)業(yè)信息©♣γ不(bù)對(duì)稱、安全問(wèn)題以及時(shí)空(kōng)限制(zhì)等 ¶∞ 短(duǎn)闆。僅以互聯網保險為(wèi)例，20€φ17年(nián)共有(yǒu)131家(jiā)機(jī)構開(kāi)展互聯網保險業♠¶(yè)務，其中，财産險公司70家(jiā€♣π§)，人(rén)身(shēn)險公司61家(ji→™→ā)，共實現(xiàn)保費(fèi)收入1835.29億元。全年(nián)互聯網保險簽單124₩ α♠.91億件(jiàn)，較上(shàng)年(nián)增¥≥∞長(cháng)102.60%，其中，退貨運費(fèi)險68.19億件(jiàn)、保證保險1'ε≈$6.61億件(jiàn)、意外(wài)險15.92億件(jiàn)、責任險10.32億件(σλjiàn)。對(duì)此，白(bái)皮書(s♠₽§hū)評價，“互聯網保險通(tōng)過技(jì←α)術(shù)讓保險更加易得(de)，推動實現(xià>☆ n)了(le)普惠保險的(de)行(xíng)業(yè)價值和(h>↑é)社會(huì)意義。”
與此同時(shí)，保險健康扶貧成效顯現(xiàn)。白(bái)皮書←→≈(shū)顯示，鼓勵保險公司配合各地(dì)推動大(dà)病保險向困難群衆适當傾斜，降低(dī)起✘>↑付線、放(fàng)寬報(bào)銷範圍，提高(gāo)報(bào)銷水(shuǐ)平。積×φ極開(kāi)展貧困人(rén)口商業(yè)補充醫(yī)療保險，截至2017年(ni×πán)末，保險公司在全國(guó)25個(gè)省(自(zì)治區(qū¶>↓)、直轄市(shì))1152個(gè)縣(市(shì))承辦了(le)針對(duì)貧困人(réσΩ€±n)口的(de)商業(yè)補充醫(yī)療保險業(y€è)務，覆蓋貧困人(rén)口4635萬人(rén)。積極☆×₽參與經辦社會(huì)救助。截至2017年(nián)末，保險公司在全國©♥(guó)275個(gè)縣市(shì)開(kāi)展了(le)醫(yī)療救助經辦項目，™δ'₹減輕了(le)政府工(gōng)作(zuò)負擔，提 ©©高(gāo)了(le)基本醫(yī)保、大(dà)病保險與醫♠€≥(yī)療救助制(zhì)度之間(jiān)<α ∑的(de)銜接。
創新多(duō)種農(nóng)業(yè)保險産品
保險在化(huà)解風(fēng)險方面也(yě)起著(zhe)至關重要(yào)β×的(de)作(zuò)用(yòng)。白(bái)皮書(shū)顯示，保險發揮增信作(zuò)✔×用(yòng)，探索形成“政府+銀(yín)行(xíng)+保險”小(xiǎo)額信貸↓∏'風(fēng)險共擔模式，保險公司承擔部分(fē"÷↓™n)貸款風(fēng)險，政府專項資金(jīn)給予一(€β∑yī)定風(fēng)險補償、保費(fèi)補貼、利息補貼，促進小(♣♥δxiǎo)微(wēi)企業(yè)融資。2017年(nián)，全國(gu←>ó)小(xiǎo)額貸款保證保險業(yè)務累計(jì)實現(ε xiàn)保費(fèi)收入33.77億元₹₽§，承保金(jīn)額466.39億元，為(wèi)11.09萬家(jiā)小(xiǎo)微(wēi≥♥)企業(yè)獲得(de)銀(yín)行(xíng)融資金(jīn ♦)額292.73億元。
為(wèi)促進普惠金(jīn)融發展，保險業(yè)還(hái)在農(nóng)業(yè)保β££±險産品方面進行(xíng)了(le)創新。白(b∑ ★↕ái)皮書(shū)顯示，2017年(nián)共"≥開(kāi)發出農(nóng)業(yè)保險産品1714個(gè)，涉及215類♣φ農(nóng)産品。價格保險标的(de)擴大(dà)到(dào)γ✔4大(dà)類72個(gè)品種，指數(shù)保險已備案19個(g↔<≤è)省(區(qū)、市(shì))57款天氣指數(shù)保險産品，制(zhì)種保險開(kγε✔āi)辦省份達29個(gè)。
From :businessinsuranceU.S. ε¥₽commercial property/casualty rates r<∞☆ose 5% on average in the fourth quar™σter of 2019, up from 4% in the th∏→£ird quarter, reflecting insurers’ β∏intent to continue to increase prices across mo¶✔¥st lines, online insurance exchange γ> MarketScout Corp. said ↔₹♠Monday.“Auto rate increases have been upΩ÷φ all year long; however D&O (dire∑≠γctors & officers) and pr₩'γ≈ofessional rate increases have spikeΩγd significantly in the four<÷" th quarter,” Richard Kerr, CEO of M&"ε arketScout Corp. said in a statement.In↔&surers are carefully analyz¥←₹ing their property exposures using catδ€astrophe modeling tools, he said. “We expect many→ ↑ of the major property catastrophe ♦<insurers to curtail their 2020 wr₩↑'itings in California brush and Eas₽♣>t and Gulf Coast wind ₩βareas. Naturally, this wil≤l result in higher rates to insur₽•eds,” Mr. Kerr said.D&O l∞₽₹✔iability rates increased×¥↑∑ by 8.25%, while commercial auto increased 8% ®π<in the quarter, and professional liability rates ↕ were up 6%, and umbrella/excess rate₩✘€&s were up 5.5%, according to MarketScout.Cγ<ommercial property rates iλ≤ncreased 5.25% in the∞π quarter, and business interr↕δ§uption rates were up 5%, while• ↔ all other lines showed smaller increaδ♠ses, except for workers compensation, ♥↓♦where rates fell 1%, MarketScout said.By industryαα<★ class, transportation and habitatioδ$δnal saw the highest average rate increases₽Ω☆> at 9% and 8.25% respectively, Market→"קScout said.Large accounts – those with $250α₽,001 to $1 million in premiu÷ m – saw a rate hike of 5.5% in the f•∏♦ourth quarter, as did jumbo accounts, ↔Ω→↔which have more than $1 million in premiu≠☆ε★m. Small accounts – those with up to $25,000 in∏♣ premium – were up 5%, wh☆≥ile medium accounts – those with $25,00→$≠1 to $250,000 in premium – were' up 4.5%.The “steady trend” oσΩ$®f upward rates reflects insurers’ plans to cont&₹γinue increasing prices acros☆≈s all lines except for workers✘ compensation, MarketScout said "€.Organizer：China Insurance Digital &¥₹ AI Development 2020Web:http:/₽π/en.zenseegroup.com/p/560573©©"/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively q↓÷₩uiet year for the Southeast in terms of major cat™₩λσastrophes compared with 2018 when Hurricane’s Miε≥↑chael and Florence caused major damage in t∑↓®he region. This year, Hu♦∞φrricane Dorian sideswiped the So∞₽utheast coast and made¥α landfall on the Outer Banks<Ω♣₽ of North Carolina but most of t<&he area was spared. Still, Ao↔€≥"n said economic damage in the U.S. and C↓₹±anada was poised to approach↓★∞∞ a combined $1.5 billion.Florida spent♥≥↔ the year recovering from Hurricane M≈∏←☆ichael, which was upgraded to a C ♣ategory 5 storm by NOAA in A≥✔•pril. Florida official≠γπ≈s have repeatedly called on the insurance inπ<dustry to speed up the recovery₩Ωσ∑ process, with nearlyπ©♠ 12% of claims still open a year after the s×δφ≤torm hit.Organizer：China•×™ Insurance Digital &a÷φ©mp; AI Development 2020Web:¶←×↕http://en.zenseegroup.com/p/560573/C♥ ontact:Ann 021-65650305
From:businessinsuranceeinsσ>urance renewals at Jan. 1, 2020, mainly saw singl♦φλ↑e-digit increases, with some exceptio★&ns, according to reports by rei≠πγ↓nsurance brokers released Thursday§₹ .Willis Re, the reinsurance brokerage of Wi γ'llis Towers Watson PLC, and Guy Carpenter &₩¶ Co. LLC, a unit of Marsh "& McLennan Cos. Inc. both reported thatε↓ year-end reinsurance♣" ✘ renewals varied by account and r×'egion, but the retrocessional reinsurance×π was under pressure.Rates ε©αon line for property catastrophe reinsurΩ↓ance programs remained stable and property pe♣₽r risk pricing was driven by indivi≠βφ©dual program performance, the Wα₽illis report said.Although som¶≠e Lloyd’s of London syndi♥±©cates took firm positions on rate inc"₽reases and the London market au♠£✔©thorized capacity decreased, tha↕≠≈t capactiy was replaced by new capital and a st∏∑rong supply from other markets, Willis Re said>≥.U.S. loss-free accounts renewed a±λ∞ t flat to up 10% while those with losses saw in↕₽®creases of 10% to 50%, the Will÷∞is Re report said, whi✘βch was among the largest increases." Property catastrophe accounts without ↔∑✘δlosses renewed at flat to up 5%,"≥β while loss hit accounts were up 10% ♣✔₩to 20%, Willis Re said.A∑β☆∏ccording to the Guy Car÷δpenter report, the brokerage’s glob♦≥al property catastrophe rate o✔λn line index rose 5% in 2019.According to the Wil↓&εlis Re report, other large increases were seenφ÷ in Central and Eastern Europe, where property™¶ programs with losses saw increase∞←∏s of 5% to 20%, and Canaα¥da, where such accounts ✘ renewed up 10% to 40%.Most other re♦¥£←gions and countries saw ≥≈♠πproperty increases in the single ∞or low double digits, the report said.The Jan↕₹¥. 1 renewals saw some “difficult” n♥ε→γegotiations, according to a letter in the ≥≥report from James Kent, global CEO, Willis Re.₩¥The Guy Carpenter report said the reinsurance≤÷ market was “asymmetrical,” adding “this is cert♣'ainly not a one-size-fits-all market” §®≈±and while overall capacity remaine×✔≥d adequate, “allocate<∏d capacity tightened notably in stressed c₽→♦♣lasses.”Dedicated rein>αsurance capital rose 2% in δ> 2019 and the year saw approximat≥↑ely $60 billion in global insur÷↑ Ωed catastrophe losses₽↓Ω$, according to Guy Carpente≥ε∏≥r, which was significantly lower than 2™≥≥©017 and 2018.Alternative capital&β, however, contracted by approxima×÷tely 7% percent “as investors were↓→ more cautious with new invε♣estments after assessing market dynamics and pric→•₹ing adequacy,” Guy Carpenter said.The retrocessio ↓n market “was challenged … by trapped capital,∑≤φ a lack of new capital and contin ♥φued redemptions from third-pa ₩rty capital providers,” a statement issued w•★≠€ith the Guy Carpenter report s&§✔★aid.However, significant retrocession providers₽ returned to the market in the pas∏∑t two weeks, Willis R✔π•★e said.Organizer：Chi☆↑na Insurance Digital & AI Deve₽λ∑lopment 2020Web:http://e$λ$n.zenseegroup.com/p/560573/Contact:∞£♣Ann 021-65650305
Major information technology↑£✘ companies in India are running the risk of termiγ∑nation of their $1 billi₹↔₽≈on contracts following ™♦•Boeing Co.’s decision to halt th>≈e production of its 737 Max jetφ↓×s, MoneyControl reported citing the Business≠π Standard. Companies like Tata Consultancy S₽↕¶"ervices Ltd., Infosys Ltd., HCL Techn&£ologies Ltd., Cyient Ltd. and L&α≥T Technology Serviceδ←s Ltd. have outsourcing contractsΩ£∏ with Boeing or its suppliers and Boeing’s je÷≤'t crisis is expected to↔≈∑ affect these IT companies in the βαδshort run.From:businessinsuranceOrganizer：China ∏ ↕Insurance Digital & AI Development 2020Web:hπttp://en.zenseegroup.com/p/560573/Cont'✔act:Ann 021-65650305¥÷
France-based eyewear maker Essilor Int♠ernational S.A. has discovered fraudul↑≤ent activities at one©★☆ of its factories in Thailand ×♦ that could cause €190 million (÷₩™™$213 million) in financial losses t∏o the company, The Irish Times r®βeported citing Reuters. The company has filed com∏∏£€plaints in Thailand and has fired a ≤ll the involved employe£↑φes. It hopes to reco"®ver the losses from fro← ®σzen bank accounts, insurance and lawsuits.O₽£®rganizer：China Insurance Digital & AI Develop£☆"ment 2020Web:http://en.zenseegroup.com/p/5✔®60573/Contact:Ann 021-65650305
