Madipatimenti oyenerera a mafakitale ndi zidziwitso, madipatimenti azachuma (mabungwe), mabungwe oyang'anira inshuwaransi a zigawo, madera odziyimira pawokha, madera omwe ali pansi pa Boma Lalikulu ndi mizinda yokhala ndi mapulani osiyana, ndi mabizinesi akuluakulu oyenerera:
Pofuna kukhazikitsa kukhazikitsidwa kwa Gulu Lotsogolera Kukula kwa Zinthu Zatsopano Padziko Lonse komanso ntchito zazikulu zomwe zaperekedwa ndi Buku Lotsogolera Kukula kwa Zinthu Zatsopano Padziko Lonse, ndikulimbikitsa kukhazikitsidwa kwa China Manufacturing 2025, Unduna wa Zamalonda ndi Ukadaulo Wazidziwitso, Unduna wa Zachuma, ndi China Insurance Regulatory Commission (yomwe ikutchedwa madipatimenti atatu) adaganiza zokhazikitsa gulu latsopano la zipangizo zomwe zimagwiritsidwa ntchito ndi njira yolipirira inshuwaransi (yomwe ikutchedwa gulu loyamba la njira yolipirira zinthu zatsopano) ndipo ntchito yoyeserera ikuchitika. Nkhani zofunikira zikudziwitsidwa motere:
Choyamba, mvetsetsani bwino kufunika kokhazikitsa njira yoyamba ya inshuwaransi ya zipangizo zatsopano
Zipangizo zatsopano ndiye maziko a kupanga zinthu zapamwamba. Magwiridwe ake, ukadaulo, ndi njira zake zimakhudza mwachindunji ubwino wa zinthu ndi chitetezo cha kupanga m'minda yotsika monga chidziwitso cha zamagetsi ndi zida zapamwamba. Poyamba zinthu zatsopano zikalowa pamsika, ndikofunikira kuwunika momwe ntchitoyo ikuyendera kwa nthawi yayitali komanso ndalama zambiri zomwe zimagwiritsidwa ntchito. Ogwiritsa ntchito omwe ali pansi ali ndi zoopsa zina zogwiritsidwa ntchito koyamba, zomwe zimapangitsa kuti "kugwiritsa ntchito zinthuzo sikwabwino, zinthuzo sizikugwiritsidwa ntchito", ndipo kupanga ndi kugwiritsa ntchito sikuli bwino komanso sikunachitike. Mavuto monga kutsatsa malonda ndi zovuta zogwiritsa ntchito.
Khazikitsani gulu loyamba la njira zodzitetezera ku zinthu zatsopano, kutsatira mfundo ya "chitsogozo cha boma, kayendetsedwe ka msika", cholinga chake ndi kugwiritsa ntchito njira zochokera pamsika kuti apange makonzedwe a mabungwe kuti agwiritse ntchito kuwongolera zoopsa ndi kugawana zinthu zatsopano, ndikudutsa malire oyamba a msika a kugwiritsa ntchito zinthu zatsopano. Kuyambitsa ndikutulutsa kufunikira kogwira mtima kwa zinthu zatsopano m'makampani otsika ndikofunikira kwambiri pakufulumizitsa kusintha ndi kugwiritsa ntchito zotsatira zatsopano zaukadaulo, kulimbikitsa kusintha kwa kapangidwe ka mbali yopereka zinthu zachikhalidwe, ndikukweza mulingo wonse wa chitukuko cha makampani atsopano azinthu zatsopano ku China.
Chachiwiri, zomwe zili mu gulu loyamba la njira ya inshuwaransi ya zipangizo zatsopano
(1) Zinthu zoyendetsa ndi malo ozungulira
Unduna wa Zamakampani ndi Ukadaulo wa Chidziwitso unakonza zinthu zatsopano za China Manufacturing 2025 ndi asilikali ndi anthu wamba, ndipo unakonza zokonzekera "Malangizo Ogwiritsira Ntchito Zinthu Zatsopano Zofunika Kwambiri" (zomwe zikutchedwa "Catalogue"). Gulu loyamba la zinthu zatsopano ndi kugula zinthu zatsopano zamtundu womwewo komanso zofunikira zaukadaulo mu Catalogue chaka choyamba. Nthawi yomwe wogwiritsa ntchito amagula koyamba chinthu chatsopano panthawi yovomerezeka ya Catalogue ndi kuwerengera nthawi yoyambira chaka choyamba. Kampani yomwe imapanga gulu loyamba la zinthu zatsopano ndiye chinthu chothandizira pa ndondomeko ya malipiro a inshuwaransi. Makampani omwe amagwiritsa ntchito gulu loyamba la zinthu zatsopano ndi omwe amapindula ndi inshuwaransi. Catalogue idzasinthidwa mosinthika kutengera chitukuko cha makampani atsopano azinthu zatsopano ndi ntchito yoyesera. Zipangizo zomwe zimagwiritsidwa ntchito mu gulu loyamba la zida zomwe zimagwiritsidwa ntchito kusangalala ndi ndondomeko ya malipiro a inshuwaransi sizikuphimbidwa ndi ndondomekoyi.
(2) Inshuwalansi ndi chitetezo
Bungwe la China Insurance Regulatory Commission (CIRC) lidzatsogolera makampani a inshuwaransi kuti apereke zinthu zatsopano zokhazikika pa khalidwe la zinthu ndi chitetezo (zomwe zimatchedwanso kuti inshuwaransi yatsopano) kuti akweze zinthu zatsopano, ndikutsimikizira zoopsa za khalidwe la zinthu zatsopano komanso zoopsa za udindo. Kuopsa kwa ubwino wa underwriting makamaka kumatsimikizira chiopsezo cha kusintha kapena kubweza kwa ogwiritsa ntchito mgwirizano chifukwa cha zolakwika pa khalidwe la zinthu zatsopano. Kuopsa kwa udindo wa underwriting makamaka kumatsimikizira kutayika kwa katundu wa wogwiritsa ntchito mgwirizano kapena chiopsezo cha kuvulala kapena kufa chifukwa cha zolakwika za khalidwe la zinthu zatsopano.
Malire a udindo wa gulu loyamba la inshuwaransi ya zinthu zatsopano adzatsimikiziridwa kutengera kuchuluka kwa mgwirizano wogula ndi kuchuluka kwa kutayika kwa udindo komwe kungachitike chifukwa cha malondawo. Mwachidule, malire a udindo wa ndalama zothandizira boma sapitirira nthawi 5 kuposa ndalama za mgwirizano, ndipo malire apamwamba sapitirira 500 miliyoni yuan, ndipo chiwongola dzanja cha inshuwaransi sichipitirira 3%.
Limbikitsani makampani a inshuwalansi kuti apange zatsopano ndikupereka zinthu za inshuwalansi monga inshuwalansi yonyamula katundu ndi inshuwalansi zina zokhudzana ndi mavuto malinga ndi momwe makampani alili, ndikuwonjezera chithandizo cha inshuwalansi.
(3) Njira yogwirira ntchito
1. Lengezani bungwe loyang'anira inshuwaransi. Unduna wa Zamalonda, Mafakitale ndi Ukadaulo wa Chidziwitso ndi Unduna wa Zachuma wa China Insurance Regulatory Commission adalemba ndi kulengeza momveka bwino mndandanda wa mabungwe amsika wa inshuwaransi.
2. Makampani omwe ali ndi inshuwaransi mwaufulu. Kampani yatsopano yopanga zinthu imasankha ngati igula inshuwaransi yatsopano ya zinthu malinga ndi momwe zinthu zilili komanso momwe zimagwirira ntchito.
3. Pemphani ndalama zothandizira za premium. Kampani yoyenerera ya inshuwaransi ingapemphe ndalama zothandizira za premium, ndipo ndalama zothandizira ndi 80% ya ndalama zothandizira za pachaka za inshuwaransi. Nthawi ya inshuwaransi ndi chaka chimodzi ndipo kampaniyo ikhoza kuikonzanso ngati pakufunika. Nthawi yothandizira imawerengedwa malinga ndi nthawi yeniyeni ya inshuwaransi, ndipo kwenikweni siipitirira zaka 3. Ndalama zothandizira za premium zimathandizidwa kudzera mu kusintha ndi kukweza mafakitale komwe kulipo (Kopangidwa ku China 2025) kudzera mu bajeti ya dipatimenti ya Unduna wa Zamakampani ndi Ukadaulo wa Chidziwitso.
4. Kukonza magwiridwe antchito abwino kwambiri. Makampani a inshuwaransi omwe akugwira ntchito yoyesera ayenera kutsatira mosamala zofunikira pa zikalata zoyenera, kukhazikitsa magulu a akatswiri ndikufulumizitsa madandaulo, kulimbitsa ntchito zatsopano za inshuwaransi ya zipangizo, ndikusunga deta ya inshuwaransi nthawi zonse, kukonza mapulani a inshuwaransi, ndikukonzanso kuzindikira zoopsa za mabizinesi omwe amapanga ndikugwiritsa ntchito zipangizo zatsopano. Ndi kuthekera kothetsa vutoli. Kampani ya inshuwaransi iyenera kugwiritsa ntchito gawo la chitsanzo mofanana kuti ichite bizinesi yotsimikizira (gawo la chitsanzo liyenera kuperekedwa padera).
Malangizo a gulu loyamba la ntchito yoyesera ya inshuwaransi yofunsira zinthu zatsopano ayenera kuperekedwa padera ndi CIRC.
Chachitatu, ndondomeko ya ntchito yoyendetsa galimoto
(1) Kampani yomwe ikufunsira ndalama zothandizira zapamwamba iyenera kukwaniritsa zofunikira izi:
1. Yolembetsedwa m'dera la People's Republic of China ndipo ili ndi udindo wa munthu wodziyimira pawokha mwalamulo.
2. Kuchita nawo ntchito yopanga zinthu zatsopano zomwe zalembedwa mu Katalogu.
3. Ukadaulo waukulu ndi ufulu wa umwini wa zinthu zomwe zili ndi ndalama zothandizira zapamwamba.
4. Kukhala ndi luso lamphamvu pa chitukuko ndi chitukuko cha mafakitale komanso gulu laukadaulo.
(II) Kufunsira ndalama zothandizira za premium kuyenera kukonzedwa malinga ndi bungwe lapachaka kuyambira pachiyambi cha 2017, ndipo ndalama zothandizira zidzakonzedwa mu mawonekedwe a pambuyo pa chithandizo. Makampani oyenerera akhoza kutumiza zikalata zofunsira ngati pakufunika. Mabizinesi am'deralo amafunsira ku Unduna wa Zamakampani ndi Ukadaulo Wazidziwitso kudzera m'madipatimenti oyenerera amakampani ndi ukadaulo wazidziwitso (pano omwe amadziwika kuti mabungwe azamakampani ndi ukadaulo wazidziwitso m'chigawo) m'maboma awo (zigawo zodziyimira pawokha, mizinda yomwe ili pansi pa Boma Lapakati, ndi mizinda yokhala ndi mapulani osiyana), ndipo mabizinesi apakati amafunsira mwachindunji ku Unduna wa Zamalonda ndi Ukadaulo Wazidziwitso. . Unduna wa Zamalonda ndi Ukadaulo Wazidziwitso, limodzi ndi Unduna wa Zachuma ndi China Insurance Regulatory Commission, adapatsa Komiti Yolangiza ya National New Materials Industry Development Expert kuti iwunikenso zida zofunsira zamakampani, kuwunikanso mndandanda wa malingaliro a akatswiri, ndikukonza ndikupereka ndalama zothandizira za premium motsatira malamulo oyang'anira bajeti.
(3) Kuti agwire ntchito yabwino mu 2017, mabizinesi omwe ali ndi inshuwaransi kuyambira tsiku lomwe chidziwitsocho chidafalitsidwa mpaka Novembala 30, 2017 adzapereka zinthu zofunika kuyambira pa Disembala 1 mpaka 15 (onani cholumikizira kuti mudziwe zofunikira zina). Madipatimenti oyang'anira mafakitale ndi zidziwitso m'maboma ndi mabizinesi akuluakulu adzapereka malingaliro a odit ndi zinthu zofunika ku Unduna wa Zamakampani ndi Ukadaulo wa Chidziwitso (Bungwe la Makampani Opangira Zinthu Zopangira) asanafike pa Disembala 25, kuti alimbikitse kuyang'anira. Makonzedwe ena apachaka apadera a ntchito adzalengezedwa padera.
(4) Madipatimenti oyenerera a mafakitale ndi odziwitsa anthu, madipatimenti azachuma, ndi madipatimenti oyang'anira inshuwaransi pamlingo uliwonse ayenera kuiona kuti ndi yofunika kwambiri, kugwira ntchito yabwino pokonza, kugwirizanitsa, ndi kufalitsa ndi kutanthauzira ntchitoyo, ndikulimbikitsa mabizinesi kuti azipereka inshuwaransi mwachangu. Nthawi yomweyo, ndikofunikira kulimbitsa kuyang'anira ndi kuwunika, kutsimikizira mosamala kuti zinthu zogwiritsidwa ntchito ndi zenizeni, ndikulimbitsanso kugwiritsa ntchito zida zoyambira pambuyo poyang'anira ndikuwonetsa zotsatira za kugwiritsa ntchito zida zoyamba kuti zitsimikizire kuti ndalama zandalama zikugwiritsidwa ntchito. Mabizinesi ndi makampani a inshuwaransi omwe ali ndi zochita zachinyengo monga inshuwaransi yachinyengo adzafunika kubweza ndalama zothandizira ndalama ndikuziwonetsa patsamba lawebusayiti la madipatimenti atatuwa.
Nthawi yotumizira: Sep-27-2019