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人保财险助推“三农”脱贫攻坚

2017-10-12 17:26:52   

模式创新打通“三农”和小微企业金融服务的“最后一公里”

人保财险创新金融扶贫工作,探索总结出了“八大保”模式,其中河北“政融保”、广西河池“政府+险资+企业+农户+保险”为险资直投助推扶贫的模式。“广西河池模式”被国务院扶贫办在全国范围内推广。

人保财险支农融资业务基本模式是“保险+融资”,针对农业生产经营主体,以农业保险、人身意外伤害险、保证保险等保险险种提供全方位风险保障,以保险资金为农业生产提供金融活水,双管齐下助推农业产业发展。在此基础上,人保财险因地制宜,积极探索多样化业务实施路径。

据了解,2015年底,保监会批复同意中国人保开展“支农支小”融资业务;2017年,保监会将“支农支小”试点额度增加200亿元。中国人保通过保险资产管理产品募集集团内保险资金,向符合要求的投保农户和小微企业提供融资支持,专项用于农业生产和小微企业经营,支持实体经济发展,服务脱贫攻坚战略,打通了“三农”和小微企业金融服务的“最后一公里”。

科技创新服务确保理赔效率

据了解,人保财险在农险方面的市场份额高达46%以上,2007-2016年的十年间,累计为10.36亿户次农民提供了5.37万亿元的农业风险保障,累计处理农险理赔案件1721万件。

2016年人保财险承保农作物6.32亿亩,承保生猪及能繁殖的母猪1.08亿头,占我国生猪饲养量的23.0%;承保森林10.44亿亩,占我国森林面积的33.5%。

针对农业保险“定损难、理赔难”特点和道德风险管控难题,人保财险积极探索利用生物技术、卫星遥感等技术手段,为农险承保理赔提供数据和业务管理支持。其中,为解决养殖业保险点多面广、标的复杂等问题,积极引进DNA指纹技术、RFID(射频识别)电子标签、水下探测仪等,用于养殖险全流程风险管理。

在开展灾害监测预警和灾情评估方面,引入无人机、卫星遥感和地理信息系统,探索“按图承保”和“按图理赔”的农业保险承保理赔新模式。

在信息整合方面,全面启动农险综合信息平台建设,集成地块信息、灾害损失和承保理赔数据,提供风险评估、费率厘定、灾害预警、经营决策、统计分析等功能,实现农险精细化管理。

在提高理赔时效方面,开发了养殖险移动查勘定损系统,全面推进养殖险小额案件“一站式”理赔模式,在青岛、四川、广东、江西、福建等地试点了“能繁母猪”移动查勘定损系统,成为业内首家使用移动终端处理农险案件的公司。

在探索新技术服务“三农”方面,积极探索区块链技术在养殖保险中的应用,利用生物识别、区块链、移动互联等技术,将养殖保险、农业金融、食品溯源贯穿起来,试点构建基于区块链的养殖保险服务平台。

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