Chinanews.com, March 4 How does teleinsurance serve the construction of the three-pillar old-age security system?
How to serve the construction of the national ecological environment?
At the Fourth Session of the 13th CPPCC National Committee, Wang Binjian, member of the CPPCC National Committee and Chairman of China Life Group, said that it is necessary to give full play to the advantages of financial insurance and promote the three-pillar pension security system and the construction of a beautiful China.
Give full play to the advantages of finance and insurance to promote the establishment of a three-pillar old-age security system
Social security is the basic system guarantee for guaranteeing and improving people's livelihood, maintaining social equity, and enhancing people's well-being. Accelerating the development of a multi-level and multi-pillar old-age insurance system is conducive to better meeting the diverse needs of the people.
At present, my country has initially formed a "three-pillar" endowment security system based on basic endowment insurance, supplemented by enterprise (occupational) annuities, and connected with personal savings endowment insurance and commercial endowment insurance.
"However, problems such as insufficient pension insurance, insufficient sustainability, insufficient completeness, and uneven development among various pillars are still prominent." Wang Bin said that the first pillar now covers nearly 1 billion urban and rural residents. Occupy the dominant position, the pension replacement rate is low, the national average is less than 50%, and is showing a downward trend; the second pillar benefits the limited population, and the coverage rate is not high; the third pillar has a slower development and has a low proportion, which is very important for old-age security. The supporting effect is obviously insufficient.
“Research predicts that my country’s population of elderly people aged 60 and over will exceed 300 million by 2025, and the aging of the population is accelerating, and the development of the third pillar is already very urgent.” For this reason, Wang Bin wrote in the “Insurance Service Three-pillar Pension Security System The "Proposal" proposes to increase tax incentives, study and formulate tax incentives for pension insurance products, and attract more individuals to participate.
Wang Bin suggested that for the third-pillar pension financial products, supporting the introduction of mechanism-compatible regulatory regulations and encouraging policies to strengthen the exclusive attributes of pension financial products.
China Life Pension Project: China Life Jiayuan·Yajing (Suzhou)
Regarding the advancement of the three-pillar reform, Wang Bin suggested selecting large financial and insurance institutions to carry out pilot projects and explore new business models of multi-level and multi-form pension financial product systems to better meet the differentiated pension needs of different groups of people.
Wang Bin said that China Life has been actively exploring effective ways for insurance to participate in the construction of the three-pillar old-age security system, and strives to contribute wisdom and strength.
At present, the group's pension insurance company has been specialized in operation for more than 10 years, and has accumulated relatively rich experience. It is the first batch of domestic securities investment management institutions for basic pension insurance funds.
Give full play to the unique role of green insurance and serve the construction of a beautiful China
Green insurance has the functions of compensating for ecological environmental damage and increasing rewards, safeguarding the legitimate rights and interests of pollution victims, and reducing the economic burden of the government and enterprises. It has a unique role in the construction of a beautiful China.
However, at present, my country's green insurance is mainly based on environmental pollution liability insurance. The premium scale is small, the coverage rate is low, the product is single, and the willingness of enterprises to purchase insurance and insurance institutions is not strong. The advantages and role of insurance mechanisms in the construction of the national ecological environment are far from Play.
In this regard, Wang Bin suggested in the "Proposal for the Development of Green Insurance to Serve the National Ecological Environment Construction" to implement a statutory insurance system.
Accelerate the research and implementation of the environmental pollution compulsory insurance system, and promote the rapid development of the scale of green insurance.
In addition, Wang Bin said that setting up a green insurance compensation fund, improving the risk sharing mechanism, and strengthening fiscal and taxation support for green insurance can all increase the enthusiasm of enterprises to start green insurance business and purchase insurance.
As green insurance services involve many departments, Wang Bin suggested establishing a public data platform.
The insurance industry authority and the environmental protection department explore cross-departmental cooperation to improve the infrastructure for green insurance development, and use new information technologies such as the Internet of Things and 5G to provide innovative research and development, rate determination, underwriting claims, risk assessment, and risk assessment for green insurance products. Provide data support for loss calculation, etc.
Wang Bin said that as a financial central enterprise, China Life has always made the development of green insurance an important arrangement for the company, using financial power to promote the green transformation of the economy.
It is reported that China Life will add 30.6 billion yuan in green investment in 2020, and it will cooperate with Huaneng Group to establish the first ten billion yuan clean energy investment fund, and State Power Investment Corporation will jointly fund the establishment of a clean energy fund. The decision-making scale of the two equity funds has exceeded 12 billion. yuan.