Foshan Economic Strategy 丨 The total annual premiums in the country are second in the country. How can Foshan insurance industry be higher?

Huang Shunan goes to the Ronggui Red Star Residents Committee of Shunde every week to provide insurance services and propaganda to the villagers. The political and insurance grid member of the Chinese Shoufoshan Branch was affectionately called "Anzi" by local villagers.

Grid governance is a product of promoting modernization of grass -roots governance. Nowadays, it has also become a new method for insurance companies to serve the "agriculture, rural areas" and help rural revitalization.

From the past people's prejudice against the insurance industry, to now the insurance commissioner's incarnation of the mesh staff and the villagers, what secrets did the Foshan insurance industry master?

In 1992, AIA Insurance entered Shanghai, bringing an agent system to China's insurance industry. This system has become the source of the rapid development of China's insurance industry in the past three decades, making "insurance" a household name. However, due to the uneven quality of the agent, the insurance industry has also carried a lot of fame.

For a long time, these infamines have caused people to ignore the role of insurance industry as "economic shock absorber" and "social stabilizer".

However, these two characteristics have been displayed in Foshan in recent years. For example, Foshan's policy of small loan guarantee insurance has been implemented for nearly five years. As of the end of April this year, the cumulative loan amount has exceeded 5.76 billion yuan, and 1431 companies have benefited from it; with safety and insurance as the core, the school's liability insurance and rental houses are comprehensive. Supplying for insurance services such as insurance, Foshan has established a new model of "multiple subjects, cooperation and co -governance".

At the end of May, Foshan held a conference to promote the high -quality development of the insurance industry and proposed to create good conditions for the high -quality development of the insurance industry, and to build Foshan into the insurance industry service manufacturing industry and participating in the social governance model cities. The infinite reverie of development.

When the insurance industry encounters the manufacturing industry, the spark of innovation will be wiped out

Foshan is a large manufacturing market. As an insurance industry, the insurance industry, which has played an important role in promoting the high -quality development of the manufacturing industry and serving the national manufacturing industry's comprehensive reform pilot cities.

Through urban linkage and political insurance linkage, Foshan guided insurance institutions to increase support for manufacturing, which not only alleviated the financing problem of small and medium -sized enterprises, but also allowed Foshan Insurance to develop at the forefront of the country.

Since the beginning of this year, Foshan, Foshan, the manufacturing market is still strong. According to the data released by the Foshan Bureau of Statistics, from January to April, Foshan completed the added value of industries above designated size of 181.443 billion yuan, an increase of 4.1%. Rooted in such a tough industry town, the insurance industry has also developed rapidly. From January to May this year, Foshan realized premium income of 3108 billion yuan, an increase of 10.32%year-on-year, and the average growth rate of the province was 5.56 percentage points higher than the province.

Behind the joint development of the insurance industry and Foshan's manufacturing industry is that Foshan insurance industry has seized some pain points in the development of the manufacturing industry, and adhered to the original intention of protecting the industry for economic development.

The company's feelings are the most intuitive. Affected by the epidemic, the number of overseas orders from the Lujian Wujin Five Gold Decoration Factory in Nanhai District, Foshan City has increased, and the scale of business has continued to expand. "The company's capital scale is difficult to match our order production needs. Under the recommendation of the South China Sea Rural Commercial Bank, we have applied for the use of 3 million yuan in policy small loan guarantee insurance special funds." The person in charge of the enterprise said that the original insurance also Can send charcoal for corporate snow, provide visible and touched benefits.

As early as 2016, in response to the dilemma of small and medium -sized enterprises and difficulty in financing, Foshan innovatively launched policy small loan guarantee insurance. Through the "insurance+bank+government" model, it provides small and micro enterprises with financing and credit increase. At present, about 1,400 small and micro enterprises have benefited, of which companies that simply obtain loans through guarantee insurance account for as high as 90%.

In 2021, Foshan released an innovative intellectual property service insurance in the country.

The diversification of intellectual property insurance insurance is another manifestation of the deep integration of the insurance industry and the Foshan industry. At present, Foshan already has 9 intellectual property insurance.

In April 2021, the Foshan Market Supervision and Administration Bureau Cooperative Palm Payment and Property Insurance Foshan Branch and the Municipal Intellectual Property Protection Promotion Association were launched in the country to innovate intellectual property comprehensive service insurance. As of now, 44 Foshan companies have purchased the insurance. Foshan PICC Ptennery Casualty Insurance Foshan Branch has achieved a premium revenue of 2.89 million yuan, providing 10.9 million yuan in risk protection, with compensation expenditure of 1.293 million yuan.

The China Property & Casualty Insurance Shunde Center Branch has founded the "food capital" in the country's first inclusive insurance insurance in the country, which stabilizes the status of the "World Food Capital" in Shunde District. Since its establishment for three months, "food insurance" has attracted nearly 1,300 catering units to insure.

Looking at the wind of prefabricated dishes, Foshan insurance institutions also greeted the wind. On June 2nd, the PICC Property Insurance Foshan Branch issued the first aquatic product "prefabricated" insurance policy for Guangdong Xiangliang Food Technology Co., Ltd., with a guarantee amount of up to 20 million yuan.

Serving the rural revitalization, the pigs are all "guaranteed"

"Selling insurance to the broadest rural areas", in the context of the country's strategy of revitalizing the country, my country's agriculture and rural insurance markets ushered in unprecedented development opportunities. Foshan's insurance industry also focuses on the needs of the three farmers and continuously innovate products, providing new focus for Foshan's implementation of rural revitalization strategies.

In Foshan, there may be more insurance for pigs than many people.

Being complete cost insurance, pig pigs (including piglets, fattening pigs) complete cost insurance, pig feed cost index insurance, pig price index insurance, circulation expectation of fattening pig insurance, pig vegetable basket for insurance , The insurance industry is perfectly combined with Foshan's pig farming industry. The PICC Property Insurance Foshan Branch insured the nation's first commercial circulation and expectation to slaughter the fertilizer pig insurance. "In the past, if a pig had an accident during the transportation process, most of the losses could only be borne by the buyer by themselves." The relevant person in charge of the piglets who insured the first order in the first order of the insurance and the distribution of Liu Limei Livestock in Nanhai District, Foshan City said "If an insurance accident occurs after insurance, you can get a compensation of 2,500 yuan from the insurance company, and the procurement process can be more at ease."

In fact, since Foshan released the "Implementation Plan for Policy Agricultural Insurance City-level Innovation Innovation Insurance in 2021-2023", multiple insurances involved in pigs, freshwater aquaculture insurance, flower seedling weather index insurance, agricultural greenhouse insurance, etc. The innovation insurance type has been taken quickly in Foshan.

The innovative service model is also a major direction for Foshan insurance institutions to serve agriculture and rural areas.

In response to farmers' low recognition of insurance, busy daily farmers, poor anti -risk capabilities, Ping An Property Insurance Foshan Branch pioneered the industry to adopt a zero -asset cooking model in the industry.

In March of this year, Foshan ushered in strong cold air and continuous precipitation, and agricultural production was greatly affected. Based on this claim model, the Ping An Property Insurance Foshan Branch actively contacted the affected farmers' communication compensation plan and amount, and paid a total of 1.78 million yuan to benefit 46 affected farmers, with a single compensation amount of up to 260,000 yuan.

In order to promote the rural revitalization strategy of insurance, the insurance company also directly sent the insurance commissioner to the countryside. The Chinese Shoufoshan Branch launched a political security grid -member project to focus on recruiting service personnel, and use the company's political security resources to go deep into communities and villages to do insurance services and publicity to enhance the insurance consciousness and anti -risk capabilities of grassroots people.

In these agricultural insurance and its services telized by local conditions, we see the "people -oriented" innovative concept of Foshan insurance industry. It is this concept that people feel the temperature of the insurance institution.

Undergraduate social governance helpers

The temperature of the insurance covers all aspects of social governance.

The newly revised "Safety Production Law" on September 1, 2021 will include the implementation of safety production liability insurance (hereinafter referred to as "security insurance") into legislative enforcement.

As early as 2015, Foshan began to explore the security and insurance as the bond to build a "diverse subject, cooperative co -governance" pattern. The introduction of third -party risk control services in insurance institutions is the highlight of this insurance.

After a copper company in Nanhai, Foshan City, after inspection of the production safety liability insurance, the insurance company appointed experts to carry out the safety production responsibility insurance risk control services for the enterprise, and proposed safety protection measures for the production risk of the enterprise. In the year of the purchase of security and insurance, 10 cases in the enterprise were in insurance, and there was no insurance in the following year.

This is not a case. As of May 25 this year, Foshan has provided risk protection of 907.5 billion yuan in risk protection for more than 41,000 enterprises, nearly 20,000 accident prevention services, and cumulative premiums reached 827 million yuan.

By participating in social governance, the insurance bill has achieved greater value: it has brought premium income to insurance companies, provided risk control services and guarantees for enterprises, brought tax revenue for localities, and maintained production safety and social stability Essence

The People's Court of Chancheng District formulated the "White Paper on the Trial of Insurance Contract Disputes" to provide judicial security for social and economic stability.

With the acceleration of urbanization, the role of insurance institutions in social governance has also been seen by more people.

The Pacific Property Insurance Foshan Branch launched the "exclusive compensation" service of school liability insurance to provide one -stop claims services for students and schools to enhance students' awareness of safety prevention and prevention, and greatly reduce the pressure on the treatment costs of families and schools.

Ping An Property Insurance Co., Ltd. Foshan Branch and Foshan Police Mail Public Account jointly launched "motorcycle insurance" products. In the whole year of 2021, a total of 438,000 electric vehicle insurance was invested, and the number of cases paid was 7,226.

The PICC Property Insurance Foshan Branch and the Innovation of Zumiao Street Innovation launched the "City Guardian" Minsheng Insurance Project. For more than 400,000 citizens of Zumiao Street, provide public liability for municipal facilities and crowded steps such as rescue assistance.

In terms of reducing the burden of medical expenses of the people, Foshan also supports Ping An Pension Insurance Co., Ltd. Foshan Center Branch to host Foshan Commercial Supplementary Medical Insurance "Ping An Buddha Medical Insurance". In 2021, the amount of "Ping An Buddha Medical Insurance" has paid more than 100 million yuan, and the number of payments is as high as 7,669.

Foshan insurance industry calls for higher -level platforms

Regardless of the development of the economy or promoting social governance, the previous explorations of Foshan Insurance Industry have already gone at the forefront of the province, and a set of good experiences and good practices that can be replicated and promoted have been formed.

In 2021, Foshan City's annual premium revenue exceeded 59.3 billion yuan, an increase of 6.33%year -on -year. The size of the premium ranked first among the province's premium level. The insurance depth (premium income accounted for GDP ratio) 5.2%. Income) 6362 yuan, ranking among the forefront of the country.

On May 13 this year, the China Banking Regulatory Commission issued the "Guiding Opinions on Supporting Urban Construction and Governance of the Banking Insurance Industry to Support Urban Construction and Governance" to improve the sense of gain, happiness and security in the banking insurance industry, improve the level of urban construction and governance, and service The real economy has put forward higher requirements. Where should the Foshan Insurance Industry go from?

Stones from other hills, can learn. In the context of attaching importance to the high -quality development of the insurance industry at the national level, Jiangsu and Zhejiang's strategy of "manufacturing a strong country" in Jiangsu and Zhejiang has built a provincial or national insurance agglomeration area in Suzhou, Wuxi, Ningbo and other manufacturing cities to build a strong city -level insurance agglomeration area to use the high -quality development of the insurance industry. Support urban construction and governance.

For example, Ningbo created a national insurance innovation comprehensive test zone as early as 2016, injecting new kinetic energy into Ningbo manufacturing with insurance innovation, and recently landed in Zhejiang's first single -edition software comprehensive innovation insurance to help Ningbo Industrial Software enter the national market in the country. Essence

On the other hand, although the insurance industry's premium income ranks first in the country, the insurance industry's premium income ranks first in the country, but the insurance depth and insurance density are ranked sixth and third in the country. The development of insurance service economy still has huge potential.

Foshan Insurance Industry has more internal demand: high -rise buildings on both sides of Jihua Road, but lack of insurance company headquarters; Foshan's influence in the insurance industry needs to be improved; high -end financial talents such as actuary and financial analysts ...

These all make the Foshan insurance industry call for higher -level development platforms.

Since 2018, Foshan has also taken the Zencheng District as the core to gradually set up district and municipal insurance development demonstration zones to allow the insurance industry to enter the "fast lane" of development.

Lu Yuanping, director of the Financial Work Bureau of Chancheng District, introduced that since the construction of the demonstration area, Chancheng has introduced nearly 80 insurance institutions. In 2021, the premium revenue of Chancheng District reached 22.3 billion yuan, accounting for over 37.7%of the city. In terms of taxation contribution, the insurance industry in Zhancheng District is comparable to the banking industry.

However, in the new era of high -quality development, the development of the insurance industry is only "fast". It is also "high" and "strong".

All sectors of Foshan have also noticed this, and they have made suggestions for Foshan to build a higher -level insurance test area. They will use the insurance industry to accelerate the construction of strong financial provinces and manufacturing provinces in Guangdong, build a new pattern of social governance, and play a role in leading the leader.

The CPPCC members of the CPPCC of the provincial, municipal and district CPPCCs on the development of Foshan Insurance Industry were held for discussions.

Wu Liejin, a representative of the National People's Congress and chairman of Zhongying Shengda, said that Foshan is one of the important node cities in Guangdong and the Guangdong -Hong Kong -Macao Greater Bay Area. Many insurance indicators are at the forefront of the province. The construction of the insurance industry's ecosystem is obvious, and it has the conditions to "create the Greater Bay Area Modern Insurance Pilot Zone".

Liu Jianping, a member of the Foshan CPPCC, also believes that Foshan's insurance industry has developed rapidly. The total premiums in 2021 ranks first in the province's prefecture -level city and the second national city -level city. The products are not enough to wait for problems. It is necessary to try it first at a higher level to achieve better development and explore the promoted practical samples in other parts of the country.

At the 2022 Financial Work Conference held on June 11, the Greater Bay Area Insurance Development Research Center and the Dawan District Insurance Talent Training Base in Foshan University of Science and Technology and Hong Kong Lingnan University and China Taiping Insurance Group were unveiled. Promote the cooperative school running projects of financial insurance majors.

From the beginning of exploring the new model of insurance talent cooperation in the Guangdong -Hong Kong -Macao Greater Bay Area, Foshan has been slowly unfolding for the high -quality development of the Greater Bay Area and even the national insurance industry.

Text/Foshan Daily Reporter Ni Yujie Correspondent Liu Jiaying

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