The quality and efficiency of the strong insurance operation improvement guarantee function fully played

In 2021, the China Banking Regulatory Commission thoroughly implemented the people -centered development ideas and high -quality development requirements, continued to promote the improvement of the level of joint insurance protection and service capabilities, and the reform dividends went deep into the benefits of consumers.

First, the insurance guarantee function is significantly enhanced. 2021 is the first complete year after the comprehensive reform of the auto insurance. With the support of the public security traffic management and other sectors, the insurance industry has continued to promote the implementation of the policy of benefiting the people. The coverage of the Security Insurance Insurance has further expanded, and the number of motor vehicles in insurance reached 323 million. The guarantee function has been strengthened, and the limit of the liability for the strong insurance increases from 122,000 to 200,000. In 2021, it increased the insurance amount of 21 trillion yuan to consumers and an increase of 9 billion yuan. Safe driving consumers have obtained a greater discount. The optimized rate floating scheme has further reduced the average premium of the car and promoted the further improvement of safety driving awareness. In 2021, it saved consumers with 8.2 billion yuan in premiums.

The second is the effective improvement of insurance services. In 2021, the number of motor vehicles underwritten by strong insurance increased by 7.3%, the overall insured amount increased by 48.8%, the number of cases increased by 20.9%, and the cost of compensation increased by 27.4%. In response to the situation where the epidemic is more distributed, the China Banking Regulatory Commission urged the insurance industry to increase its support for the real economy, help freight logistics and keep the security, establish a full industry chain risk solution, and actively open the insurance delay service for the suspension of vehicles in the severe area of ​​the epidemic. Moderate delay in premium payment time, provide convenient service measures during epidemic insurance, online claims, and epidemic prevention management to help epidemic prevention and economic and social development.

Third, the insurance system mechanism is further optimized. 2021年银保监会积极推行交强险有关配套机制完善，与财政部等相关部门共同完善《道路交通事故社会救助基金管理办法》，扩大救助对象范围，延长救助时间，压缩办理时限，规范救助基金网上申请和The review process, the social assistance fund of the road traffic accidents was 2.9 billion yuan. Promote the insurance industry to actively participate in the pilot pilot of the Supreme People's Court's unified urban and rural residents' personal damage compensation standards, and the amount of personal damage compensation in rural residents has increased significantly in the traffic accident.

In the next step, the China Banking Regulatory Commission will unswervingly deepen the comprehensive reform of auto insurance, promote the industry to improve the efficiency and service quality of traffic insurance, and further optimize the system and mechanism of the traffic insurance in conjunction with relevant departments to continuously meet the growing insurance needs of consumers.

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