In the insurance industry last year, the development of 18.6 billion yuan was promoted to the development of the disaster insurance.

Reporter Leng Cuihua

Recently, the Shaoguan Municipal Government and the Ping An Property Insurance Guangdong Branch held the "Disaster Index Insurance Compensation Delivery Ceremony". The highest record of the amount.

According to the Guangdong Banking Regulatory Bureau, in June, Shaoguan and Qingyuan in Guangdong Province encountered the strongest "Dragon Boat Water". As of June 29, the property and insurance institutions within their jurisdiction received a total of 27,400 cases, with a total of 1.189 billion yuan.

In 2021, the insurance industry was 18.6 billion yuan due to disaster compensation, of which the amount of property insurance compensation was 18.48 billion yuan, and the amount of personal insurance business compensation was 120 million yuan.

In fact, summer is often a period of natural disasters. Especially as my country has entered the main flood season in many places, the dangers of natural disasters such as floods are even more prominent, and people have paid more attention to disaster insurance. Insiders believe that the role of my country's insurance industry in the risk of huge natural disasters is increasingly significant. On the whole, the guarantee gap in the current disaster insurance is still large. The main force to promote the development of the disaster insurance is government agencies. Great disaster insurance has achieved better development.

Giant disaster insurance compensation percentage increases

"In 2008, Wenchuan earthquake insurance accounted for about 0.2%of losses, and the compensation of the flood disaster insurance industry in Henan accounted for about 10%of direct economic losses. Zhou Junhua, general manager of the business department, told the Securities Daily reporter.

According to Zhou Junhua, my country's Disaster Insurance System Protection System was initially established. In particular, in terms of earthquake disasters, the former Insurance Regulatory Commission and the Ministry of Finance issued documents such as the "Implementation Plan for Establishing a Urban and Rural Residents' Housing Earthquake Disaster Insurance System" to establish a regulatory system of earthquake disaster insurance systems. The community of earthquake disaster insurance community provided 64.24 billion yuan in risk protection for more than 16.74 million households in the country, and accumulated 70.37 million yuan in accumulated compensation.

In recent years, my country's local disaster insurance pilot has achieved significant results. At present, 18 regional disaster insurance projects such as Shenzhen, Yunnan, Ningbo, and Sichuan have successively landed. At the same time, according to the "Guiding Opinions of the General Office of the People's Government of Henan Province on the Pilot Work of Disaster Insurance", the pilot work of the province's giant disaster insurance will be carried out in 6 provinces and cities including Zhengzhou, Anyang, Xinxiang, Hebi, Zhoukou, and Xinyang. Co -insured by seven companies such as PICC Property Casualty Insurance.

In addition, the capacity of great disaster risk services in my country's insurance industry has also improved significantly. For example, in 2021, the insurance industry invested 61.21 million yuan in disaster prevention and mitigation funds, invested 57,000 people in disaster prevention and mitigation, and sent 96.08 million early warning information. At the same time, the insurance industry assisted 130,000 people to rescue the affected people, assisted in rescue of 147,000 migrant vehicles, and donated the insurance insurance amount of 2.78 billion yuan.

Need to improve market -oriented operation capabilities

"The losses caused by the disaster are huge. The government attaches great importance to the disaster prevention and mitigation and post -disaster reconstruction. The development of the disaster insurance is mainly due to the government's promotion. Cao Zhihong, an executive director, told the Securities Daily that at present, my country has relying on market -oriented methods to solve the tools and means of losses in the disaster.

According to the Rejuvenation Research Institute, in 2021, the economic losses caused by natural disasters around the world reached US $ 270 billion, and insurance compensation was about $ 110 billion, accounting for about 41%of the total economic losses. The gap in Asian commercial disaster insurance is particularly huge. Taking floods as an example, in the past 10 years, only 7%of Asia has economic losses to insure commercial insurance.

Zhang Renjiang, general manager of China Real Estate Insurance, said that with the acceleration of my country's modernization process, the urban population has increased, the economic volume becomes larger, the production factor is dense, and the impact of natural disasters on the safety of the lives and property of the economy, society and the people is more significant. According to the statistics of the National Emergency Management Department, from 2010 to 2020, the average annual loss of direct economic losses in China reached 368.37 billion yuan. "How to better manage the risks of disaster and establish a disaster insurance system that conforms to my country's national conditions is an important issue related to the livelihood of the country, people's livelihood, and sustainable development." Zhang Renjiang said.

It is reported that China Real Estate Insurance is actively participating in the construction of the national disaster insurance system and promotes the establishment of local disaster insurance. Among the 18 regional disaster insurance projects, the chief reinsurance of multiple projects will provide an underwriting capability of 6 billion yuan. /year. At the same time, actively guide industry infrastructure construction, launch risk maps, and expand weather services.

Cao Zhihong said that at present, my country's commercial insurance company will focus on traditional insurance such as auto insurance and property insurance that can bring a large market size. Few, restricting the supply of my country's commercial disaster insurance underwriting capabilities, this requires insurance companies to change their operating ideas and promote supply -side structural reforms.

Zhou Junhua also believes that promoting the better development of the disaster insurance needs to deepen the supply -side structural reform, improve the level of disaster insurance services, enhance the awareness of the commercial market cognition of the disaster risk, popularize the concept of social management in risk risks, comprehensive disaster insurance insurance The operation of operations should follow the principles of "government insurance, insurance insurement, market operation, and multi -level risks."

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