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《農業保險條例》有關問題答記者問

//cciia.org.cn　 2012-11-17 9:14:05　 來源(yuan)：中國(guo)政府網

國務院法制辦、中國保監會負責人就《農業保險條例》有關問題答記者問

    2012年11月12日，國務院總理溫家寶簽署國務院令，公布《農業保險條例》，自(zi)2013年3月1日起施(shi)行。日前，國務院法(fa)制辦、中(zhong)國保監會負責(ze)人就(jiu)條例的有關問題回(hui)答了記(ji)者的提問。

    問：為什么要制定《農業保險條例》？

    答：發(fa)展農(nong)(nong)(nong)業保(bao)險，充分發(fa)揮保(bao)險機(ji)制(zhi)的(de)作(zuo)用，分散和轉移農(nong)(nong)(nong)業風(feng)險，對(dui)(dui)于(yu)提高農(nong)(nong)(nong)業抗風(feng)險能(neng)力，穩定農(nong)(nong)(nong)業生產(chan)，保(bao)護農(nong)(nong)(nong)民利益，具(ju)有重(zhong)要(yao)意義。黨中央、國務(wu)院對(dui)(dui)發(fa)展農(nong)(nong)(nong)業保(bao)險高度(du)重(zhong)視，對(dui)(dui)建(jian)立和發(fa)展農(nong)(nong)(nong)業保(bao)險提出了明確要(yao)求。《農(nong)(nong)(nong)業法》也(ye)作(zuo)出了“國家(jia)建(jian)立和完善農(nong)(nong)(nong)業保(bao)險制(zhi)度(du)”的(de)規定。

    近年來，我(wo)國(guo)(guo)農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)發(fa)(fa)展迅(xun)速,承保(bao)(bao)品種已(yi)覆蓋農(nong)(nong)、林、牧、漁(yu)業各方面，開辦區域(yu)已(yi)覆蓋所有(you)省（區、市(shi)）。2011年，全國(guo)(guo)農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)共承保(bao)(bao)農(nong)(nong)作(zuo)物(wu)及林木17.19億(yi)(yi)(yi)畝，同比增長148.3%，其(qi)中水稻、小麥、玉(yu)米、大豆、棉花等主要(yao)農(nong)(nong)作(zuo)物(wu)承保(bao)(bao)面積(ji)7.87億(yi)(yi)(yi)畝，增長49.2%，占當(dang)年種植總面積(ji)的40%左右(you)；共承保(bao)(bao)牲畜7.3億(yi)(yi)(yi)頭（只(zhi)），增長15.3%；參保(bao)(bao)農(nong)(nong)戶1.69億(yi)(yi)(yi)戶次，保(bao)(bao)險(xian)(xian)(xian)總金額6523億(yi)(yi)(yi)元(yuan)，分(fen)別增長20.2%和65.4%；支付保(bao)(bao)險(xian)(xian)(xian)賠(pei)款89億(yi)(yi)(yi)元(yuan)，受益農(nong)(nong)戶2283萬戶次。農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)已(yi)成為國(guo)(guo)家(jia)支農(nong)(nong)惠農(nong)(nong)政(zheng)策的重要(yao)組(zu)成部分(fen)，受到廣大農(nong)(nong)戶的普遍歡迎。為了規范農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)活動(dong)，保(bao)(bao)護農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)活動(dong)當(dang)事人的合(he)法權益，促進農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)事業健康發(fa)(fa)展，有(you)必要(yao)在認真總結(jie)農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)發(fa)(fa)展實踐(jian)經驗的基礎上(shang)，制(zhi)定農(nong)(nong)業保(bao)(bao)險(xian)(xian)(xian)條例。

    問：條例對農業保險的政策支持作了哪些規定？

    答：多年來(lai)，中央(yang)和地(di)方(fang)財政(zheng)(zheng)大力支(zhi)持發展農(nong)業保(bao)險(xian)。2007年至(zhi)2011年，中央(yang)財政(zheng)(zheng)累計給予農(nong)業保(bao)險(xian)費(fei)補貼(tie)達(da)264億元(yuan)。各級(ji)財政(zheng)(zheng)對(dui)主要農(nong)作物的(de)(de)(de)保(bao)險(xian)費(fei)補貼(tie)合計占應收保(bao)險(xian)費(fei)的(de)(de)(de)比(bi)例達(da)80%。可(ke)以說，沒有國(guo)家的(de)(de)(de)財政(zheng)(zheng)支(zhi)持等措施，就(jiu)沒有農(nong)業保(bao)險(xian)的(de)(de)(de)發展。

    為使國(guo)家對(dui)農(nong)業(ye)(ye)(ye)(ye)保(bao)險的(de)支(zhi)持(chi)(chi)(chi)措施(shi)規(gui)范化、制度(du)化，條(tiao)例作了如下規(gui)定(ding)：一(yi)是(shi)國(guo)家支(zhi)持(chi)(chi)(chi)發(fa)展多(duo)種形(xing)式的(de)農(nong)業(ye)(ye)(ye)(ye)保(bao)險，健全政(zheng)策性農(nong)業(ye)(ye)(ye)(ye)保(bao)險制度(du)。二是(shi)對(dui)符合規(gui)定(ding)的(de)農(nong)業(ye)(ye)(ye)(ye)保(bao)險由(you)財(cai)政(zheng)部(bu)門(men)給(gei)予(yu)保(bao)險費(fei)補貼，并建立財(cai)政(zheng)支(zhi)持(chi)(chi)(chi)的(de)農(nong)業(ye)(ye)(ye)(ye)保(bao)險大(da)災(zai)風險分(fen)散機制，具體辦法(fa)由(you)國(guo)務院財(cai)政(zheng)部(bu)門(men)會同國(guo)務院有關(guan)部(bu)門(men)制定(ding)。三是(shi)鼓勵(li)地方政(zheng)府采取由(you)地方財(cai)政(zheng)給(gei)予(yu)保(bao)險費(fei)補貼、建立地方財(cai)政(zheng)支(zhi)持(chi)(chi)(chi)的(de)農(nong)業(ye)(ye)(ye)(ye)保(bao)險大(da)災(zai)風險分(fen)散機制等(deng)措施(shi)，支(zhi)持(chi)(chi)(chi)發(fa)展農(nong)業(ye)(ye)(ye)(ye)保(bao)險。四是(shi)對(dui)農(nong)業(ye)(ye)(ye)(ye)保(bao)險經營依法(fa)給(gei)予(yu)稅收優惠，鼓勵(li)金(jin)融機構加大(da)對(dui)投(tou)保(bao)農(nong)業(ye)(ye)(ye)(ye)保(bao)險的(de)農(nong)民和(he)農(nong)業(ye)(ye)(ye)(ye)生產經營組織(zhi)的(de)信(xin)貸支(zhi)持(chi)(chi)(chi)力度(du)。

    問：針對農業保險合同和農業保險業務經營規則，條例作了哪些規定？

    答：條(tiao)例總結農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)發(fa)展的實踐經(jing)驗，側重于保(bao)(bao)(bao)(bao)(bao)(bao)護投保(bao)(bao)(bao)(bao)(bao)(bao)農(nong)(nong)(nong)戶(hu)的利益(yi)，針對農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務的特點，對農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)(he)同(tong)和(he)(he)(he)農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務經(jing)營(ying)規(gui)(gui)則(ze)作了如(ru)下規(gui)(gui)定(ding)(ding)：一是(shi)為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)持農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)(he)同(tong)的穩定(ding)(ding)性，規(gui)(gui)定(ding)(ding)農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)(he)同(tong)當事(shi)人在合(he)(he)同(tong)有(you)效期內，不得因保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的危險(xian)(xian)(xian)(xian)(xian)(xian)程(cheng)度(du)(du)發(fa)生變化(hua)而增加保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)費或者(zhe)(zhe)解除保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)(he)同(tong)。二是(shi)為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)障受災農(nong)(nong)(nong)戶(hu)及時足額得到保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)賠(pei)償(chang)(chang)，規(gui)(gui)定(ding)(ding)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機(ji)構(gou)接到發(fa)生保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事(shi)故(gu)的通知后，應當及時進行現場查(cha)勘(kan)(kan)，會同(tong)被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人核定(ding)(ding)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的受損情況(kuang)，并在與被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人達(da)成(cheng)賠(pei)償(chang)(chang)協議后10日內，將應賠(pei)償(chang)(chang)的保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)支付(fu)給被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人，且保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機(ji)構(gou)應當按照合(he)(he)同(tong)約(yue)定(ding)(ding)，根據保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的損失程(cheng)度(du)(du)足額支付(fu)應賠(pei)償(chang)(chang)的保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)。三(san)是(shi)為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)證(zheng)定(ding)(ding)損和(he)(he)(he)理(li)賠(pei)結果的公(gong)開、公(gong)平、公(gong)正，規(gui)(gui)定(ding)(ding)農(nong)(nong)(nong)業(ye)(ye)(ye)生產組(zu)織(zhi)或者(zhe)(zhe)村民(min)委員會等單位組(zu)織(zhi)農(nong)(nong)(nong)民(min)投保(bao)(bao)(bao)(bao)(bao)(bao)的，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機(ji)構(gou)應當將查(cha)勘(kan)(kan)定(ding)(ding)損結果和(he)(he)(he)理(li)賠(pei)結果予以公(gong)示。四是(shi)為(wei)合(he)(he)理(li)確定(ding)(ding)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)費率和(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)條(tiao)款(kuan)，規(gui)(gui)定(ding)(ding)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機(ji)構(gou)應當在充分聽取(qu)省級人民(min)政府財(cai)政、農(nong)(nong)(nong)業(ye)(ye)(ye)、林業(ye)(ye)(ye)部門(men)和(he)(he)(he)農(nong)(nong)(nong)民(min)代表意見的基礎(chu)上，公(gong)平、合(he)(he)理(li)地擬(ni)定(ding)(ding)農(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)條(tiao)款(kuan)和(he)(he)(he)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)費率，并依法報(bao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)監督(du)管理(li)機(ji)構(gou)審批或者(zhe)(zhe)備案(an)。

    問：為了防范農業保險經營風險，條例作了哪些規定？

    答(da)：條例(li)高度(du)重視防(fang)范農(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)經營(ying)風險(xian)(xian)，為(wei)確(que)保(bao)(bao)農(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)依(yi)法合規經營(ying)，真正發(fa)揮(hui)支農(nong)(nong)惠農(nong)(nong)作用(yong)，條例(li)作了(le)如下規定(ding)：一是(shi)(shi)規定(ding)保(bao)(bao)險(xian)(xian)機(ji)構應當有完善的(de)農(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)內控制(zhi)度(du)，有穩(wen)健的(de)農(nong)(nong)業(ye)(ye)再保(bao)(bao)險(xian)(xian)和大災風險(xian)(xian)安排及風險(xian)(xian)應對預案，其償付(fu)能力以(yi)及農(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)的(de)準備金評估(gu)、償付(fu)能力報告(gao)編制(zhi)應符合國務(wu)院保(bao)(bao)險(xian)(xian)監督管(guan)理機(ji)構的(de)規定(ding)。二是(shi)(shi)為(wei)切(qie)實保(bao)(bao)證財政給(gei)予的(de)保(bao)(bao)險(xian)(xian)費補(bu)貼(tie)依(yi)法使(shi)用(yong)，規定(ding)禁止以(yi)虛(xu)構或(huo)者虛(xu)增保(bao)(bao)險(xian)(xian)標(biao)的(de)、虛(xu)假(jia)理賠(pei)、虛(xu)列費用(yong)等任何方式(shi)騙取(qu)財政給(gei)予的(de)保(bao)(bao)險(xian)(xian)費補(bu)貼(tie)。三(san)是(shi)(shi)對違反條例(li)規定(ding)行為(wei)的(de)法律責任作了(le)明確(que)規定(ding)。

日期：2012-11-17 9:14:05 | 關閉 |  分享到：