cciia.org.cn 2024-12-17 10:36:17 發改委網站(zhan)
近日，國(guo)家(jia)發(fa)展改革委、工業和信息化(hua)部、財政部、商(shang)務部、中國(guo)人民銀行(xing)、金(jin)融(rong)(rong)監管總(zong)局(ju)、中國(guo)證監會等部門(men)聯(lian)合印發(fa)了《關于發(fa)揮國(guo)內貿易信用(yong)(yong)保險作用(yong)(yong) 助力(li)提高內外貿一體化(hua)水平的意(yi)見》（發(fa)改財金(jin)〔2024〕1731號，以下簡稱《意(yi)見》）。記者就此采訪了國(guo)家(jia)發(fa)展改革委、商(shang)務部、金(jin)融(rong)(rong)監管總(zong)局(ju)有關負責同志。
問：《意見》出臺的背景和整體考慮是什么？
答：黨中(zhong)央、國(guo)務(wu)院高度重視加(jia)快(kuai)建設(she)全(quan)國(guo)統一(yi)(yi)(yi)(yi)大(da)市場、促(cu)進內(nei)外貿(mao)(mao)(mao)(mao)(mao)一(yi)(yi)(yi)(yi)體化(hua)發展(zhan)工作。黨的(de)(de)二十(shi)屆三(san)中(zhong)全(quan)會(hui)提出，強化(hua)貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)政策(ce)和財(cai)稅、金融、產(chan)業政策(ce)協同，打造貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)強國(guo)制(zhi)度支(zhi)撐和政策(ce)支(zhi)持體系，加(jia)快(kuai)內(nei)外貿(mao)(mao)(mao)(mao)(mao)一(yi)(yi)(yi)(yi)體化(hua)改革。國(guo)內(nei)貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)信用保(bao)(bao)險（以(yi)下簡(jian)稱“內(nei)貿(mao)(mao)(mao)(mao)(mao)險”）能夠(gou)分(fen)散企業貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)風險、降低市場流通(tong)成本，有利于促(cu)進商品(pin)服務(wu)暢通(tong)流動(dong)、優化(hua)貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)環(huan)境，是支(zhi)持外貿(mao)(mao)(mao)(mao)(mao)企業拓內(nei)銷(xiao)的(de)(de)有效(xiao)手(shou)段，對促(cu)進內(nei)外貿(mao)(mao)(mao)(mao)(mao)一(yi)(yi)(yi)(yi)體化(hua)發展(zhan)具有重要支(zhi)撐作用。當(dang)前(qian)，由于內(nei)貿(mao)(mao)(mao)(mao)(mao)險覆蓋面偏小、保(bao)(bao)障能力偏弱，一(yi)(yi)(yi)(yi)些貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)企業表示投保(bao)(bao)需求難以(yi)得到充分(fen)滿(man)足。為(wei)推動(dong)提高內(nei)貿(mao)(mao)(mao)(mao)(mao)險產(chan)品(pin)的(de)(de)供給水平和服務(wu)質量，營造鼓(gu)勵保(bao)(bao)險機構承(cheng)保(bao)(bao)和貿(mao)(mao)(mao)(mao)(mao)易(yi)(yi)企業投保(bao)(bao)的(de)(de)政策(ce)環(huan)境，經國(guo)務(wu)院同意，國(guo)家發展(zhan)改革委會(hui)同相關(guan)部門聯合印(yin)發了《意見(jian)》。
問：《意見》提出了哪些政策舉措？
答：《意(yi)見》堅持(chi)政(zheng)(zheng)府引導、市場(chang)運作相結合(he)的原則，針對(dui)保險(xian)(xian)(xian)機(ji)構(gou)承(cheng)保能力(li)(li)不(bu)足(zu)、企(qi)業(ye)(ye)對(dui)內(nei)貿(mao)(mao)險(xian)(xian)(xian)了解少(shao)(shao)、發(fa)展內(nei)貿(mao)(mao)險(xian)(xian)(xian)的配(pei)套(tao)(tao)保障措施偏少(shao)(shao)等問(wen)題，提出加(jia)(jia)大(da)對(dui)重點企(qi)業(ye)(ye)的內(nei)貿(mao)(mao)險(xian)(xian)(xian)保障力(li)(li)度、深化(hua)內(nei)貿(mao)(mao)險(xian)(xian)(xian)供(gong)給側改革、完善內(nei)貿(mao)(mao)險(xian)(xian)(xian)配(pei)套(tao)(tao)制(zhi)度、加(jia)(jia)強組織實(shi)施和跟蹤問(wen)效等四個方面(mian)政(zheng)(zheng)策(ce)，具體措施主要包(bao)括提升內(nei)貿(mao)(mao)險(xian)(xian)(xian)承(cheng)保能力(li)(li)、豐富內(nei)貿(mao)(mao)險(xian)(xian)(xian)產品和制(zhi)度供(gong)給、優(you)化(hua)企(qi)業(ye)(ye)投保內(nei)貿(mao)(mao)險(xian)(xian)(xian)費率機(ji)制(zhi)、加(jia)(jia)大(da)對(dui)內(nei)貿(mao)(mao)險(xian)(xian)(xian)推(tui)廣支持(chi)力(li)(li)度、夯實(shi)內(nei)貿(mao)(mao)險(xian)(xian)(xian)發(fa)展的社會信用基礎、發(fa)揮征信系統對(dui)內(nei)貿(mao)(mao)險(xian)(xian)(xian)支持(chi)作用、鼓勵開展內(nei)貿(mao)(mao)險(xian)(xian)(xian)配(pei)套(tao)(tao)延伸金(jin)融(rong)服務、依法(fa)打(da)擊虛(xu)假合(he)同和騙保等行為。
問：如何推動保險機構積極拓展內貿險業務？
答：金融監(jian)管部門將積極(ji)(ji)支(zhi)持有條件、有能(neng)力的(de)(de)各類(lei)保(bao)(bao)險(xian)(xian)機(ji)(ji)(ji)構(gou)積極(ji)(ji)開(kai)展內貿(mao)險(xian)(xian)業務(wu)。一是(shi)推動保(bao)(bao)險(xian)(xian)機(ji)(ji)(ji)構(gou)提(ti)(ti)高(gao)(gao)思想認識(shi)，強(qiang)(qiang)化責任擔當。引導保(bao)(bao)險(xian)(xian)機(ji)(ji)(ji)構(gou)充分(fen)認識(shi)發展內貿(mao)險(xian)(xian)業務(wu)的(de)(de)重(zhong)(zhong)要意義，鼓勵(li)提(ti)(ti)供(gong)多(duo)樣(yang)化、創新型內貿(mao)險(xian)(xian)產品，研究將內貿(mao)險(xian)(xian)工作(zuo)開(kai)展情況納入(ru)(ru)保(bao)(bao)險(xian)(xian)機(ji)(ji)(ji)構(gou)監(jian)管評(ping)價指標，助力全國統一大(da)(da)市場建設(she)，提(ti)(ti)升(sheng)服務(wu)高(gao)(gao)質(zhi)量發展質(zhi)效。二是(shi)突(tu)出重(zhong)(zhong)點(dian)，加(jia)力保(bao)(bao)障經(jing)營(ying)主體投保(bao)(bao)需求。積極(ji)(ji)發揮各類(lei)保(bao)(bao)險(xian)(xian)公司(si)作(zuo)用，加(jia)大(da)(da)對(dui)重(zhong)(zhong)點(dian)行業、重(zhong)(zhong)點(dian)區域(yu)、重(zhong)(zhong)點(dian)領(ling)域(yu)企(qi)業的(de)(de)內貿(mao)險(xian)(xian)服務(wu)力度(du)，提(ti)(ti)升(sheng)對(dui)被保(bao)(bao)險(xian)(xian)人為民營(ying)和中小微企(qi)業的(de)(de)承(cheng)保(bao)(bao)力度(du)。三(san)是(shi)加(jia)強(qiang)(qiang)能(neng)力建設(she)，穩(wen)步提(ti)(ti)高(gao)(gao)內貿(mao)險(xian)(xian)覆蓋面。推動保(bao)(bao)險(xian)(xian)公司(si)加(jia)大(da)(da)對(dui)內貿(mao)險(xian)(xian)的(de)(de)資(zi)源(yuan)傾斜和建設(she)投入(ru)(ru)，合理(li)厘定費率，優(you)化承(cheng)保(bao)(bao)理(li)賠(pei)。探索建立(li)內貿(mao)險(xian)(xian)共保(bao)(bao)體機(ji)(ji)(ji)制，加(jia)強(qiang)(qiang)對(dui)內貿(mao)險(xian)(xian)的(de)(de)再保(bao)(bao)險(xian)(xian)支(zhi)持。
問：如何引導內外貿企業積極投保內貿險？
答：商務部門將圍(wei)繞落實《意見(jian)》要求，舉辦(ban)保險(xian)機構和內(nei)(nei)外(wai)貿(mao)(mao)(mao)(mao)企(qi)(qi)業(ye)對接活動，引導(dao)各類貿(mao)(mao)(mao)(mao)易企(qi)(qi)業(ye)充分認(ren)識內(nei)(nei)貿(mao)(mao)(mao)(mao)險(xian)的積極作用，不(bu)斷提(ti)(ti)高企(qi)(qi)業(ye)投(tou)保意愿(yuan)和投(tou)保規(gui)模，鼓(gu)勵(li)外(wai)貿(mao)(mao)(mao)(mao)企(qi)(qi)業(ye)統(tong)籌用好出口(kou)信用保險(xian)和內(nei)(nei)貿(mao)(mao)(mao)(mao)險(xian)。鼓(gu)勵(li)有條件的地(di)區以市場化方式支持企(qi)(qi)業(ye)投(tou)保內(nei)(nei)貿(mao)(mao)(mao)(mao)險(xian)，推動外(wai)貿(mao)(mao)(mao)(mao)大(da)省開展(zhan)內(nei)(nei)貿(mao)(mao)(mao)(mao)險(xian)促進內(nei)(nei)外(wai)貿(mao)(mao)(mao)(mao)一(yi)體化發展(zhan)試點(dian)，提(ti)(ti)高內(nei)(nei)貿(mao)(mao)(mao)(mao)險(xian)服務保障能力，助力提(ti)(ti)升內(nei)(nei)外(wai)貿(mao)(mao)(mao)(mao)一(yi)體化水平。
問：全國信用信息共享平臺如何支持保險機構發展內貿險業務？
答：全(quan)國(guo)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)共(gong)享(xiang)平臺(tai)(tai)是(shi)(shi)由國(guo)家(jia)發(fa)(fa)展改革(ge)(ge)(ge)委(wei)牽(qian)頭建立(li)的(de)(de)重要信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)基礎設施，已(yi)經(jing)與47個(ge)部門和31個(ge)省（區、市）互(hu)(hu)聯互(hu)(hu)通(tong)，匯聚了(le)在(zai)中華人民共(gong)和國(guo)境內(nei)(nei)注冊(ce)的(de)(de)經(jing)營(ying)主體(ti)的(de)(de)超過(guo)780億條信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)。根據《意見》要求(qiu)(qiu)，國(guo)家(jia)發(fa)(fa)展改革(ge)(ge)(ge)委(wei)將(jiang)從以下三方面入手，發(fa)(fa)揮好全(quan)國(guo)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)共(gong)享(xiang)平臺(tai)(tai)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)歸集(ji)共(gong)享(xiang)“總(zong)樞紐(niu)”功能(neng)，為保(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)發(fa)(fa)展內(nei)(nei)貿(mao)險(xian)(xian)(xian)業務(wu)(wu)提供支撐。一(yi)是(shi)(shi)安全(quan)有序開放信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)。在(zai)保(bao)(bao)(bao)證信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)安全(quan)的(de)(de)前(qian)提下，支持(chi)保(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)依(yi)法(fa)合(he)規接(jie)入全(quan)國(guo)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)共(gong)享(xiang)平臺(tai)(tai)，在(zai)開展內(nei)(nei)貿(mao)險(xian)(xian)(xian)相(xiang)關業務(wu)(wu)時依(yi)授(shou)權查詢(xun)使用(yong)(yong)(yong)(yong)(yong)經(jing)營(ying)主體(ti)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)。二(er)是(shi)(shi)推廣信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)報告(gao)和公共(gong)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)綜合(he)評(ping)(ping)(ping)價。國(guo)家(jia)發(fa)(fa)展改革(ge)(ge)(ge)委(wei)依(yi)托全(quan)國(guo)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)共(gong)享(xiang)平臺(tai)(tai)建立(li)了(le)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)報告(gao)制度，并定期對經(jing)營(ying)主體(ti)開展全(quan)覆(fu)蓋式公共(gong)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)綜合(he)評(ping)(ping)(ping)價。入駐平臺(tai)(tai)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)可(ke)以查詢(xun)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)報告(gao)和評(ping)(ping)(ping)價結(jie)果(guo)，為承保(bao)(bao)(bao)決策提供參考。三是(shi)(shi)強(qiang)化內(nei)(nei)貿(mao)險(xian)(xian)(xian)業務(wu)(wu)對接(jie)。國(guo)家(jia)發(fa)(fa)展改革(ge)(ge)(ge)委(wei)依(yi)托全(quan)國(guo)信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)平臺(tai)(tai)建立(li)了(le)全(quan)國(guo)一(yi)體(ti)化融資信(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)服務(wu)(wu)平臺(tai)(tai)網絡，目前(qian)已(yi)有約(yue)5500萬家(jia)企業注冊(ce)并通(tong)過(guo)平臺(tai)(tai)網絡提出融資相(xiang)關需求(qiu)(qiu)。國(guo)家(jia)發(fa)(fa)展改革(ge)(ge)(ge)委(wei)將(jiang)大力支持(chi)有意愿的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)通(tong)過(guo)平臺(tai)(tai)網絡發(fa)(fa)布保(bao)(bao)(bao)險(xian)(xian)(xian)產品并在(zai)線受理包括(kuo)內(nei)(nei)貿(mao)險(xian)(xian)(xian)在(zai)內(nei)(nei)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)業務(wu)(wu)申請。
問：如何保障《意見》的貫徹落實？
答：《意見(jian)》提(ti)出(chu)兩個(ge)方面(mian)的(de)貫徹落實(shi)(shi)要(yao)求(qiu)。一是壓實(shi)(shi)各(ge)(ge)方責任。建(jian)立促進(jin)內貿險高質(zhi)量發展的(de)部(bu)門(men)(men)聯(lian)(lian)動(dong)工作機制(zhi)，開展不(bu)定期工作會商(shang)，加強對內貿險發展的(de)統(tong)籌協調(diao)和(he)組織(zhi)領導。要(yao)求(qiu)各(ge)(ge)地區、各(ge)(ge)部(bu)門(men)(men)明確(que)責任單位，制(zhi)定細化(hua)落實(shi)(shi)舉(ju)措，明確(que)時間表(biao)和(he)路線(xian)圖，扎實(shi)(shi)推進(jin)相關工作。二是閉環(huan)跟蹤問效。要(yao)求(qiu)各(ge)(ge)地區、各(ge)(ge)部(bu)門(men)(men)和(he)各(ge)(ge)金(jin)融機構按(an)季度(du)匯總調(diao)度(du)工作進(jin)展報跨部(bu)門(men)(men)聯(lian)(lian)動(dong)工作機制(zhi)。依(yi)托監管信息報送系(xi)統(tong)，按(an)月統(tong)計內貿險出(chu)單情(qing)況、保(bao)障規模、賠付金(jin)額等分維度(du)數據，并(bing)及時在(zai)部(bu)門(men)(men)間進(jin)行共享，共同研(yan)判落實(shi)(shi)情(qing)況，推動(dong)有關方面(mian)解決存在(zai)問題。
日期：2024-12-17 10:36:17 | 關閉 |
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