cciia.org.cn 2023-4-14 16:38:03 中國銀保(bao)監會官網
根(gen)據中(zhong)央(yang)經濟工作會議和中(zhong)央(yang)農(nong)村工作會議精神,按(an)照(zhao)《中(zhong)共(gong)中(zhong)央(yang) 國務(wu)院關(guan)于(yu)做(zuo)好2023年全面推(tui)進鄉(xiang)村振興重點(dian)工作的(de)意(yi)見》決策(ce)部署(shu),中(zhong)國銀保(bao)監(jian)會于(yu)近(jin)日印發了《關(guan)于(yu)銀行(xing)業保(bao)險業做(zuo)好2023年全面推(tui)進鄉(xiang)村振興重點(dian)工作的(de)通知》(以下(xia)簡稱(cheng)《通知》)。
《通知》圍繞銀行業保險業服務全面(mian)推進(jin)(jin)鄉村(cun)振興(xing)重點工作的任務目標(biao),堅持穩中求(qiu)進(jin)(jin)工作總基調,堅持農業農村(cun)優先發展,從(cong)聚焦農業強(qiang)國建設重點領(ling)域、強(qiang)化農村(cun)金融(rong)服務能力(li)建設、提升“三農”領(ling)域保險服務質效(xiao)、強(qiang)化監管引領(ling)等四個方面(mian)提出(chu)十五項工作要(yao)求(qiu)。
《通(tong)知》指出(chu)銀行業(ye)(ye)保險(xian)業(ye)(ye)要聚焦農(nong)業(ye)(ye)強(qiang)國建設重點(dian)領(ling)(ling)域(yu)(yu)(yu)。優先(xian)保障糧(liang)食和(he)重要農(nong)產品各環節(jie)金(jin)(jin)融(rong)(rong)供給,積極服務新一(yi)輪千億(yi)斤糧(liang)食產能提升行動,探索金(jin)(jin)融(rong)(rong)支持(chi)高標(biao)準農(nong)田建設領(ling)(ling)域(yu)(yu)(yu)的(de)(de)有(you)效模式(shi),強(qiang)化對種(zhong)業(ye)(ye)、農(nong)業(ye)(ye)科(ke)技和(he)農(nong)機裝備(bei)等(deng)關鍵領(ling)(ling)域(yu)(yu)(yu)的(de)(de)金(jin)(jin)融(rong)(rong)支持(chi)。助力守住不發(fa)生規模性返貧底線,積極投入鄉(xiang)村產業(ye)(ye)振(zhen)興,創新農(nong)村基礎設施建設領(ling)(ling)域(yu)(yu)(yu)綜合平衡(heng)融(rong)(rong)資模式(shi),持(chi)續改(gai)善農(nong)民工等(deng)新市民群體金(jin)(jin)融(rong)(rong)服務。
《通知(zhi)》要求(qiu)銀行(xing)業保(bao)險(xian)業強化農(nong)(nong)村(cun)金融(rong)(rong)(rong)(rong)服(fu)務(wu)能力(li)(li)(li)建設,健全農(nong)(nong)村(cun)金融(rong)(rong)(rong)(rong)服(fu)務(wu)體系,構(gou)建層次(ci)分明、優勢互補的機(ji)構(gou)服(fu)務(wu)體系,深化銀行(xing)機(ji)構(gou)內(nei)部(bu)專營(ying)機(ji)制建設,加(jia)大涉(she)農(nong)(nong)金融(rong)(rong)(rong)(rong)內(nei)部(bu)資源(yuan)傾斜力(li)(li)(li)度。針對涉(she)農(nong)(nong)經營(ying)主體的融(rong)(rong)(rong)(rong)資需求(qiu)特點(dian),創新差(cha)異化的金融(rong)(rong)(rong)(rong)產(chan)品和服(fu)務(wu),發展首貸、信用(yong)貸以及中長期(qi)貸款,提升(sheng)涉(she)農(nong)(nong)金融(rong)(rong)(rong)(rong)數字化服(fu)務(wu)水平。加(jia)強涉(she)農(nong)(nong)信貸的貸后管理,防(fang)范涉(she)農(nong)(nong)信用(yong)風險(xian),避免過度授信、違(wei)規收費等行(xing)為,加(jia)強農(nong)(nong)村(cun)地區(qu)金融(rong)(rong)(rong)(rong)知(zhi)識(shi)宣傳(chuan)普及力(li)(li)(li)度。
《通知》要求保(bao)險(xian)(xian)公司積極推進農(nong)(nong)業保(bao)險(xian)(xian)擴(kuo)面(mian)增品,拓展完全成(cheng)本保(bao)險(xian)(xian)和種植收入保(bao)險(xian)(xian)業務覆蓋面(mian),因地(di)制宜開(kai)展地(di)方優(you)勢特色農(nong)(nong)產品保(bao)險(xian)(xian)。研發符合農(nong)(nong)民需求特點的人身險(xian)(xian)產品。提升涉農(nong)(nong)保(bao)險(xian)(xian)承保(bao)理賠效率,努力做到“愿保(bao)盡保(bao)”、“應賠盡賠”、“快(kuai)賠早賠”。
《通知》要求持續加強監管考核引(yin)領(ling),穩(wen)定(ding)增(zeng)加涉(she)農(nong)(nong)信(xin)貸(dai)(dai)投入。明(ming)確(que)了(le)涉(she)農(nong)(nong)信(xin)貸(dai)(dai)、縣域金(jin)融(rong)(rong)(rong)服務(wu)、農(nong)(nong)村基(ji)礎(chu)金(jin)融(rong)(rong)(rong)服務(wu)、脫貧地區金(jin)融(rong)(rong)(rong)供給、糧食重點領(ling)域信(xin)貸(dai)(dai)等(deng)考核監測(ce)目標(biao)。要求各級監管部(bu)門(men)做好監測(ce)考核工(gong)作,優化涉(she)農(nong)(nong)金(jin)融(rong)(rong)(rong)發展(zhan)環境,積極(ji)推(tui)進涉(she)農(nong)(nong)信(xin)用信(xin)息平臺標(biao)準(zhun)化規范化建設,推(tui)動完善農(nong)(nong)村產(chan)權流轉市場(chang)體系,健全涉(she)農(nong)(nong)金(jin)融(rong)(rong)(rong)風險補償機制,加強試點探索和示范引(yin)領(ling)。
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