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宁波获批试点巨灾保障(图)

来源: 南方日报网络版     时间: 2019年05月26日 06:58:54
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重疆10分彩注册平台直属招商客服【微信QQ同步】7915171诚招代理龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。宁波获批试点巨灾保障(图)

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(本)(报)(记)(者)(刘)(艾)(琳)(宁)(波)(报)(道)(  继)(云)(南)(、深)(圳)(之)(后)(,宁)(波)(将)(成)(为)(第)(三)(个)(试)(点)(巨)(灾)(保)(障)(机)(制)(的)(地)(区)(。3月)(底)(,保)(监)(会)(副)(主)(席)(陈)(文)(辉)(赴)(宁)(波)(调)(研)(,考)(察)(去)(年)(受)(灾)(“菲)(特)(”的)(理)(赔)(总)(结)(外)(,还)(了)(解)(了)(宁)(波)(探)(索)(巨)(灾)(保)(障)(机)(制)(的)(详)(细)(方)(案)(。  “会)(里)(已)(经)(正)(式)(批)(复)(我)(们)(可)(以)(开)(展)(巨)(灾)(试)(点)(工)(作)(”。4月)(10日)(,宁)(波)(市)(政)(府)(金)(融)(办)(副)(主)(任)(王)(勉)(对)(本)(报)(记)(者)(介)(绍)(,与)(云)(南)(、深)(圳)(试)(点)(方)(案)(不)(同)(,宁)(波)(的)(初)(步)(计)(划)(是)(从)(当)(地)(居)(民)(人)(身)(、家)(财)(险)(起)(步)(,主)(要)(承)(保)(台)(风)(、暴)(雨)(和)(洪)(水)(三)(项)(灾)(难)(因)(子)(,并)(由)(财)(政)(负)(担)(初)(期)(保)(费)(;在)(农)(险)(方)(面)(,以)(再)(保)(补)(贴)(的)(形)(式)(提)(高)(农)(业)(保)(险)(深)(度)(;同)(时)(财)(政)(还)(将)(拨)(款)(建)(立)(专)(项)(巨)(灾)(保)(障)(基)(金)(。  提)(高)(中)(小)(企)(财)(产)(险)(承)(保)(面)(也)(是)(亟)(待)(解)(决)(的)(问)(题)(,但)(涉)(及)(承)(保)(风)(险)(相)(对)(较)(高)(,该)(项)(工)(作)(被)(政)(府)(列)(为)(巨)(灾)(保)(障)(的)(后)(期)(任)(务)(。  王)(坦)(言)(,宁)(波)(推)(动)(巨)(灾)(保)(障)(的)(直)(接)(动)(因)(来)(自)(“菲)(特)(”。当)(地)(保)(险)(业)(为)(“菲)(特)(”造)(成)(的)(损)(失)(赔)(付)(总)(额)(超)(过)(35亿)(。这)(一)(数)(据)(,3倍)(于)(新)(中)(国)(成)(立)(以)(来)(宁)(波)(保)(险)(业)(累)(积)(利)(润)(总)(和)(,2倍)(于)(2008年)(汶)(川)(大)(地)(震)(保)(险)(赔)(付)(总)(额)(。  尽)(管)(如)(此)(,相)(比)(“菲)(特)(”台)(风)(给)(宁)(波)(带)(来)(的)(334亿)(直)(接)(经)(济)(损)(失)(,保)(险)(的)(覆)(盖)(率)(仍)(只)(有)(一)(成)(,近)(90%的)(损)(失)(仍)(由)(个)(人)(、企)(业)(和)(政)(府)(承)(担)(。  对)(直)(保)(公)(司)(而)(言)(,当)(年)(“菲)(特)(”理)(赔)(支)(出)(与)(分)(支)(机)(构)(绩)(效)(脱)(钩)(,亏)(损)(被)(提)(升)(至)(总)(公)(司)(层)(面)(消)(化)(。“救)(灾)(和)(理)(赔)(中)(保)(险)(发)(挥)(重)(要)(安)(定)(人)(心)(作)(用)(,但)(确)(实)(也)(总)(结)(出)(需)(要)(我)(们)(保)(险)(业)(自)(身)(有)(待)(完)(善)(的)(地)(方)(。”11日)(,太)(保)(财)(险)(宁)(波)(分)(公)(司)(负)(责)(人)(对)(本)(报)(记)(者)(坦)(言)(。该)(次)(最)(大)(单)(理)(赔)(额)(超)(过)(7000万)(,来)(自)(太)(保)(财)(险)(承)(保)(的)(当)(地)(一)(家)(光)(学)(科)(技)(企)(业)(。  农)(险)(覆)(盖)(率)(不)(到)(10%且)(亏)(损)(  台)(风)(导)(致)(的)(强)(降)(雨)(,受)(损)(最)(大)(的)(是)(机)(动)(车)(辆)(和)(农)(田)(。机)(动)(车)(受)(淹)(理)(赔)(标)(准)(不)(一)(、农)(险)(覆)(盖)(率)(不)(到)(10%且)(亏)(损)(,都)(是)(保)(险)(业)(亟)(待)(解)(决)(的)(问)(题)(。  8万)(辆)(机)(动)(车)(受)(灾)(,车)(险)(实)(际)(理)(赔)(金)(额)(超)(过)(16亿)(。大)(灾)(面)(前)(各)(家)(保)(险)(公)(司)(应)(要)(求)(放)(宽)(并)(统)(一)(理)(赔)(标)(准)(,“例)(如)(定)(损)(时)(只)(要)(水)(淹)(过)(仪)(表)(盘)(就)(推)(定)(为)(全)(损)(。理)(赔)(时)(涉)(及)(车)(辆)(购)(置)(税)(、二)(次)(点)(火)(等)(争)(议)(较)(大)(的)(款)(项)(,都)(通)(融)(处)(理)(。”11日)(,一)(位)(宁)(波)(保)(监)(局)(内)(部)(人)(士)(对)(本)(报)(记)(者)(坦)(言)(称)(,很)(多)(车)(主)(获)(得)(了)(超)(过)(实)(际)(价)(值)(的)(赔)(付)(,很)(难)(避)(免)(,只)(能)(从)(车)(险)(自)(身)(条)(款)(上)(改)(善)(。  车)(险)(条)(款)(有)(全)(国)(统)(一)(的)(限)(制)(成)(分)(,分)(公)(司)(无)(法)(对)(条)(款)(细)(则)(作)(出)(与)(当)(地)(交)(通)(、人)(身)(等)(实)(际)(情)(况)(更)(匹)(配)(的)(修)(改)(。保)(监)(会)(曾)(一)(度)(力)(推)(的)(车)(险)(市)(场)(化)(改)(革)(,仍)(迟)(迟)(无)(实)(际)(进)(展)(。  “会)(里)(一)(直)(在)(推)(进)(车)(险)(改)(革)(的)(工)(作)(,希)(望)(能)(将)(这)(类)(大)(灾)(特)(殊)(情)(况)(下)(的)(理)(赔)(机)(制)(也)(考)(虑)(在)(内)(,大)(灾)(下)(赔)(付)(的)(模)(糊)(地)(带)(本)(身)(也)(应)(该)(是)(承)(保)(风)(险)(需)(要)(考)(虑)(的)(一)(部)(分)(。”上)(述)(太)(保)(人)(士)(说)(。  相)(比)(之)(下)(,政)(策)(性)(农)(险)(的)(赔)(付)(率)(则)(远)(低)(于)(车)(险)(,“甚)(至)(连)(成)(本)(都)(不)(能)(覆)(盖)(”。此)(次)(受)(灾)(农)(险)(的)(总)(赔)(款)(为)(1.5亿)(,但)(农)(险)(实)(际)(直)(接)(损)(失)(超)(过)(25亿)(,损)(失)(是)(赔)(付)(的)(17倍)(。  宁)(波)(地)(区)(农)(险)(承)(保)(采)(用)(的)(是)(共)(保)(体)(模)(式)(,由)(人)(保)(财)(险)(、太)(保)(财)(险)(等)(具)(备)(农)(险)(牌)(照)(的)(公)(司)(统)(一)(协)(商)(条)(款)(后)(对)(外)(承)(保)(。  “经)(营)(模)(式)(比)(较)(传)(统)(和)(单)(一)(,我)(们)(正)(在)(设)(计)(生)(猪)(价)(格)(指)(数)(保)(险)(等)(更)(贴)(近)(农)(险)(特)(性)(的)(险)(种)(,县)(区)(政)(府)(也)(在)(推)(进)(  农)(险)(深)(度)(,大)(灾)(之)(后)(农)(户)(的)(投)(保)(意)(愿)(多)(少)(会)(有)(所)(提)(高)(。”人)(保)(财)(险)(宁)(波)(分)(公)(司)(一)(位)(负)(责)(人)(对)(本)(报)(记)(者)(说)(。  目)(前)(宁)(波)(农)(险)(的)(保)(障)(额)(度)(为)(45.6亿)(,当)(地)(农)(业)(的)(总)(产)(值)(去)(年)(为)(430亿)(,农)(险)(渗)(透)(率)(约)(10%。按)(宁)(波)(市)(政)(府)(的)(计)(划)(,巨)(灾)(保)(障)(中)(设)(置)(农)(险)(大)(灾)(分)(散)(机)(制)(,补)(贴)(给)(公)(司)(的)(再)(保)(费)(用)(800万)(/年)(,希)(望)(能)(从)(现)(有)(10%的)(渗)(透)(率)(提)(升)(至)(40%。  每)(年)(近)(亿)(财)(政)(扶)(持)(巨)(灾)(  在)(宁)(波)(巨)(灾)(报)(送)(方)(案)(中)(,当)(地)(财)(政)(购)(买)(商)(业)(保)(险)(公)(司)(的)(巨)(灾)(保)(险)(产)(品)((初)(期)(为)(人)(身)(险)(、家)(财)(险)(以)(及)(农)(险)(的)(再)(保)(补)(贴)(),灾)(害)(因)(子)(主)(要)(设)(定)(为)(台)(风)(、暴)(雨)(和)(洪)(水)(,范)(围)(小)(于)(深)(圳)(方)(案)(。  具)(体)(如)(下)(:政)(府)(拟)(每)(年)(出)(资)(6000万)(元)(,其)(中)(,人)(身)(伤)(害)(保)(费)(人)(均)(3元)(,按)(1000万)(常)(住)(人)(口)(投)(保)(;家)(庭)(财)(产)(保)(费)(农)(村)(每)(户)(18元)(,城)(区)(每)(户)(3元)(。保)(险)(金)(额)(人)(伤)(20万)(元)(/人)(,财)(产)(损)(失)(2000元)(/户)(,累)(计)(赔)(偿)(限)(额)(为)(人)(伤)(10亿)(元)(,财)(产)(损)(失)(6亿)(元)(。  除)(去)(保)(费)(6000万)(的)(财)(政)(支)(出)(和)(800万)(农)(险)(再)(保)(补)(贴)(,当)(地)(政)(府)(还)(拟)(出)(资)(数)(千)(万)(建)(立)(巨)(灾)(基)(金)((农)(险)(基)(金)(单)(独)(设)(立)()。希)(望)(在)(政)(府)(主)(导)(下)(能)(吸)(引)(更)(多)(层)(次)(社)(会)(资)(金)(进)(入)(,提)(高)(抗)(灾)(能)(力)(。  “对)(于)(巨)(灾)(保)(障)(基)(金)(的)(归)(集)(统)(筹)(,我)(们)(有)(一)(些)(创)(新)(想)(法)(。例)(如)(每)(年)(巨)(灾)(保)(险)(资)(金)(结)(余)(部)(分)(是)(否)(能)(一)(定)(比)(例)(回)(拨)(到)(巨)(灾)(保)(障)(基)(金)(之)(中)(,巨)(灾)(准)(备)(金)(是)(否)(能)(计)(提)(到)(基)(金)(之)(中)(等)(。”当)(地)(保)(监)(局)(上)(述)(内)(部)(人)(士)(对)(本)(报)(记)(者)(透)(露)(。  民)(营)(经)(济)(发)(达)(、中)(小)(企)(业)(众)(多)(的)(宁)(波)(,此)(次)(台)(风)(中)(也)(受)(较)(大)(冲)(击)(。但)(“中)(小)(企)(财)(产)(险)(的)(巨)(灾)(保)(障)(机)(制)(是)(下)(一)(步)(的)(任)(务)(。”金)(融)(办)(人)(士)(称)(。  据)(当)(地)(保)(险)(机)(构)(人)(士)(介)(绍)(,投)(保)(率)(不)(足)(15%的)(中)(小)(企)(业)(和)(个)(体)(工)(商)(户)(抗)(风)(险)(能)(力)(弱)(亟)(需)(保)(障)(,但)(由)(于)(账)(本)(不)(健)(全)(、资)(产)(难)(统)(计)(,出)(险)(时)(道)(德)(风)(险)(过)(高)(导)(致)(机)(构)(难)(以)(承)(保)(。  “我)(们)(在)(尝)(试)(,是)(否)(能)(将)(一)(个)(地)(区)(的)(个)(体)(户)(,小)(微)(企)(业)(抱)(团)(作)(为)(一)(个)(整)(体)(投)(保)(,出)(现)(大)(灾)(时)(,按)(照)(统)(一)(一)(个)(粗)(线)(条)(标)(准)(,例)(如)(水)(深)(线)(等)(,做)(统)(一)(赔)(付)(。”当)(地)(政)(府)(人)(士)(称)(。  作)(者)(:刘)(艾)(琳)(
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