As an important means of risk protection and risk management, insurance plays a key role in the high-quality development of the industrial chain. On August 3, the Tianjin Supervision Bureau of the State Administration of Financial Supervision introduced the “Tianjin Model” of financial support to build a modern industrial system at a press conference: focusing on 12 industrial chains, in the industrial chain “Bank Leading Bank” On the basis of the “insurance service” mechanism, anchoring the problems of insufficient insurance service coverage and penetration rate, the insurance service industry chain plan was launched for the first time in the country, and the “insurance sponsoring department” service mechanism was implemented to promote the integration of insurance into the high-quality development of the financial service industry chain and help Construction of the real economy in Tianjin.
Introduce a special plan to break the gap in the system
For a long time, there have been institutional gaps in the high-quality development of the insurance service industry chain, lacking policy foundations and key starting points. The Tianjin Supervision Bureau of the State Administration of Financial Supervision and Administration took the lead in jointly promulgating the “Work Plan for Insurance Serving Key Industrial Chains in Tianjin” with the Municipal Bureau of Industry and Information Technology and the Financial Bureau, providing an important action guide for the insurance service industry chain.
The “Plan” clarifies the establishment of 12 industrial chain sponsors such as Xinchuang, integrated circuits, and Internet of Vehicles. The sponsors will coordinate and promote the entire process of industrial chain research, docking, products, and services. A good pattern that highlights professional advantages and complements each other.
The “Plan” makes a comprehensive deployment in terms of organizational construction, precise docking, innovative products, professional services, information statistics, assessment and evaluation, and long-term mechanisms, and strives to further improve corporate risk awareness, insurance coverage covers the entire process of production and operation, and corporate disaster prevention Significant improvement in loss reduction capabilities and a more solid foundation for high-quality industrial development.
Strengthen multi-party linkage to achieve precise docking
In order to provide sufficient support for the insurance service industry chain, the Tianjin Bureau of the State Financial Supervision and Administration Bureau pushes the industrial chain enterprise directory to insurance companies within its jurisdiction, organizes industry forums, coordinates key industrial chain banks to establish bank-insurance cooperation relationships, and builds government departments A healthy connection channel with the insurance industry.
It is understood that the industry has been promoted to initially realize “three-party docking”: First, insurance companies have conducted in-depth visits to research companies in various forms, obtained front-line information, completed full access to key companies in various industrial chains, and cooperated with new energy and intelligent manufacturing equipment Industry associations, Internet associations, etc. have reached cooperation; second, insurance sponsors establish two-way docking with bank sponsors, research and explore “credit + insurance” comprehensive financial solutions, and launch innovative products and services; third, promote the establishment of links between the industry and industry authorities, Reach a strategic cooperation intention and play the supporting role of insurance.
Deepen insurance innovation and carry out risk reduction
The Tianjin Supervision Bureau of the State Administration of Financial Supervision guides the insurance industry to match product guarantees for the entire process of enterprise technology research and development, achievement transformation, production operations, and marketing. Insurance types meet basic needs, and innovative products such as R&D expense insurance, network security insurance, software first-version insurance, and completion liability insurance meet individual needs. Special new insurance covers property, personnel, research and development, intellectual property and other risks.
At the same time, we will promote qualified insurance companies to try first, actively provide risk reduction services for enterprises in the industrial chain, continuously expand the content and scope of services, help enterprises embed risk reduction in management and production, and provide a one-stop service for upstream and downstream enterprises in the industrial chain For example, promote a company to comprehensively assess the risks of fire and explosion, smoke pollution, dangerous liquid, gas leakage, etc. in integrated circuit enterprises, and explore the establishment of an industrial risk of “leading by one company, co-insurance by multiple companies, and reinsurance on demand” management platform.
In addition, promote the establishment of scientific and technological innovation branches in the industry, establish innovation laboratories, and explore the use of artificial intelligence, big data, image recognition, blockchain and other technologies to achieve precise product pricing, remote survey and loss assessment, and intelligent claim settlement services.
At the same time, support the industry to take advantage of insurance funds, coordinate the head office to provide financial support for key industrial projects, and form a long-term deep integration of the insurance industry and key industries. Currently, China Life Iron Works (Tianjin) Equity Investment Fund has been coordinated to settle in Tianjin.
Strengthening Data Governance and Improving Supervision Foresight
Aiming at problems such as inconsistent data caliber and inaccurate statistical analysis of the insurance service industry chain, the Tianjin Supervision Bureau of the State Administration of Financial Supervision and Administration innovatively established the EAST professional model of the insurance service industry chain to form a multi-dimensional panoramic view, clarify the data caliber and statistical standards, and intuitively reflect The value, share, and growth rate of the insurance service industry chain have changed year-on-year to solve the problem of data lag and provide scientific support for studying and judging development trends and refining regulatory measures. On this basis, establish and improve the service evaluation system, strengthen information statistical analysis, publicize and promote excellent cases, and play the role of supervision and incentives.
It is understood that in the first half of 2023, Tianjin’s insurance industry has provided insurance protection and risk reduction services for 2,229 industrial chain companies. The amount of risk protection reached 356.528 billion yuan.