關于寧波建設國家保險創新綜合試驗區的實施意見

中共寧波市委辦公(gong)廳 寧波市人民政(zheng)府辦公(gong)廳印發

《關于(yu)寧(ning)波建(jian)設國家保險創新綜(zong)合試驗區的實施意見》的通知

各縣（市）區委、人民政府，市直(zhi)及省部(bu)屬駐甬(yong)各單(dan)位：

《關(guan)于(yu)寧波建設國家保險(xian)創(chuang)新綜合試驗區的實(shi)施(shi)意見(jian)》已經市(shi)委、市(shi)政府同(tong)意，現印發給(gei)你們，請結合實(shi)際，認真(zhen)貫(guan)徹執(zhi)行。

中共寧波市委辦公廳

寧波市(shi)人民政府辦公廳(ting)

2016年10月(yue)28日(ri)

關(guan)于寧波建(jian)設國(guo)家保險創新綜合試(shi)驗區的實施(shi)意見

為認(ren)真貫(guan)徹落實(shi)國務院(yuan)關于在浙江(jiang)省寧波市(shi)(shi)建(jian)設(she)(she)國家保(bao)險創(chuang)新綜(zong)(zong)合(he)(he)試(shi)驗(yan)區(qu)的部署要(yao)求，根據(ju)中國保(bao)監會、浙江(jiang)省人(ren)民政府《關于印發(fa)<浙江(jiang)省寧波市(shi)(shi)保(bao)險創(chuang)新綜(zong)(zong)合(he)(he)試(shi)驗(yan)區(qu)總(zong)體方案>的通知》（保(bao)監發(fa)〔2016〕50號），促進(jin)我市(shi)(shi)全面系統開展保(bao)險創(chuang)新綜(zong)(zong)合(he)(he)試(shi)點，經(jing)市(shi)(shi)委、市(shi)(shi)政府研究，現(xian)就加快推進(jin)國家保(bao)險創(chuang)新綜(zong)(zong)合(he)(he)試(shi)驗(yan)區(qu)（以下簡稱“試(shi)驗(yan)區(qu)”）建(jian)設(she)(she)提出如下實(shi)施意見：

一、總體要求

（一(yi)）指導(dao)思想。全(quan)(quan)面(mian)落實(shi)黨中(zhong)央、國務院對(dui)(dui)保(bao)(bao)(bao)險業(ye)改(gai)革創(chuang)新(xin)(xin)發(fa)展(zhan)(zhan)提出的新(xin)(xin)要求，在保(bao)(bao)(bao)監(jian)會(hui)和(he)浙(zhe)江省政(zheng)府(fu)指導(dao)下(xia)，以“創(chuang)新(xin)(xin)、協調、綠色、開放、共享(xiang)”五大發(fa)展(zhan)(zhan)理(li)念(nian)為(wei)引領(ling)，對(dui)(dui)接服務國家重(zhong)大發(fa)展(zhan)(zhan)戰略，更好地服務供給側結(jie)構性改(gai)革，堅持政(zheng)府(fu)推動(dong)與市(shi)場主導(dao)相結(jie)合(he)、重(zhong)點突破與整體(ti)推進相結(jie)合(he)、立足當(dang)前與謀(mou)劃長遠相結(jie)合(he)、鼓勵創(chuang)新(xin)(xin)與防范風(feng)險相結(jie)合(he)，積極(ji)踐行“全(quan)(quan)域保(bao)(bao)(bao)險”發(fa)展(zhan)(zhan)理(li)念(nian)，積極(ji)打造(zao)保(bao)(bao)(bao)險“全(quan)(quan)產業(ye)鏈”，建(jian)立促(cu)進保(bao)(bao)(bao)險業(ye)創(chuang)新(xin)(xin)發(fa)展(zhan)(zhan)的體(ti)制機(ji)制和(he)政(zheng)策體(ti)系，舉(ju)全(quan)(quan)市(shi)之力(li),把寧波建(jian)設成為(wei)全(quan)(quan)面(mian)運用保(bao)(bao)(bao)險工具(ju)促(cu)進經濟(ji)社(she)會(hui)發(fa)展(zhan)(zhan)和(he)全(quan)(quan)面(mian)小康(kang)社(she)會(hui)建(jian)設的模范城(cheng)(cheng)市(shi)，保(bao)(bao)(bao)險業(ye)發(fa)展(zhan)(zhan)和(he)對(dui)(dui)外(wai)開放環(huan)境最優的樣板城(cheng)(cheng)市(shi)，以及保(bao)(bao)(bao)險產業(ye)集聚輻射能力(li)較強的重(zhong)要中(zhong)心城(cheng)(cheng)市(shi)，為(wei)我(wo)國由保(bao)(bao)(bao)險大國向保(bao)(bao)(bao)險強國轉(zhuan)變提供創(chuang)新(xin)(xin)支持。

（二）主要目標。

一(yi)是使(shi)寧波成為保(bao)險促進社會治(zhi)理(li)現(xian)代化的創新高地。將保(bao)險應(ying)用于(yu)社會治(zhi)理(li)的全領(ling)域、經(jing)濟建設的全過程、民生保(bao)障的全方位，到(dao)(dao)2025年全市保(bao)險提(ti)(ti)供風險保(bao)障達到(dao)(dao)15萬億元(yuan)以(yi)上，全面(mian)提(ti)(ti)升保(bao)險對經(jing)濟社會發展的滲透度和覆(fu)蓋(gai)面(mian)，打造“保(bao)險模范之(zhi)城”。

二是使(shi)寧(ning)波成為撬動保(bao)險(xian)業供(gong)給(gei)側結構(gou)性改革的(de)有力支點。到2020年，全市保(bao)險(xian)總部(bu)機構(gou)達到15家以(yi)(yi)上（其中保(bao)險(xian)總公司(si)5家以(yi)(yi)上），打造一(yi)批保(bao)險(xian)全產業鏈機構(gou)，基(ji)本(ben)形成以(yi)(yi)創新型保(bao)險(xian)法人機構(gou)為主體(ti)，兼容保(bao)險(xian)特色和(he)專業性公司(si)以(yi)(yi)及(ji)功能型保(bao)險(xian)總部(bu)機構(gou)、保(bao)險(xian)中介服(fu)(fu)務機構(gou)齊全的(de)產業集群(qun)與(yu)創新生(sheng)態，并組建一(yi)批國內領(ling)先的(de)保(bao)險(xian)共(gong)性技術服(fu)(fu)務平臺，促進保(bao)險(xian)業轉型升級，提升供(gong)給(gei)能力和(he)供(gong)給(gei)質(zhi)量。

三(san)是使保(bao)(bao)險(xian)(xian)成為帶動寧波(bo)經濟轉型(xing)發展(zhan)的新引擎。以保(bao)(bao)險(xian)(xian)為核心，打通整合前后兩端服務環節(jie)與產(chan)業鏈，通過互聯網+保(bao)(bao)險(xian)(xian)實現跨界(jie)與融合，推動相關(guan)產(chan)業提質增效(xiao)，形成保(bao)(bao)險(xian)(xian)業與相關(guan)產(chan)業的集群發展(zhan)。到(dao)(dao)2025年，全市(shi)保(bao)(bao)險(xian)(xian)深度(du)（保(bao)(bao)費收入(ru)/地區生產(chan)總值(zhi)）達(da)到(dao)(dao)8%，保(bao)(bao)險(xian)(xian)密度(du)（保(bao)(bao)費收入(ru)/總人(ren)口(kou)）達(da)到(dao)(dao)1萬元/人(ren)，累計引進保(bao)(bao)險(xian)(xian)資金(jin)1萬億元，保(bao)(bao)費規模達(da)到(dao)(dao)1000億元，保(bao)(bao)險(xian)(xian)業占金(jin)融業增加(jia)值(zhi)比重達(da)到(dao)(dao)30%以上(shang)，對GDP的貢(gong)獻度(du)達(da)到(dao)(dao)2015年的三(san)倍以上(shang)。

四是使(shi)保(bao)險(xian)(xian)成為寧波全(quan)面小康社(she)會建設的重要支柱(zhu)。以保(bao)險(xian)(xian)創(chuang)新為手段，健(jian)全(quan)完善(shan)社(she)會化(hua)的健(jian)康、養(yang)老保(bao)障(zhang)，鼓(gu)勵(li)養(yang)老保(bao)險(xian)(xian)產品(pin)的開(kai)發(fa)，實現保(bao)健(jian)養(yang)老、旅游養(yang)老、文化(hua)養(yang)老，建立民(min)生保(bao)障(zhang)網，改善(shan)民(min)生福祉，提高人民(min)生活質量。

五是使(shi)寧波成為保(bao)(bao)(bao)險界創新和(he)國(guo)(guo)際交流合(he)作的聚焦(jiao)點(dian)。利用寧波的區域優勢，結(jie)合(he)國(guo)(guo)家(jia)的“一(yi)帶一(yi)路(lu)”建設，大力發展(zhan)航運保(bao)(bao)(bao)險、離岸保(bao)(bao)(bao)險業務，為海外投資提(ti)供風險保(bao)(bao)(bao)障。力爭國(guo)(guo)內外保(bao)(bao)(bao)險機(ji)構、保(bao)(bao)(bao)險資本、保(bao)(bao)(bao)險人才集聚，保(bao)(bao)(bao)險技術創新、保(bao)(bao)(bao)險交易量(liang)大幅提(ti)升，保(bao)(bao)(bao)險創新產品和(he)服務能力向全(quan)省、全(quan)國(guo)(guo)和(he)全(quan)球(qiu)輻射，使(shi)寧波保(bao)(bao)(bao)險創新吸(xi)引世界眼光，提(ti)升品位和(he)國(guo)(guo)際影響(xiang)力。

通過努力(li)，使寧波(bo)保險(xian)業發(fa)展(zhan)水平躋身全(quan)國(guo)大城市第一方隊行列(lie)，實現保險(xian)資(zi)本(ben)全(quan)球化、保險(xian)技術(shu)高端(duan)化、保險(xian)資(zi)金運用常態化、保險(xian)環境生(sheng)態化，并為全(quan)國(guo)保險(xian)業服(fu)務經濟社會發(fa)展(zhan)提供(gong)可(ke)(ke)復(fu)制、可(ke)(ke)推廣(guang)的創(chuang)新(xin)經驗。

二(er)、對(dui)接服務(wu)國家和(he)地(di)方重大(da)發展戰略

（三）對(dui)接(jie)國(guo)家“一(yi)帶一(yi)路”發(fa)展(zhan)(zhan)戰略(lve)。大力發(fa)展(zhan)(zhan)對(dui)外(wai)(wai)工程保(bao)(bao)(bao)險(xian)、海外(wai)(wai)投(tou)資保(bao)(bao)(bao)險(xian)、境(jing)外(wai)(wai)人身意外(wai)(wai)傷害保(bao)(bao)(bao)險(xian)等(deng)業務(wu)(wu)，鼓勵保(bao)(bao)(bao)險(xian)（中介(jie)）公司(si)為企業“走出去”提供(gong)全方(fang)位保(bao)(bao)(bao)險(xian)服務(wu)(wu)。以海外(wai)(wai)投(tou)資保(bao)(bao)(bao)險(xian)和面(mian)向“一(yi)帶一(yi)路”國(guo)家的跨(kua)境(jing)、離岸保(bao)(bao)(bao)險(xian)業務(wu)(wu)為重點，探索(suo)在寧波(bo)建立保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)稅區，發(fa)展(zhan)(zhan)跨(kua)境(jing)、離岸保(bao)(bao)(bao)險(xian)業務(wu)(wu)和再保(bao)(bao)(bao)險(xian)業務(wu)(wu)。探索(suo)建立“一(yi)帶一(yi)路”國(guo)家巨災(zai)保(bao)(bao)(bao)險(xian)基金。

（四）助力(li)“中國制(zhi)(zhi)(zhi)造(zao)2025”。以服務(wu)高(gao)新(xin)(xin)技(ji)(ji)術(shu)、高(gao)端裝(zhuang)備(bei)制(zhi)(zhi)(zhi)造(zao)、高(gao)附加值(zhi)產品(pin)(pin)(pin)和(he)新(xin)(xin)能源(yuan)、新(xin)(xin)材(cai)料“三高(gao)兩新(xin)(xin)”企業為重點(dian)，加快發展(zhan)產品(pin)(pin)(pin)研(yan)發責任險(xian)(xian)(xian)(xian)、關鍵研(yan)發設(she)備(bei)保(bao)險(xian)(xian)(xian)(xian)、研(yan)發人(ren)員(yuan)人(ren)身保(bao)險(xian)(xian)(xian)(xian)、營(ying)(ying)業中斷損失險(xian)(xian)(xian)(xian)、專利保(bao)險(xian)(xian)(xian)(xian)等(deng)科(ke)技(ji)(ji)保(bao)險(xian)(xian)(xian)(xian)產品(pin)(pin)(pin)，探索(suo)建立(li)(li)政府、科(ke)研(yan)機(ji)(ji)構(gou)(gou)、企業、保(bao)險(xian)(xian)(xian)(xian)公司(si)(si)共同參與(yu)的(de)科(ke)技(ji)(ji)創新(xin)(xin)風險(xian)(xian)(xian)(xian)管理(li)機(ji)(ji)制(zhi)(zhi)(zhi)，支(zhi)持“智(zhi)能制(zhi)(zhi)(zhi)造(zao)”和(he)“機(ji)(ji)器(qi)換人(ren)”。建立(li)(li)符合寧波(bo)實際的(de)首(shou)臺（套）重大(da)技(ji)(ji)術(shu)裝(zhuang)備(bei)保(bao)險(xian)(xian)(xian)(xian)指導目錄和(he)補償(chang)機(ji)(ji)制(zhi)(zhi)(zhi)，并研(yan)究將新(xin)(xin)材(cai)料、關鍵零部件納入首(shou)批次應用保(bao)險(xian)(xian)(xian)(xian)保(bao)費補償(chang)機(ji)(ji)制(zhi)(zhi)(zhi)實施范圍(wei)。大(da)力(li)推廣“政銀(yin)保(bao)”合作(zuo)的(de)科(ke)技(ji)(ji)信貸風險(xian)(xian)(xian)(xian)共擔機(ji)(ji)制(zhi)(zhi)(zhi)。鼓勵保(bao)險(xian)(xian)(xian)(xian)公司(si)(si)與(yu)銀(yin)行(xing)合作(zuo)開展(zhan)“投貸聯(lian)動(dong)”試點(dian)。在重點(dian)行(xing)業和(he)領域全面推廣產品(pin)(pin)(pin)責任保(bao)險(xian)(xian)(xian)(xian)和(he)產品(pin)(pin)(pin)質(zhi)量(liang)保(bao)證保(bao)險(xian)(xian)(xian)(xian)。鼓勵保(bao)險(xian)(xian)(xian)(xian)公司(si)(si)設(she)立(li)(li)科(ke)技(ji)(ji)保(bao)險(xian)(xian)(xian)(xian)專營(ying)(ying)機(ji)(ji)構(gou)(gou)。

（五）支持寧(ning)波“一圈三中(zhong)心(xin)”建(jian)(jian)設(she)。大(da)(da)力發展(zhan)港口財產(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、安全(quan)生產(chan)責任(ren)險(xian)(xian)(xian)(xian)、公(gong)(gong)眾責任(ren)險(xian)(xian)(xian)(xian)等(deng)業(ye)(ye)(ye)務，鼓勵(li)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)參與臨港安全(quan)管理。提升(sheng)航(hang)(hang)(hang)運(yun)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)品研(yan)發能力，擴(kuo)大(da)(da)保(bao)(bao)(bao)(bao)(bao)(bao)障范(fan)圍(wei)，逐步實現對港口、船舶(bo)(bo)、航(hang)(hang)(hang)運(yun)責任(ren)、航(hang)(hang)(hang)運(yun)人(ren)員等(deng)領域的(de)(de)全(quan)覆(fu)蓋。通過政策傾斜、優化服(fu)務等(deng)方式，做大(da)(da)做強(qiang)專業(ye)(ye)(ye)航(hang)(hang)(hang)運(yun)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)機構，大(da)(da)力發展(zhan)航(hang)(hang)(hang)運(yun)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)中(zhong)介市場，力爭使寧(ning)波成為(wei)(wei)全(quan)國(guo)航(hang)(hang)(hang)運(yun)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)新的(de)(de)要素(su)集聚(ju)區和定(ding)價中(zhong)心(xin)。建(jian)(jian)立(li)(li)“政銀保(bao)(bao)(bao)(bao)(bao)(bao)”一條龍的(de)(de)航(hang)(hang)(hang)運(yun)金融服(fu)務機制(zhi)，聯合海事(shi)、海關(guan)、漁檢、港航(hang)(hang)(hang)、銀行、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、地方協會等(deng)相關(guan)主(zhu)管機關(guan)及企(qi)(qi)(qi)事(shi)業(ye)(ye)(ye)單位，為(wei)(wei)國(guo)內(nei)外到甬船舶(bo)(bo)及進(jin)出口貿易提供更多便(bian)利及服(fu)務。探(tan)索建(jian)(jian)立(li)(li)海運(yun)費應(ying)收賬款保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)制(zhi)度，降低貨(huo)代企(qi)(qi)(qi)業(ye)(ye)(ye)收款風險(xian)(xian)(xian)(xian)，提升(sheng)異(yi)地攬單的(de)(de)能力。鼓勵(li)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)為(wei)(wei)跨(kua)境(jing)電子(zi)(zi)商務企(qi)(qi)(qi)業(ye)(ye)(ye)提供貨(huo)款支付、產(chan)品質量(liang)、貸款融資(zi)、消費信用等(deng)一攬子(zi)(zi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)務。支持保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)與港航(hang)(hang)(hang)物流企(qi)(qi)(qi)業(ye)(ye)(ye)實現技術對接(jie)和數據共享(xiang)，形(xing)成標準化、科學化的(de)(de)風險(xian)(xian)(xian)(xian)評(ping)估(gu)機制(zhi)，進(jin)一步完善寧(ning)波“海上絲綢(chou)之路指數”。

三、促進經濟提質(zhi)增效升級

（六）創(chuang)新(xin)推動保(bao)(bao)險(xian)(xian)資(zi)金(jin)運(yun)用(yong)(yong)。加強與各保(bao)(bao)險(xian)(xian)總部機(ji)構及中保(bao)(bao)投資(zi)公司戰略合作，吸引保(bao)(bao)險(xian)(xian)資(zi)金(jin)加大(da)對我市(shi)并購項目(mu)、城(cheng)市(shi)基(ji)礎建(jian)設(she)(she)(she)及清潔能源(yuan)等戰略性新(xin)興產業(ye)的(de)投資(zi)。建(jian)立保(bao)(bao)險(xian)(xian)資(zi)金(jin)投資(zi)項目(mu)資(zi)源(yuan)庫，制(zhi)訂政府與保(bao)(bao)險(xian)(xian)機(ji)構之間的(de)資(zi)金(jin)運(yun)用(yong)(yong)對接機(ji)制(zhi)，改革完善(shan)增信模(mo)式(shi)，鼓(gu)勵保(bao)(bao)險(xian)(xian)公司以(yi)(yi)股權(quan)投資(zi)、債權(quan)投資(zi)、大(da)額協議存款(kuan)以(yi)(yi)及設(she)(she)(she)立保(bao)(bao)險(xian)(xian)資(zi)產管理公司等方式(shi)參與寧波經濟社會發(fa)展,全市(shi)的(de)重大(da)基(ji)礎設(she)(she)(she)施(shi)、保(bao)(bao)障房(fang)、產業(ye)投資(zi)基(ji)金(jin)、創(chuang)投基(ji)金(jin)、PPP項目(mu)等優先向保(bao)(bao)險(xian)(xian)資(zi)金(jin)傾斜。

（七）加快發展小微(wei)企(qi)(qi)業(ye)(ye)保(bao)(bao)險(xian)(xian)。完(wan)善小額貸款保(bao)(bao)證保(bao)(bao)險(xian)(xian)運(yun)行機制，在堅持風險(xian)(xian)共擔和合理定價(jia)的前提(ti)下，鼓勵(li)銀行、保(bao)(bao)險(xian)(xian)、政(zheng)府、基(ji)金(jin)等(deng)主體(ti)開(kai)展多元化(hua)合作以及(ji)采取靈(ling)活多樣的運(yun)行模式，擴大業(ye)(ye)務規模和覆蓋(gai)面。支(zhi)持保(bao)(bao)險(xian)(xian)公(gong)司(si)投資(zi)設立保(bao)(bao)證保(bao)(bao)險(xian)(xian)專(zhuan)業(ye)(ye)公(gong)司(si)、小額貸款公(gong)司(si)，采取“保(bao)(bao)險(xian)(xian)+小額貸款”模式為小微(wei)企(qi)(qi)業(ye)(ye)提(ti)供綜合金(jin)融服務。建立政(zheng)策(ce)支(zhi)持的商業(ye)(ye)保(bao)(bao)險(xian)(xian)運(yun)營機制，鼓勵(li)開(kai)發小微(wei)企(qi)(qi)業(ye)(ye)專(zhuan)屬保(bao)(bao)險(xian)(xian)產(chan)品，擴大政(zheng)策(ce)性小微(wei)企(qi)(qi)業(ye)(ye)財(cai)產(chan)保(bao)(bao)險(xian)(xian)試點范圍(wei)。支(zhi)持保(bao)(bao)險(xian)(xian)資(zi)產(chan)管理公(gong)司(si)發起設立夾層(ceng)基(ji)金(jin)、并(bing)購基(ji)金(jin)等(deng)，豐富(fu)小微(wei)企(qi)(qi)業(ye)(ye)融資(zi)渠(qu)道(dao)。

（八）支持(chi)(chi)推動(dong)外(wai)(wai)(wai)向型(xing)經(jing)濟(ji)發(fa)(fa)(fa)展(zhan)。充分發(fa)(fa)(fa)揮出口(kou)信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)收匯保(bao)(bao)(bao)(bao)障和(he)(he)(he)保(bao)(bao)(bao)(bao)單融資功能(neng)(neng)，為(wei)企業(ye)(ye)開展(zhan)對(dui)外(wai)(wai)(wai)貿(mao)易(yi)和(he)(he)(he)“走出去”提供(gong)風險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障和(he)(he)(he)融資便利服務，對(dui)于(yu)大(da)(da)(da)型(xing)成套設備出口(kou)融資努力(li)做到應保(bao)(bao)(bao)(bao)盡保(bao)(bao)(bao)(bao)。大(da)(da)(da)力(li)發(fa)(fa)(fa)展(zhan)海外(wai)(wai)(wai)投資保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)，積極推動(dong)建立海外(wai)(wai)(wai)投資保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)政府統保(bao)(bao)(bao)(bao)平臺，不斷擴大(da)(da)(da)政策性(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)規模和(he)(he)(he)覆蓋(gai)面(mian)。支持(chi)(chi)政策性(xing)出口(kou)信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)機構爭取政策資源，降低(di)投保(bao)(bao)(bao)(bao)門(men)檻(jian)，加大(da)(da)(da)對(dui)自主品(pin)牌(pai)、自主知(zhi)識產(chan)權(quan)、戰(zhan)略性(xing)新(xin)(xin)興產(chan)業(ye)(ye)、未來產(chan)業(ye)(ye)出口(kou)以及外(wai)(wai)(wai)貿(mao)綜(zong)合服務平臺、跨境電商等外(wai)(wai)(wai)貿(mao)新(xin)(xin)業(ye)(ye)態的(de)支持(chi)(chi)力(li)度，全力(li)保(bao)(bao)(bao)(bao)障出口(kou)業(ye)(ye)務大(da)(da)(da)統保(bao)(bao)(bao)(bao)企業(ye)(ye)的(de)參保(bao)(bao)(bao)(bao)需求。完善小微(wei)企業(ye)(ye)承(cheng)保(bao)(bao)(bao)(bao)模式，提升(sheng)小微(wei)企業(ye)(ye)的(de)經(jing)營能(neng)(neng)力(li)和(he)(he)(he)成長(chang)潛力(li)，加快培(pei)育我市外(wai)(wai)(wai)貿(mao)競(jing)爭新(xin)(xin)優勢。推動(dong)發(fa)(fa)(fa)展(zhan)進(jin)口(kou)信(xin)用險(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)國內(nei)貿(mao)易(yi)信(xin)用險(xian)(xian)(xian)(xian)(xian)，為(wei)企業(ye)(ye)開拓市場提供(gong)風險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障。

（九）為企業兼并重組及上市提(ti)供保(bao)險(xian)(xian)保(bao)障(zhang)。鼓勵保(bao)險(xian)(xian)公司(si)利用綜合金(jin)融優勢，開展高管董事責(ze)任險(xian)(xian)、資產(chan)并購保(bao)險(xian)(xian)、保(bao)薦機構(gou)先行賠付責(ze)任保(bao)險(xian)(xian)等(deng)創(chuang)新產(chan)品，為本土企業做大做強提(ti)供整體(ti)風險(xian)(xian)解決方案(an)，為企業上市、并購保(bao)駕護航。

四、構(gou)筑保險民生保障網

（十）保(bao)障人民“老(lao)(lao)(lao)有所養(yang)”。大力發展(zhan)個人儲蓄型養(yang)老(lao)(lao)(lao)保(bao)險(xian)(xian)(xian)(xian)、各類年(nian)金(jin)保(bao)險(xian)(xian)(xian)(xian)和老(lao)(lao)(lao)年(nian)人長(chang)期(qi)護理(li)保(bao)險(xian)(xian)(xian)(xian)，探索開展(zhan)住(zhu)房(fang)反向抵押(ya)保(bao)險(xian)(xian)(xian)(xian)，完善多(duo)層次養(yang)老(lao)(lao)(lao)保(bao)險(xian)(xian)(xian)(xian)體系。積極申報個人稅收遞延型商(shang)業養(yang)老(lao)(lao)(lao)保(bao)險(xian)(xian)(xian)(xian)首批試點城(cheng)市。進一步(bu)提高獨生子女家庭綜(zong)合保(bao)險(xian)(xian)(xian)(xian)、失獨家庭養(yang)老(lao)(lao)(lao)保(bao)險(xian)(xian)(xian)(xian)等公(gong)(gong)益性保(bao)險(xian)(xian)(xian)(xian)覆蓋群體。持(chi)(chi)續(xu)推動養(yang)老(lao)(lao)(lao)機(ji)構(gou)綜(zong)合保(bao)險(xian)(xian)(xian)(xian)擴面提質。支(zhi)持(chi)(chi)保(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司在寧波投(tou)資養(yang)老(lao)(lao)(lao)服(fu)務產業，設立養(yang)老(lao)(lao)(lao)社區。加強(qiang)醫養(yang)結合，推動醫療衛生與(yu)養(yang)老(lao)(lao)(lao)服(fu)務的(de)融合發展(zhan)。對(dui)(dui)保(bao)險(xian)(xian)(xian)(xian)機(ji)構(gou)投(tou)資興辦養(yang)老(lao)(lao)(lao)產業和健康服(fu)務業機(ji)構(gou)，優先保(bao)障用地(di)供應(ying)并(bing)給予(yu)相(xiang)對(dui)(dui)優惠的(de)用地(di)價格(ge)。

（十(shi)一）提(ti)供多樣化的(de)健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服務。鼓(gu)勵(li)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司開發各(ge)(ge)類醫(yi)療(liao)、疾病保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和失能(neng)收入損失險(xian)(xian)(xian)(xian)等(deng)各(ge)(ge)類商(shang)業健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產品(pin)(pin)，重點推進商(shang)業健(jian)(jian)康(kang)險(xian)(xian)(xian)(xian)稅(shui)收優(you)惠(hui)和個人(ren)醫(yi)保(bao)(bao)(bao)賬戶(hu)歷年結(jie)(jie)余購(gou)買商(shang)業健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)試點工作(zuo)。建立(li)涵蓋大病保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、稅(shui)優(you)健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、醫(yi)保(bao)(bao)(bao)賬戶(hu)結(jie)(jie)余購(gou)買專(zhuan)屬(shu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)信息(xi)平(ping)臺，實(shi)現人(ren)社、衛計、醫(yi)院(yuan)信息(xi)系統與(yu)平(ping)臺的(de)對(dui)接和信息(xi)數(shu)據共享。推進大病保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)市(shi)級統籌，推動實(shi)施“一站式”結(jie)(jie)算和異(yi)地就醫(yi)及(ji)(ji)時結(jie)(jie)算，充分發揮商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)機構(gou)第(di)三方的(de)醫(yi)療(liao)費用管(guan)控作(zuo)用。支持(chi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司以股權、戰(zhan)略合(he)作(zuo)等(deng)方式設立(li)健(jian)(jian)康(kang)管(guan)理機構(gou)、醫(yi)療(liao)機構(gou)、護(hu)理機構(gou)以及(ji)(ji)參與(yu)公立(li)醫(yi)院(yuan)改制，與(yu)我市(shi)“云醫(yi)院(yuan)”醫(yi)療(liao)平(ping)臺開展合(he)作(zuo)，提(ti)供基于健(jian)(jian)康(kang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產品(pin)(pin)的(de)疾病預防(fang)、健(jian)(jian)康(kang)維護(hu)、慢性病管(guan)理、智能(neng)診療(liao)等(deng)服務，實(shi)現保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)與(yu)健(jian)(jian)康(kang)養老、休閑服務等(deng)產業的(de)深度融合(he)。

（十(shi)二）開展社(she)(she)保(bao)(bao)(bao)“委托經辦(ban)”試點(dian)。總(zong)結商業(ye)(ye)保(bao)(bao)(bao)險(xian)機構(gou)在部分地區經辦(ban)社(she)(she)會(hui)保(bao)(bao)(bao)險(xian)成功經驗，鼓勵(li)以政府(fu)購買服務(wu)(wu)方(fang)式，委托具有資質的(de)商業(ye)(ye)保(bao)(bao)(bao)險(xian)機構(gou)經批準承辦(ban)經辦(ban)部分社(she)(she)會(hui)保(bao)(bao)(bao)險(xian)業(ye)(ye)務(wu)(wu)，提高效率(lv)，降低成本(ben)，加快統籌。落實基本(ben)醫療(liao)保(bao)(bao)(bao)險(xian)、基本(ben)養(yang)老保(bao)(bao)(bao)險(xian)和(he)(he)(he)民政事業(ye)(ye)交叉環節的(de)協調工作(zuo)，發揮(hui)商業(ye)(ye)保(bao)(bao)(bao)險(xian)公司規模和(he)(he)(he)專業(ye)(ye)優勢(shi)，進一步完善社(she)(she)會(hui)保(bao)(bao)(bao)障體(ti)系(xi)和(he)(he)(he)社(she)(she)會(hui)治理結構(gou)。

（十三）加(jia)強社會特殊群(qun)體(ti)的(de)保(bao)險保(bao)障(zhang)。完善意外(wai)傷害保(bao)險體(ti)系，鼓勵保(bao)險機(ji)構采(cai)用“保(bao)險+服(fu)務”模(mo)式(shi)，創新服(fu)務手(shou)段(duan)，解決(jue)特殊人群(qun)的(de)痛點(dian)、難(nan)點(dian)問題。鼓勵政府和社會慈善機(ji)構利用保(bao)險手(shou)段(duan)實現弱勢(shi)群(qun)體(ti)救助(zhu)(zhu)的(de)普惠性和精(jing)準性，統(tong)籌推進(jin)扶老、助(zhu)(zhu)殘(can)、救孤、濟困等福利事業，穩(wen)步擴大服(fu)務覆蓋(gai)范圍，推動(dong)社會福利由補缺型向適度普惠型轉(zhuan)變。

（十四(si)）完(wan)善(shan)巨(ju)災(zai)(zai)(zai)保(bao)(bao)險(xian)(xian)制(zhi)(zhi)度體系。完(wan)善(shan)公共巨(ju)災(zai)(zai)(zai)保(bao)(bao)險(xian)(xian)工作協調機制(zhi)(zhi)，建立便捷、高效、規范的(de)(de)(de)查勘定損(sun)理賠流程。編制(zhi)(zhi)寧(ning)波市巨(ju)災(zai)(zai)(zai)風險(xian)(xian)地圖，建立氣象部門與保(bao)(bao)險(xian)(xian)公司合作機制(zhi)(zhi)，提高巨(ju)災(zai)(zai)(zai)風險(xian)(xian)的(de)(de)(de)預防、監測和(he)預警服務水平。探索開(kai)展公路(lu)巨(ju)災(zai)(zai)(zai)保(bao)(bao)險(xian)(xian)試(shi)點。加大商業性巨(ju)災(zai)(zai)(zai)保(bao)(bao)險(xian)(xian)和(he)巨(ju)災(zai)(zai)(zai)再(zai)保(bao)(bao)險(xian)(xian)發展力度，優化巨(ju)災(zai)(zai)(zai)基金和(he)巨(ju)災(zai)(zai)(zai)風險(xian)(xian)專(zhuan)項準備金制(zhi)(zhi)度，完(wan)善(shan)政(zheng)策(ce)支持下的(de)(de)(de)多(duo)層次巨(ju)災(zai)(zai)(zai)風險(xian)(xian)分(fen)散機制(zhi)(zhi)。探索發行巨(ju)災(zai)(zai)(zai)債券，實現(xian)保(bao)(bao)險(xian)(xian)市場與資本(ben)市場的(de)(de)(de)對接。

（十五）完善“三(san)農”保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)體系。不斷增加農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)險(xian)(xian)(xian)(xian)種(zhong)(zhong)，提高(gao)農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)水平。努力實(shi)現全市主要種(zhong)(zhong)植業(ye)(ye)(ye)(ye)(ye)(ye)、養殖(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)農產(chan)(chan)(chan)品和農機(ji)具、海洋捕撈(lao)、休閑(xian)漁業(ye)(ye)(ye)(ye)(ye)(ye)、農業(ye)(ye)(ye)(ye)(ye)(ye)漁業(ye)(ye)(ye)(ye)(ye)(ye)設施設備、農業(ye)(ye)(ye)(ye)(ye)(ye)漁業(ye)(ye)(ye)(ye)(ye)(ye)從業(ye)(ye)(ye)(ye)(ye)(ye)人員(yuan)短期意外(wai)人身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)(deng)涉農保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)可保(bao)(bao)(bao)(bao)(bao)產(chan)(chan)(chan)品、可保(bao)(bao)(bao)(bao)(bao)區(qu)域全覆蓋，保(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)水平與(yu)當地經濟社(she)會發(fa)展相適應。探索試點(dian)農產(chan)(chan)(chan)品價格保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、氣(qi)象指(zhi)數保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、家庭農場(chang)綜合(he)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)(deng)新險(xian)(xian)(xian)(xian)種(zhong)(zhong)，豐富農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)(chan)品體系。優化農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)經營模(mo)式，建(jian)(jian)立(li)有序競爭的市場(chang)運行(xing)(xing)機(ji)制(zhi)(zhi)(zhi)。研究(jiu)制(zhi)(zhi)(zhi)定更(geng)為合(he)理(li)的農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)額(e)、保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費率、承保(bao)(bao)(bao)(bao)(bao)理(li)賠辦法(fa)、財(cai)政(zheng)扶持(chi)政(zheng)策。探索將農業(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)與(yu)農業(ye)(ye)(ye)(ye)(ye)(ye)補(bu)貼、病(bing)死動物無害化處理(li)、農業(ye)(ye)(ye)(ye)(ye)(ye)信貸(dai)、農業(ye)(ye)(ye)(ye)(ye)(ye)抵押貸(dai)款等(deng)(deng)聯動實(shi)施機(ji)制(zhi)(zhi)(zhi)。積極發(fa)展農村小額(e)信貸(dai)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、小額(e)人身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等(deng)(deng)普惠保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)，加大對低收(shou)入人群和其他弱(ruo)勢群體的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)力度。鼓勵保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（中介(jie)）機(ji)構根據市場(chang)需(xu)求，持(chi)續加大村鎮保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)網(wang)點(dian)建(jian)(jian)設，并(bing)與(yu)基層(ceng)農業(ye)(ye)(ye)(ye)(ye)(ye)推廣機(ji)構、銀行(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)金融機(ji)構、各類農業(ye)(ye)(ye)(ye)(ye)(ye)服(fu)(fu)務(wu)(wu)組織和農村合(he)作(zuo)社(she)加強合(he)作(zuo)，實(shi)現資源整合(he)。深化農村保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)互(hu)(hu)助社(she)試點(dian)，穩步推進縣級保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)互(hu)(hu)助社(she)及行(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)性保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)互(hu)(hu)助社(she)的組建(jian)(jian)工作(zuo)，探索成立(li)相互(hu)(hu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司，建(jian)(jian)立(li)多層(ceng)次農村互(hu)(hu)助合(he)作(zuo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)體系。

五、維(wei)護社會穩定和公(gong)共(gong)安全

（十六）提(ti)升社會(hui)公(gong)(gong)(gong)眾的(de)(de)安(an)(an)全(quan)感。運(yun)用“政府引導、市場運(yun)作、制(zhi)度保(bao)(bao)(bao)障”的(de)(de)模式，在公(gong)(gong)(gong)眾聚集場所(suo)、高(gao)危(wei)行業、食品安(an)(an)全(quan)、旅游景區等與公(gong)(gong)(gong)眾利益關系密切(qie)的(de)(de)領域(yu)推廣(guang)多種形(xing)式的(de)(de)公(gong)(gong)(gong)眾責(ze)(ze)任(ren)險(xian)(xian)(xian)(xian)，并逐步在全(quan)市范圍(wei)推廣(guang)復制(zhi)。積極推廣(guang)環境污染(ran)責(ze)(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等“綠色保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)”制(zhi)度，建立(li)公(gong)(gong)(gong)平、公(gong)(gong)(gong)正、權威(wei)的(de)(de)第三(san)方(fang)環境風(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)(ping)估機制(zhi)。探索在部分民生重要領域(yu)和安(an)(an)全(quan)高(gao)危(wei)行業開展強制(zhi)責(ze)(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)試點，引導鼓(gu)勵相關企業自愿選擇、自主投保(bao)(bao)(bao)商(shang)業性安(an)(an)全(quan)責(ze)(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。不(bu)斷(duan)完善“保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)+服務”的(de)(de)責(ze)(ze)任(ren)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)運(yun)營(ying)模式，建立(li)公(gong)(gong)(gong)平、公(gong)(gong)(gong)正、權威(wei)的(de)(de)第三(san)方(fang)風(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)(ping)估機制(zhi)，充(chong)分發揮(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)風(feng)(feng)險(xian)(xian)(xian)(xian)管理(li)(li)功能。探索發展社會(hui)治安(an)(an)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，構建基層治安(an)(an)防范和財產損失補償(chang)相結(jie)合的(de)(de)綜合性社會(hui)管理(li)(li)新機制(zhi)。推動發展社區綜合保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，實現社區公(gong)(gong)(gong)共(gong)安(an)(an)全(quan)事件(jian)的(de)(de)優(you)化處(chu)理(li)(li)。

（十(shi)七）積極化(hua)解民事責(ze)(ze)(ze)任(ren)(ren)糾(jiu)紛(fen)(fen)。健全(quan)(quan)以醫療(liao)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)為主(zhu)，醫療(liao)、藥品、醫療(liao)器械等(deng)意外保(bao)(bao)險(xian)有效補充的醫療(liao)風(feng)險(xian)分擔機制，開展(zhan)醫務人員執(zhi)業(ye)(ye)風(feng)險(xian)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)試點，鼓(gu)勵結合醫療(liao)行業(ye)(ye)特(te)點創新責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)產(chan)品，有效處理(li)(li)各類醫患矛盾和糾(jiu)紛(fen)(fen)。加(jia)快(kuai)發展(zhan)校(xiao)園綜(zong)合保(bao)(bao)險(xian)、職業(ye)(ye)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)、旅行社責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)、單用途預付(fu)卡保(bao)(bao)證保(bao)(bao)險(xian)等(deng)業(ye)(ye)務，用多(duo)樣化(hua)的保(bao)(bao)險(xian)產(chan)品和服務化(hua)解民事責(ze)(ze)(ze)任(ren)(ren)糾(jiu)紛(fen)(fen)。推廣訴(su)訟財產(chan)保(bao)(bao)全(quan)(quan)責(ze)(ze)(ze)任(ren)(ren)保(bao)(bao)險(xian)，化(hua)解司法判(pan)決(jue)執(zhi)行難(nan)問題。積極探(tan)索(suo)物業(ye)(ye)服務企業(ye)(ye)應收賬款保(bao)(bao)險(xian)以及(ji)物業(ye)(ye)管理(li)(li)區域第三方綜(zong)合責(ze)(ze)(ze)任(ren)(ren)險(xian)。

（十八）在(zai)建(jian)設(she)領(ling)域推(tui)行全生命(ming)周期保(bao)險(xian)。健(jian)全完善和不斷創新“保(bao)險(xian)+服務”新模式(shi)，進(jin)一(yi)步(bu)擴大城鎮住房(fang)綜(zong)合(he)保(bao)險(xian)覆蓋面。積極推(tui)廣建(jian)設(she)工(gong)程(cheng)綜(zong)合(he)保(bao)險(xian)，為工(gong)程(cheng)招標，合(he)同履約(yue)等(deng)提(ti)供一(yi)攬子服務。試點(dian)商品(pin)住房(fang)和保(bao)障性(xing)住房(fang)工(gong)程(cheng)在(zai)土地出讓中，將投保(bao)建(jian)設(she)工(gong)程(cheng)質量保(bao)證保(bao)險(xian)列為土地出讓條件(jian)。探索設(she)立(li)建(jian)筑幕(mu)墻責任險(xian)和綜(zong)合(he)險(xian)。試點(dian)建(jian)立(li)住宅小(xiao)區電梯(ti)(ti)更新保(bao)險(xian)，推(tui)動達到(dao)或超過(guo)使(shi)用(yong)年限電梯(ti)(ti)及(ji)時(shi)更新。到(dao)2017年底之前，在(zai)全市(shi)推(tui)行電梯(ti)(ti)安全綜(zong)合(he)保(bao)險(xian)制度，提(ti)高信(xin)息科(ke)技管(guan)理水平，實現電梯(ti)(ti)安全管(guan)理從依靠行政監督向社(she)會綜(zong)合(he)治理轉變。

六、建設(she)高(gao)水平保險創(chuang)新產業園

（十九）科學謀(mou)劃保(bao)(bao)險(xian)產(chan)業(ye)園(yuan)(yuan)定位及布局。將保(bao)(bao)險(xian)產(chan)業(ye)園(yuan)(yuan)作為建(jian)設試(shi)驗區(qu)的(de)關鍵環節和(he)重(zhong)要抓手，按照開放(fang)式(shi)、內涵式(shi)、集(ji)(ji)約(yue)式(shi)建(jian)設理(li)念，構建(jian)“一核多點”的(de)空(kong)(kong)間布局，注重(zhong)空(kong)(kong)間結構的(de)開放(fang)性、協調性、互融性。在保(bao)(bao)險(xian)產(chan)業(ye)園(yuan)(yuan)集(ji)(ji)聚開展保(bao)(bao)險(xian)全(quan)產(chan)業(ye)鏈(lian)建(jian)設，把產(chan)業(ye)園(yuan)(yuan)打造成(cheng)為全(quan)國知(zhi)名的(de)保(bao)(bao)險(xian)產(chan)業(ye)集(ji)(ji)約(yue)區(qu)、保(bao)(bao)險(xian)創(chuang)新(xin)集(ji)(ji)成(cheng)區(qu)、保(bao)(bao)險(xian)文化集(ji)(ji)合區(qu)和(he)保(bao)(bao)險(xian)人才(cai)集(ji)(ji)聚區(qu)。

（二十）加快(kuai)建設(she)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)業基(ji)(ji)地和(he)創(chuang)新(xin)(xin)中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)。在保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)業園(yuan)重(zhong)(zhong)點設(she)立(li)新(xin)(xin)型(xing)(xing)健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、養老保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、長期護(hu)理保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、相互制保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、信(xin)用保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等特(te)色型(xing)(xing)、功(gong)能(neng)型(xing)(xing)、創(chuang)新(xin)(xin)型(xing)(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法人機構，大力(li)引進培育(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)資產(chan)(chan)管理公(gong)司、銷售(shou)公(gong)司、后援中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)、大數據(ju)服務(wu)中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)等功(gong)能(neng)性總(zong)部(bu)機構，發(fa)展保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司后臺(tai)服務(wu)基(ji)(ji)地、后援中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)、科技(ji)中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)及呼叫中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)，力(li)爭到2020年(nian)使寧波邁入(ru)國(guo)內保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)總(zong)部(bu)機構數量第一(yi)梯隊城市行列。加快(kuai)建設(she)包括中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)博物(wu)館、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)消(xiao)費者教育(yu)保(bao)(bao)(bao)(bao)護(hu)示范(fan)基(ji)(ji)地、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)創(chuang)新(xin)(xin)產(chan)(chan)品展示交(jiao)易平臺(tai)等為載體的中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)博覽園(yuan)，打(da)造(zao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)交(jiao)易所、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)風險(xian)(xian)(xian)(xian)實驗室、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)品與(yu)技(ji)術創(chuang)新(xin)(xin)孵化器、風險(xian)(xian)(xian)(xian)證券化研究與(yu)交(jiao)易中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)等行業基(ji)(ji)礎性平臺(tai)，使寧波成為國(guo)家重(zhong)(zhong)要的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)(chan)業基(ji)(ji)地和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)創(chuang)新(xin)(xin)中(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)。

（二十一）重(zhong)點打(da)造保(bao)(bao)(bao)險(xian)(xian)(xian)全產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)。支持(chi)(chi)鼓勵相(xiang)關(guan)保(bao)(bao)(bao)險(xian)(xian)(xian)機構發(fa)揮股東的(de)(de)(de)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)背景優勢(shi)，積極引(yin)入物聯(lian)(lian)網、大數據(ju)、基(ji)因工程、智(zhi)能(neng)(neng)技術、互聯(lian)(lian)網醫療(liao)、專業(ye)(ye)(ye)(ye)(ye)護理(li)等相(xiang)關(guan)科技創新類(lei)(lei)、先進(jin)制造類(lei)(lei)和高端服(fu)(fu)務(wu)類(lei)(lei)企業(ye)(ye)(ye)(ye)(ye)或機構，重(zhong)點打(da)造健康(kang)管理(li)、養老保(bao)(bao)(bao)障、汽車生(sheng)活、智(zhi)能(neng)(neng)家居四大保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)。各有關(guan)縣（市）區(qu)要規劃保(bao)(bao)(bao)險(xian)(xian)(xian)相(xiang)關(guan)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)發(fa)展的(de)(de)(de)空間載(zai)體，建設相(xiang)應的(de)(de)(de)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)基(ji)地(di)，吸引(yin)大型企業(ye)(ye)(ye)(ye)(ye)、金融機構、產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)基(ji)金和社(she)會資本等重(zhong)點支持(chi)(chi)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)發(fa)展，并在(zai)土(tu)地(di)供(gong)(gong)應、市場(chang)準(zhun)入、政府(fu)采購、人力(li)資源、公共(gong)服(fu)(fu)務(wu)等方(fang)面提(ti)供(gong)(gong)配(pei)套支持(chi)(chi)。通過打(da)造保(bao)(bao)(bao)險(xian)(xian)(xian)全產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)，實現保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)品和服(fu)(fu)務(wu)的(de)(de)(de)精確化(hua)、定制化(hua)供(gong)(gong)給，推動保(bao)(bao)(bao)險(xian)(xian)(xian)從(cong)風險(xian)(xian)(xian)保(bao)(bao)(bao)障向全面風險(xian)(xian)(xian)管理(li)的(de)(de)(de)功(gong)能(neng)(neng)性轉變，促進(jin)保(bao)(bao)(bao)險(xian)(xian)(xian)新業(ye)(ye)(ye)(ye)(ye)態(tai)的(de)(de)(de)加(jia)速生(sheng)成，促進(jin)保(bao)(bao)(bao)險(xian)(xian)(xian)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)與相(xiang)關(guan)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)集群發(fa)展。

（二十二）優化(hua)保(bao)險(xian)產(chan)業(ye)園的(de)營運模式。按照整體(ti)設(she)計(ji)、分(fen)期(qi)募集、政(zheng)(zheng)府(fu)讓(rang)利、滾動發展的(de)途(tu)徑，由政(zheng)(zheng)府(fu)出資(zi)(zi)(zi)20億元，并吸引金(jin)融(rong)(rong)機構(gou)、大型(xing)企業(ye)和(he)社會(hui)資(zi)(zi)(zi)本(ben)等(deng)(deng)共同(tong)募集成立(li)總(zong)規模100億元的(de)保(bao)險(xian)創新與產(chan)業(ye)發展母基(ji)金(jin)，母基(ji)金(jin)再發起設(she)立(li)若干子基(ji)金(jin)，為園區(qu)(qu)保(bao)險(xian)產(chan)業(ye)鏈(lian)建(jian)設(she)、相關(guan)保(bao)險(xian)平(ping)臺(tai)建(jian)設(she)和(he)保(bao)險(xian)產(chan)品(pin)和(he)服(fu)務創新等(deng)(deng)提供引導扶持(chi)。各縣(xian)(xian)（市）區(qu)(qu)政(zheng)(zheng)府(fu)尤其是產(chan)業(ye)園核心區(qu)(qu)政(zheng)(zheng)府(fu)要建(jian)立(li)相應的(de)組織管(guan)理體(ti)系，落實(shi)專門的(de)部門和(he)人員，明確崗位職責(ze)，在規劃(hua)立(li)項(xiang)、辦公(gong)場地、基(ji)礎設(she)施等(deng)(deng)方(fang)面加大支持(chi)力度，加快推進產(chan)業(ye)園建(jian)設(she)。有條件(jian)的(de)縣(xian)(xian)（市）區(qu)(qu)要成立(li)產(chan)業(ye)園投(tou)資(zi)(zi)(zi)開發平(ping)臺(tai)，負責(ze)園區(qu)(qu)的(de)開發營運、招商引資(zi)(zi)(zi)、籌資(zi)(zi)(zi)融(rong)(rong)資(zi)(zi)(zi)、服(fu)務管(guan)理等(deng)(deng)具體(ti)事項(xiang)。市縣(xian)(xian)兩級政(zheng)(zheng)府(fu)在土地利用(yong)總(zong)體(ti)規劃(hua)中統籌考慮保(bao)險(xian)創新產(chan)業(ye)園區(qu)(qu)建(jian)設(she)的(de)需要。

七、扎實(shi)推進行業基(ji)礎建(jian)設(she)

（二十三）建(jian)(jian)設(she)高(gao)素質保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人才(cai)隊伍(wu)。圍繞保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)創新發展需求，大(da)力引進(jin)培養(yang)創新型、緊缺型高(gao)層次(ci)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)(zhuan)業(ye)人才(cai)，造(zao)(zao)就一支具有國(guo)(guo)(guo)際視野、富有改革(ge)創新精神的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人才(cai)隊伍(wu)。實施(shi)開(kai)放(fang)的(de)人才(cai)政策，將高(gao)層次(ci)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人才(cai)列(lie)入(ru)重點人才(cai)引進(jin)計劃(hua)，并按照有關政策給予相(xiang)應(ying)政策支持(chi)。鼓(gu)勵(li)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)企業(ye)與國(guo)(guo)(guo)內外大(da)專(zhuan)(zhuan)院校、科研(yan)機構建(jian)(jian)立(li)長(chang)效合作(zuo)機制，探(tan)索建(jian)(jian)立(li)微培訓(xun)(xun)(xun)(xun)、云培訓(xun)(xun)(xun)(xun)等新型培訓(xun)(xun)(xun)(xun)平臺，營(ying)造(zao)(zao)開(kai)放(fang)式的(de)教育培訓(xun)(xun)(xun)(xun)環境。創辦中(zhong)外合作(zuo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)學(xue)院，使(shi)寧(ning)波成為國(guo)(guo)(guo)際化研(yan)究(jiu)平臺和(he)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人才(cai)培養(yang)基地。鼓(gu)勵(li)大(da)專(zhuan)(zhuan)職業(ye)院校設(she)置保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)相(xiang)關專(zhuan)(zhuan)業(ye)，培養(yang)不同層次(ci)的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人才(cai)。加快建(jian)(jian)設(she)具有較強研(yan)究(jiu)能力和(he)社會影響力的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)智庫，成立(li)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)創新發展研(yan)究(jiu)院，聘(pin)請國(guo)(guo)(guo)內知名(ming)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專(zhuan)(zhuan)家學(xue)者和(he)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)界精英成立(li)試驗(yan)區顧問團(tuan)，為試驗(yan)區建(jian)(jian)設(she)提供智力支持(chi)。

（二(er)十四(si)）穩(wen)步推進保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介(jie)市(shi)場發(fa)展。建立多(duo)層次、多(duo)成分、多(duo)形式的保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介(jie)服(fu)(fu)務(wu)體系(xi)，引(yin)入與(yu)國際(ji)慣(guan)例(li)接軌的保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)經(jing)紀、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)代(dai)理(li)、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公估、投(tou)資(zi)咨詢、律(lv)師、會計、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)咨詢、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)精算(suan)等在內的相關配套專業服(fu)(fu)務(wu)機構(gou),提升保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介(jie)機構(gou)的創(chuang)新(xin)(xin)驅動力和(he)服(fu)(fu)務(wu)能力。支(zhi)持保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介(jie)服(fu)(fu)務(wu)機構(gou)與(yu)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司開展創(chuang)新(xin)(xin)合作，參與(yu)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)產(chan)業鏈建設，在風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)定(ding)價(jia)、產(chan)品開發(fa)、防災防損、理(li)賠服(fu)(fu)務(wu)、反欺詐等方面(mian)發(fa)揮(hui)積(ji)極作用(yong)。鼓(gu)勵保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介(jie)機構(gou)作為獨立、公正的第三方，參與(yu)企業安全生產(chan)管理(li)、涉保(bao)(bao)司法案件鑒定(ding)評(ping)估等服(fu)(fu)務(wu)。

（二十五）建(jian)立跨(kua)部(bu)門數據共享(xiang)機制。加強保(bao)(bao)(bao)險(xian)業(ye)與社會保(bao)(bao)(bao)障、醫療(liao)衛生(sheng)、道路交(jiao)通、銀行征信、氣象(xiang)、稅務、教育等(deng)相關部(bu)門的(de)溝(gou)通協調，建(jian)立數據信息共享(xiang)機制，為(wei)保(bao)(bao)(bao)險(xian)創新(xin)與監(jian)管(guan)提供技術支持。推動(dong)云計算、大(da)數據在(zai)保(bao)(bao)(bao)險(xian)行業(ye)的(de)創新(xin)應(ying)用(yong)，加強數據采集、整合和應(ying)用(yong)分(fen)析。

（二十六）推動保(bao)(bao)險國(guo)際交流合作。堅持(chi)“請進來”與“走出去(qu)”相結合，積極(ji)開展國(guo)際保(bao)(bao)險交流活動，提(ti)高保(bao)(bao)險國(guo)際化水平，服(fu)務國(guo)家“一帶一路”等重大戰略。在寧(ning)波舉(ju)辦中國(guo)保(bao)(bao)險創新(xin)論(lun)壇，并(bing)爭取(qu)使寧(ning)波成(cheng)為論(lun)壇的永久舉(ju)辦地(di)。成(cheng)立(li)亞洲保(bao)(bao)險企(qi)業CEO高端俱(ju)樂部(bu)。

（二十七）提升全社(she)會(hui)保險(xian)(xian)(xian)意(yi)識。建立保險(xian)(xian)(xian)宣(xuan)(xuan)傳(chuan)協(xie)調(diao)機制，統籌開(kai)展保險(xian)(xian)(xian)宣(xuan)(xuan)傳(chuan)工(gong)作。發揮新聞(wen)媒體的正(zheng)面(mian)宣(xuan)(xuan)傳(chuan)和(he)引導作用(yong)(yong)，鼓(gu)勵新聞(wen)媒體利(li)用(yong)(yong)廣(guang)播(bo)、電視、平面(mian)及(ji)互聯網等開(kai)辦專(zhuan)門的保險(xian)(xian)(xian)頻道或(huo)節目欄目。加強大中小學(xue)及(ji)職業(ye)(ye)院校(xiao)學(xue)生(sheng)風險(xian)(xian)(xian)管理與保險(xian)(xian)(xian)意(yi)識教(jiao)育(yu)。支持保險(xian)(xian)(xian)監管部(bu)門、行(xing)業(ye)(ye)協(xie)會(hui)、高等院校(xiao)及(ji)保險(xian)(xian)(xian)企(qi)業(ye)(ye)整合宣(xuan)(xuan)傳(chuan)力量，推進保險(xian)(xian)(xian)知識進學(xue)校(xiao)、進社(she)區(qu)、進農(nong)村、進機關、進企(qi)業(ye)(ye)，在全社(she)會(hui)形成(cheng)學(xue)保險(xian)(xian)(xian)、懂保險(xian)(xian)(xian)、用(yong)(yong)保險(xian)(xian)(xian)的氛圍。將保險(xian)(xian)(xian)教(jiao)育(yu)列入市級(ji)干(gan)部(bu)培訓課程，各(ge)縣（市）區(qu)參照(zhao)執行(xing)，提高各(ge)級(ji)干(gan)部(bu)使用(yong)(yong)保險(xian)(xian)(xian)工(gong)具的意(yi)識和(he)能力。

八、建立支持保險創新發展的政策(ce)體系

（二十(shi)八）加大財政(zheng)支持力度。市財政(zheng)統籌安排金(jin)融(rong)發(fa)展專項資金(jin)，對保險(xian)機(ji)構的(de)引(yin)進(jin)設立、重(zhong)大平臺建設等(deng)給(gei)予(yu)相應的(de)財政(zheng)補助。對在(zai)我市新(xin)設立或從市外新(xin)引(yin)進(jin)的(de)金(jin)融(rong)（保險(xian)）機(ji)構法(fa)人總部，按(an)不高于其注冊資本的(de)4%給(gei)予(yu)獎(jiang)(jiang)勵(li)。此項補貼分批兌現，保險(xian)企業新(xin)引(yin)進(jin)或新(xin)設立時兌現50%，其余50%在(zai)開業之日(ri)起三年內根(gen)(gen)據保險(xian)機(ji)構每年完成預定(ding)業績目標情況撥付(fu)。同時，對上述(shu)機(ji)構自開業之日(ri)起，5年內根(gen)(gen)據考核完成情況另(ling)予(yu)獎(jiang)(jiang)勵(li)。

（二十九）落(luo)實國家鼓勵保(bao)(bao)(bao)險(xian)創(chuang)新發展的稅(shui)(shui)收(shou)政(zheng)(zheng)策(ce)(ce)。向(xiang)上爭取涉及公共安全(quan)和民生保(bao)(bao)(bao)障的公益性保(bao)(bao)(bao)險(xian)項目稅(shui)(shui)費減免政(zheng)(zheng)策(ce)(ce)。加(jia)強稅(shui)(shui)收(shou)政(zheng)(zheng)策(ce)(ce)宣傳輔導，積極落(luo)實企業為職工支付(fu)補充(chong)養老保(bao)(bao)(bao)險(xian)費和補充(chong)醫療保(bao)(bao)(bao)險(xian)費按(an)(an)照規定(ding)稅(shui)(shui)前扣除、按(an)(an)照規定(ding)繳納的財產保(bao)(bao)(bao)險(xian)費用允許稅(shui)(shui)前扣除等涉保(bao)(bao)(bao)稅(shui)(shui)收(shou)政(zheng)(zheng)策(ce)(ce)。在國家法律政(zheng)(zheng)策(ce)(ce)框架內，制定(ding)更加(jia)有利于減輕保(bao)(bao)(bao)險(xian)機構(gou)及從業人員(yuan)稅(shui)(shui)費負擔(dan)的相關措(cuo)施。

（三十）優化保(bao)險(xian)(xian)創新的制度(du)體(ti)系(xi)。相關(guan)(guan)部門應主動加強與中央及浙江省政府有關(guan)(guan)部門溝通匯(hui)報，積極爭取政策支持，修改完善相關(guan)(guan)法規制度(du)，逐步消除(chu)制約商業保(bao)險(xian)(xian)創新發展(zhan)的體(ti)制機制障礙。在涉及公共安全等(deng)(deng)重要領(ling)域，加強保(bao)險(xian)(xian)制度(du)建設,爭取在四年(nian)內完成環境污染責任保(bao)險(xian)(xian)、食(shi)品(pin)安全責任保(bao)險(xian)(xian)、安全生產責任保(bao)險(xian)(xian)、城鎮(zhen)住宅生命周期綜合(he)保(bao)險(xian)(xian)等(deng)(deng)相關(guan)(guan)保(bao)險(xian)(xian)領(ling)域的制度(du)建設工作。

（三十一(yi)(yi)）建(jian)立(li)創(chuang)新激勵保護機(ji)制。對保險(xian)創(chuang)新業務實施(shi)保護期(qi)，對于(yu)保險(xian)首創(chuang)項目可通過單一(yi)(yi)來源采購等方式確定承保機(ji)構(gou)。研究出臺保險(xian)創(chuang)新保護制度(du)，倡(chang)導首創(chuang)精(jing)神，保護創(chuang)新主體(ti)利益，維護市場(chang)競爭秩序(xu)，充分(fen)激發(fa)市場(chang)主體(ti)創(chuang)新活(huo)力和動力。

（三十二(er)）創(chuang)新(xin)(xin)人(ren)(ren)才(cai)(cai)(cai)支(zhi)持政策。實施“泛3315計劃”，加(jia)大(da)保(bao)險創(chuang)新(xin)(xin)人(ren)(ren)才(cai)(cai)(cai)引進，對入選人(ren)(ren)才(cai)(cai)(cai)給予(yu)50萬元、入選團隊給予(yu)100-500萬元資助。提升高層次人(ren)(ren)才(cai)(cai)(cai)創(chuang)業創(chuang)新(xin)(xin)服務(wu)聯盟效能，落實安家補助、購(gou)房(fang)補貼、租房(fang)補貼等政策，強化人(ren)(ren)才(cai)(cai)(cai)服務(wu)保(bao)障。

（三(san)十三(san)）實施(shi)更(geng)加靈活(huo)高效(xiao)的(de)監管政策。爭取(qu)中國保(bao)(bao)監會在(zai)法人機(ji)構批設、創新項目試點、保(bao)(bao)險產品審批、保(bao)(bao)險資金(jin)運用(yong)等方面給予(yu)寧(ning)波相應的(de)政策傾斜，重大創新舉措優先在(zai)寧(ning)波組織實施(shi)；根(gen)據試驗區建設實際需要(yao)，進(jin)一步簡化(hua)審批程序(xu)，賦予(yu)寧(ning)波在(zai)機(ji)構設立（撤(che)銷）、職(zhi)場變更(geng)、產品創新等領域(yu)更(geng)多的(de)自(zi)主權，并探(tan)索在(zai)寧(ning)波試行區域(yu)性(xing)保(bao)(bao)險產品注冊制。

九、加強保險試驗區建(jian)設(she)組織保障

（三十四）加(jia)強(qiang)組(zu)織(zhi)領(ling)(ling)導，統籌協(xie)(xie)調(diao)推(tui)進(jin)。建(jian)立推(tui)進(jin)試(shi)驗(yan)(yan)區(qu)建(jian)設(she)工(gong)(gong)(gong)(gong)作(zuo)(zuo)機制(zhi)，明確(que)分工(gong)(gong)(gong)(gong)，落實(shi)(shi)責任，成立由市(shi)主(zhu)要領(ling)(ling)導為(wei)組(zu)長，市(shi)級相(xiang)關(guan)部門、縣（市(shi)）區(qu)等單(dan)(dan)位為(wei)成員(yuan)的國家保險(xian)(xian)創新(xin)綜合(he)試(shi)驗(yan)(yan)區(qu)實(shi)(shi)施領(ling)(ling)導小組(zu)，負責研究部署保險(xian)(xian)創新(xin)綜合(he)試(shi)驗(yan)(yan)區(qu)建(jian)設(she)的各(ge)(ge)(ge)項(xiang)(xiang)重大任務(wu)，協(xie)(xie)調(diao)督促推(tui)進(jin)各(ge)(ge)(ge)項(xiang)(xiang)保險(xian)(xian)創新(xin)工(gong)(gong)(gong)(gong)作(zuo)(zuo)，總結評估保險(xian)(xian)創新(xin)工(gong)(gong)(gong)(gong)作(zuo)(zuo)。市(shi)政(zheng)府將(jiang)保險(xian)(xian)試(shi)驗(yan)(yan)區(qu)建(jian)設(she)相(xiang)關(guan)工(gong)(gong)(gong)(gong)作(zuo)(zuo)納(na)入(ru)各(ge)(ge)(ge)級政(zheng)府及(ji)有關(guan)部門考(kao)核(he)體系，每年(nian)制(zhi)訂印發(fa)保險(xian)(xian)試(shi)驗(yan)(yan)區(qu)建(jian)設(she)目(mu)標任務(wu)，明確(que)責任分工(gong)(gong)(gong)(gong)和進(jin)度時間表，開展督導考(kao)核(he)。各(ge)(ge)(ge)相(xiang)關(guan)工(gong)(gong)(gong)(gong)作(zuo)(zuo)牽頭單(dan)(dan)位按照(zhao)工(gong)(gong)(gong)(gong)作(zuo)(zuo)分工(gong)(gong)(gong)(gong)制(zhi)定實(shi)(shi)施細則，組(zu)織(zhi)協(xie)(xie)辦單(dan)(dan)位完成各(ge)(ge)(ge)項(xiang)(xiang)工(gong)(gong)(gong)(gong)作(zuo)(zuo)任務(wu)，并(bing)及(ji)時將(jiang)工(gong)(gong)(gong)(gong)作(zuo)(zuo)進(jin)展情況向實(shi)(shi)施領(ling)(ling)導小組(zu)報告。領(ling)(ling)導小組(zu)下設(she)辦公(gong)室，辦公(gong)室設(she)在市(shi)金(jin)融辦，承擔日(ri)常組(zu)織(zhi)、協(xie)(xie)調(diao)、考(kao)核(he)、指(zhi)導工(gong)(gong)(gong)(gong)作(zuo)(zuo)。

（三十五）推動(dong)保險(xian)(xian)機(ji)(ji)構形成上(shang)下(xia)聯動(dong)的創(chuang)新(xin)體制機(ji)(ji)制。推動(dong)相(xiang)關保險(xian)(xian)總(zong)部機(ji)(ji)構指定(ding)專門部門，對接指導寧(ning)波保險(xian)(xian)分支機(ji)(ji)構開(kai)展(zhan)保險(xian)(xian)創(chuang)新(xin)。指導當地各保險(xian)(xian)機(ji)(ji)構建(jian)立與保險(xian)(xian)試驗區建(jian)設(she)相(xiang)適(shi)應的創(chuang)新(xin)組織架構，明確(que)責任分工，層(ceng)(ceng)層(ceng)(ceng)落(luo)實責任，并(bing)制訂(ding)科學合理的創(chuang)新(xin)考(kao)核激(ji)勵機(ji)(ji)制，提高基層(ceng)(ceng)機(ji)(ji)構和從業(ye)人(ren)員創(chuang)新(xin)積極性。

（三十六）建立保(bao)險創(chuang)(chuang)新(xin)統(tong)計和評價體(ti)系(xi)。建立健全保(bao)險創(chuang)(chuang)新(xin)統(tong)計指標體(ti)系(xi)，在整合(he)、甄選(xuan)目(mu)前有關部門管理的涉(she)及保(bao)險創(chuang)(chuang)新(xin)數(shu)據(ju)基礎上，設(she)計形成包(bao)括(kuo)保(bao)險業(ye)發展水平(ping)與(yu)發展質(zhi)量、保(bao)險創(chuang)(chuang)新(xin)財政投入、政策支持、創(chuang)(chuang)新(xin)及服務功能(neng)、經濟貢獻、機構集聚(ju)輻射能(neng)力、項目(mu)運營及相(xiang)關產業(ye)鏈建設(she)情況等在內的統(tong)計指標體(ti)系(xi)，為分(fen)析和評價保(bao)險試(shi)驗區建設(she)成效和研究解決(jue)保(bao)險試(shi)驗區建設(she)重要問題提供(gong)決(jue)策依據(ju)。

（三(san)十七）加強(qiang)監(jian)管(guan)(guan)(guan)協作，強(qiang)化(hua)風(feng)險監(jian)測和(he)研判。加強(qiang)保(bao)(bao)險監(jian)管(guan)(guan)(guan)部(bu)門與(yu)黨政部(bu)門、司法(fa)機(ji)關、新聞宣傳部(bu)門及(ji)其他(ta)金融監(jian)管(guan)(guan)(guan)機(ji)構等的(de)溝(gou)通合(he)作，建(jian)立情況通報和(he)聯動執(zhi)法(fa)檢查制度，強(qiang)化(hua)監(jian)管(guan)(guan)(guan)效(xiao)能(neng)，營(ying)造(zao)公平競(jing)爭市場(chang)(chang)環境(jing)。各縣（市）區政府應切實承擔本區域(yu)(yu)保(bao)(bao)險創新和(he)風(feng)險防范處(chu)(chu)置(zhi)(zhi)職責，強(qiang)化(hua)責任追究，增強(qiang)市場(chang)(chang)約束，建(jian)立健全風(feng)險監(jian)測預(yu)警機(ji)制和(he)風(feng)險處(chu)(chu)置(zhi)(zhi)應急(ji)預(yu)案，優化(hua)風(feng)險處(chu)(chu)置(zhi)(zhi)流程和(he)制度，提(ti)高風(feng)險處(chu)(chu)置(zhi)(zhi)能(neng)力，不(bu)斷提(ti)升(sheng)本區域(yu)(yu)保(bao)(bao)險市場(chang)(chang)的(de)合(he)規(gui)經營(ying)能(neng)力和(he)風(feng)險管(guan)(guan)(guan)控(kong)能(neng)力，確保(bao)(bao)不(bu)發生(sheng)系統性風(feng)險和(he)區域(yu)(yu)性風(feng)險。

附件：1.建設國家保險創(chuang)新綜合試驗區工作任務分(fen)工

2.建設國家保險創新綜合試驗區2016年-2017年重(zhong)點工作任務