當(dang)前(qian)，受(shou)新冠肺炎疫情等因(yin)素影響，世界(jie)經濟(ji)發展環境的復雜(za)性(xing)、嚴峻性(xing)、不(bu)確(que)定性(xing)上升(sheng)。穩(wen)增長、穩(wen)就業、穩(wen)物價是當(dang)下的重要(yao)目標。

“保險(xian)所(suo)具備的(de)(de)風險(xian)轉移、風險(xian)預(yu)防(fang)、經(jing)濟損失補償等獨特屬性(xing)，決定(ding)了保險(xian)在穩住經(jing)濟大盤(pan)發揮不(bu)可替代的(de)(de)作用。”錦(jin)泰(tai)保險(xian)相(xiang)關負(fu)責人介紹(shao)，今年以來，錦(jin)泰(tai)保險(xian)緊(jin)緊(jin)圍(wei)繞上級決策部署，積(ji)極響應金(jin)融助(zhu)企(qi)紓(shu)困號召，成立工作專班研究(jiu)制定(ding)有針對(dui)性(xing)的(de)(de)金(jin)融助(zhu)企(qi)紓(shu)困措施(shi)。2022年以來，累計向(xiang)實體經(jing)濟和社會(hui)民生(sheng)提(ti)供風險(xian)保障約(yue)1.7萬億元，全力助(zhu)力穩經(jing)濟大盤(pan)，促(cu)進經(jing)濟發展。

強化“保險+科技”，助力增強中小企業活力

錦泰(tai)(tai)保(bao)(bao)(bao)險(xian)積極響應國(guo)家“放管服”“優(you)化(hua)營商環境(jing)”等(deng)支持(chi)實(shi)體經濟發展政策，探索(suo)將(jiang)(jiang)保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)業(ye)(ye)務引入政府采(cai)購及(ji)建設工程領(ling)域，在(zai)西南地(di)區率先(xian)推出線上(shang)化(hua)電(dian)(dian)子保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)業(ye)(ye)務。該業(ye)(ye)務用保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)替(ti)代保(bao)(bao)(bao)證金的方式(shi)，為中小(xiao)企業(ye)(ye)降本減(jian)負，減(jian)少投標保(bao)(bao)(bao)證金占(zhan)用，是(shi)錦泰(tai)(tai)保(bao)(bao)(bao)險(xian)支持(chi)盤活存量、激發經營活力，支持(chi)實(shi)體經濟發展的重要舉(ju)措，且因“成本低、效(xiao)率高、信用好”特點，得到(dao)了廣大客戶的支持(chi)與認可(ke)。尤其在(zai)抗擊新冠肺炎疫情的特殊時期，該項線上(shang)業(ye)(ye)務有效(xiao)避(bi)免了投標人、招標人、評標人等(deng)現場見面(mian)接(jie)觸造成感染的可(ke)能，實(shi)現了“不(bu)見面(mian)、不(bu)打烊”。目前已與鄭(zheng)州(zhou)、武漢、蘭州(zhou)、昆明(ming)等(deng)多個省會城市和三、四級(ji)城市公(gong)共資源(yuan)交易中心合作開(kai)展線上(shang)化(hua)電(dian)(dian)子保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)業(ye)(ye)務，將(jiang)(jiang)優(you)質(zhi)服務通(tong)過互聯網推廣到(dao)全國(guo)。

錦泰保(bao)險(xian)還通過推廣農民(min)工工資支付(fu)保(bao)證保(bao)險(xian)產品，有效提(ti)高建筑企業及建筑行(xing)業的(de)抗風險(xian)能力和資金利用效率，切實降低企業運營(ying)成(cheng)本。截至目(mu)前(qian)，已累計為農民(min)工的(de)工資支付(fu)提(ti)供風險(xian)保(bao)障超過3億元。

強化“保險+創新”，支持助農興農富農

錦(jin)泰保險積極(ji)扛起(qi)糧食安全政治(zhi)責任，為保障農業生產貢獻力量。上半年(nian)為20萬戶(hu)農戶(hu)提供風(feng)險保障約35億元。

錦泰保(bao)(bao)險(xian)持(chi)續(xu)推進農(nong)業(ye)保(bao)(bao)險(xian)“擴(kuo)面、增(zeng)品、提標(biao)”，積極推廣三大糧(liang)(liang)食(shi)作(zuo)(zuo)物的完全成本保(bao)(bao)險(xian)和收入保(bao)(bao)險(xian)，持(chi)續(xu)推進糧(liang)(liang)食(shi)作(zuo)(zuo)物制種保(bao)(bao)險(xian)服務工作(zuo)(zuo)，為糧(liang)(liang)食(shi)生(sheng)產(chan)(chan)過程(cheng)中的種子安全、產(chan)(chan)能提升、產(chan)(chan)量保(bao)(bao)障和糧(liang)(liang)農(nong)生(sheng)產(chan)(chan)積極性保(bao)(bao)護等(deng)問題提供全面風險(xian)保(bao)(bao)障，保(bao)(bao)障糧(liang)(liang)食(shi)安全底線。

錦泰保險(xian)在農險(xian)領域堅持(chi)創(chuang)新(xin)引(yin)領發展、“一(yi)地一(yi)品(pin)(pin)”經營(ying)策略，推出涵蓋水果(guo)、食用菌、花椒、茶葉(xie)種(zhong)植和小家(jia)禽、肉羊、肉牛(niu)養(yang)殖領域的多個產(chan)品(pin)(pin)，為全(quan)國各地方特色農業產(chan)業搭(da)建了涵蓋自(zi)然(ran)風險(xian)、疫病風險(xian)、市場風險(xian)、收入風險(xian)和品(pin)(pin)質(zhi)風險(xian)等全(quan)方位風險(xian)保障體系(xi)。2019年，率先將農產(chan)品(pin)(pin)品(pin)(pin)質(zhi)納入保障范疇，創(chuang)新(xin)推出了農產(chan)品(pin)(pin)品(pin)(pin)質(zhi)保險(xian)。

為推進(jin)農業產業結構和(he)布局(ju)優化，促(cu)進(jin)蔬菜產業提檔升(sheng)級(ji)、農民(min)增(zeng)收，錦(jin)泰保(bao)(bao)險在創新推出一攬子(zi)蔬菜保(bao)(bao)險產品的(de)同時，不斷調整蔬菜保(bao)(bao)險承保(bao)(bao)方案，提升(sheng)蔬菜保(bao)(bao)險保(bao)(bao)額(e)，以覆(fu)蓋農戶(hu)蔬菜生產中的(de)完全成本(ben)(ben)，實現蔬菜保(bao)(bao)險由物化成本(ben)(ben)保(bao)(bao)險向完全成本(ben)(ben)保(bao)(bao)險的(de)迭代(dai)升(sheng)級(ji)。

發(fa)展生(sheng)(sheng)(sheng)豬(zhu)(zhu)生(sheng)(sheng)(sheng)產，對(dui)保(bao)(bao)(bao)(bao)障人民(min)群(qun)眾生(sheng)(sheng)(sheng)活、穩(wen)定物價(jia)、保(bao)(bao)(bao)(bao)持經(jing)濟平穩(wen)運(yun)行(xing)具(ju)有(you)重要意義。錦泰保(bao)(bao)(bao)(bao)險(xian)(xian)在(zai)生(sheng)(sheng)(sheng)豬(zhu)(zhu)養殖保(bao)(bao)(bao)(bao)險(xian)(xian)基(ji)礎上(shang)，創(chuang)新(xin)開發(fa)生(sheng)(sheng)(sheng)豬(zhu)(zhu)價(jia)格指數保(bao)(bao)(bao)(bao)險(xian)(xian)、母豬(zhu)(zhu)價(jia)值保(bao)(bao)(bao)(bao)險(xian)(xian)等產品，為生(sheng)(sheng)(sheng)豬(zhu)(zhu)穩(wen)產保(bao)(bao)(bao)(bao)供工作搭建起(qi)(qi)“中央+地方”“死亡風(feng)險(xian)(xian)+價(jia)格風(feng)險(xian)(xian)”的(de)多層次、多維度的(de)保(bao)(bao)(bao)(bao)障體系，為穩(wen)定豬(zhu)(zhu)肉價(jia)格和養殖戶生(sheng)(sheng)(sheng)產信(xin)心起(qi)(qi)到促進作用。

強化“保險+服務”，助力提升城市韌性

錦泰保(bao)(bao)險(xian)主動適應城市發展(zhan)對金(jin)融保(bao)(bao)險(xian)的(de)新需要，積極為城市治理體系現代化和(he)治理能力現代化提供保(bao)(bao)險(xian)方案。

錦泰(tai)保(bao)(bao)(bao)險(xian)(xian)自2011年推出成(cheng)(cheng)都(dou)市首款電(dian)(dian)(dian)(dian)梯(ti)雇(gu)(gu)主責(ze)任保(bao)(bao)(bao)險(xian)(xian)以(yi)來，不(bu)斷探(tan)(tan)索電(dian)(dian)(dian)(dian)梯(ti)行業保(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)機制(zhi)，創新(xin)產品和服務，著力構建(jian)多(duo)層次電(dian)(dian)(dian)(dian)梯(ti)風險(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)體(ti)系，探(tan)(tan)索電(dian)(dian)(dian)(dian)梯(ti)行業保(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)障(zhang)(zhang)機制(zhi)，形成(cheng)(cheng)電(dian)(dian)(dian)(dian)梯(ti)行業“一攬子保(bao)(bao)(bao)險(xian)(xian)”，不(bu)僅(jin)保(bao)(bao)(bao)障(zhang)(zhang)電(dian)(dian)(dian)(dian)梯(ti)雇(gu)(gu)主責(ze)任，還針對電(dian)(dian)(dian)(dian)梯(ti)從業人(ren)員(yuan)、電(dian)(dian)(dian)(dian)梯(ti)運(yun)行期間的乘用人(ren)員(yuan)意外風險(xian)(xian)提供保(bao)(bao)(bao)障(zhang)(zhang)，探(tan)(tan)索推進“保(bao)(bao)(bao)險(xian)(xian)+服務+物聯(lian)網”電(dian)(dian)(dian)(dian)梯(ti)維保(bao)(bao)(bao)維修新(xin)模式。

錦泰保(bao)險(xian)(xian)引入“保(bao)險(xian)(xian)+服務(wu)”醫(yi)療(liao)責任類保(bao)險(xian)(xian)創新模式(shi)，創建五方(fang)評估(gu)醫(yi)療(liao)糾紛調(diao)(diao)解(jie)機制，著力(li)破解(jie)醫(yi)患關系“調(diao)(diao)解(jie)難”。目前在(zai)四川成都、自貢、南充和(he)陜西延安(an)、銅川以(yi)及河南鶴壁等地相繼開展醫(yi)責險(xian)(xian)新模式(shi)，積(ji)累了較為豐(feng)富的(de)糾紛調(diao)(diao)處和(he)保(bao)險(xian)(xian)賠付經驗(yan)，服務(wu)范圍(wei)和(he)人數不斷擴大。

此(ci)外，錦泰(tai)保險(xian)還通過責任險(xian)、財產保險(xian)等助(zhu)力城(cheng)市公共交通安(an)全(quan)、公共設(she)施安(an)全(quan)等風(feng)險(xian)體(ti)系建設(she)，在做好理賠服(fu)務基礎上，主動提供風(feng)險(xian)查勘、防(fang)災減(jian)(jian)損服(fu)務，定期(qi)走訪客戶(hu)排查風(feng)險(xian)隱患，協助(zhu)客戶(hu)降低(di)事故發(fa)生(sheng)概(gai)率，減(jian)(jian)少(shao)事故發(fa)生(sheng)造成的損失。文/江(jiang)江(jiang)