2023年(nian)5月18日，中國(guo)保險(xian)(xian)行業協會(hui)（以下簡稱“保險(xian)(xian)業協會(hui)”）在(zai)(zai)京(jing)發布(bu)《農(nong)業保險(xian)(xian)承保理賠(pei)電(dian)子(zi)化(hua)作(zuo)業規范(fan)》標準(zhun)(zhun)。該標準(zhun)(zhun)嚴格落實監管(guan)部門《農(nong)業保險(xian)(xian)承保理賠(pei)管(guan)理辦法》要求(qiu)，由中國(guo)銀保信、人(ren)保財(cai)險(xian)(xian)、國(guo)壽財(cai)險(xian)(xian)、平安產險(xian)(xian)、大(da)地保險(xian)(xian)、中華財(cai)險(xian)(xian)、安華農(nong)險(xian)(xian)、陽光農(nong)險(xian)(xian)、國(guo)元農(nong)險(xian)(xian)、中原(yuan)農(nong)險(xian)(xian)等(deng)單位共(gong)同參與編(bian)制(zhi)。標準(zhun)(zhun)制(zhi)定在(zai)(zai)充分借鑒當前在(zai)(zai)全國(guo)20余個地區開展的農(nong)險(xian)(xian)電(dian)子(zi)化(hua)的實踐經驗(yan)基礎上(shang)，經過(guo)多次調研、論證、研討、審定等(deng)程序，先后吸收行業內外意(yi)見近200條，共(gong)歷時(shi)兩年(nian)多時(shi)間。

隨著科技的發(fa)展(zhan)和(he)成熟，電(dian)子簽名、電(dian)子單證、移(yi)動(dong)應用等(deng)(deng)技術(shu)逐步(bu)應用于保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)等(deng)(deng)金融機(ji)構(gou)(gou)，并(bing)作(zuo)為農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)賦能的重要(yao)(yao)手(shou)段，但(dan)在近年來的實際應用過程中發(fa)現，農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的承保(bao)(bao)(bao)(bao)理(li)(li)(li)賠(pei)(pei)電(dian)子化(hua)作(zuo)業(ye)(ye)由(you)于標準缺失，給(gei)農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)高質量(liang)發(fa)展(zhan)帶(dai)來不必要(yao)(yao)的系列問題。該標準通過對(dui)農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)承保(bao)(bao)(bao)(bao)理(li)(li)(li)賠(pei)(pei)各流程的線(xian)上(shang)化(hua)操作(zuo)進行(xing)規(gui)定(ding)，明(ming)確了(le)農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)承保(bao)(bao)(bao)(bao)的政(zheng)策宣講、信息采集、投(tou)保(bao)(bao)(bao)(bao)告知與(yu)確認、標的核驗、承保(bao)(bao)(bao)(bao)公示(shi)、收(shou)費出單、批改管理(li)(li)(li)、電(dian)子保(bao)(bao)(bao)(bao)單；及農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)理(li)(li)(li)賠(pei)(pei)端的報案(an)、查勘(kan)定(ding)損、立案(an)、理(li)(li)(li)算、理(li)(li)(li)賠(pei)(pei)公示(shi)、賠(pei)(pei)款確認、核賠(pei)(pei)支付(fu)、特殊理(li)(li)(li)賠(pei)(pei)案(an)件處理(li)(li)(li)各環節的具體要(yao)(yao)求，對(dui)后續保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)如何(he)進行(xing)線(xian)上(shang)化(hua)操作(zuo)進行(xing)了(le)統(tong)一，為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)(gou)合規(gui)、科學、有效(xiao)的推動(dong)線(xian)上(shang)化(hua)農(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)提供(gong)具體指(zhi)導和(he)技術(shu)依(yi)據。

該標準的制(zhi)定，一方面(mian)基于(yu)《農(nong)業(ye)(ye)保(bao)(bao)險承保(bao)(bao)理(li)賠管理(li)辦法》要(yao)求，通過全國農(nong)業(ye)(ye)保(bao)(bao)險信(xin)息(xi)管理(li)平(ping)臺(tai)明(ming)確農(nong)業(ye)(ye)保(bao)(bao)險線(xian)上化承保(bao)(bao)理(li)賠過程中新(xin)技(ji)術的應用(yong)方式(shi)，統一操作規范，提高行業(ye)(ye)科(ke)技(ji)化應用(yong)水平(ping)，引導行業(ye)(ye)創新(xin)發展、降本提效(xiao)；另一方面(mian)在線(xian)上作業(ye)(ye)的各個環節不斷提升參保(bao)(bao)農(nong)戶(hu)操作便捷性和信(xin)息(xi)透明(ming)度，保(bao)(bao)障農(nong)戶(hu)知情權，切實維(wei)護投保(bao)(bao)農(nong)戶(hu)利益(yi)。

保(bao)(bao)險(xian)業(ye)(ye)(ye)(ye)協會(hui)相關負(fu)責人表示，該標準發(fa)布實施，將進一步統一農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)承保(bao)(bao)理賠線上化操(cao)作，有利于促進地方監(jian)管機(ji)(ji)構(gou)及保(bao)(bao)險(xian)機(ji)(ji)構(gou)全面提升農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)管理水(shui)平，更好引導保(bao)(bao)險(xian)機(ji)(ji)構(gou)人員進行(xing)合規展業(ye)(ye)(ye)(ye)，為(wei)廣大(da)農(nong)(nong)戶提供更便(bian)捷、高(gao)品質的(de)服(fu)務。下一步，保(bao)(bao)險(xian)業(ye)(ye)(ye)(ye)協會(hui)將深入貫徹(che)黨的(de)二(er)十大(da)精神，以習(xi)近平新(xin)時代中國(guo)特色社會(hui)主(zhu)義思想為(wei)引領，為(wei)現代農(nong)(nong)業(ye)(ye)(ye)(ye)發(fa)展和鄉村振興做好金融(rong)保(bao)(bao)險(xian)服(fu)務,助(zhu)力農(nong)(nong)業(ye)(ye)(ye)(ye)強(qiang)國(guo)建設(she)。

封面圖片來源(yuan)：視覺中(zhong)國-VCG41620930599