每經(jing)記者(zhe)｜袁園    每經(jing)編輯(ji)｜張益銘 

7月28日，中(zhong)國保(bao)險行業(ye)協會（以(yi)下簡稱“保(bao)險業(ye)協會”）正(zheng)式發布2022年度交強險經營情況(kuang)。

統計數據(ju)顯示，去年全年，交強險(xian)承保(bao)(bao)機動車(che)數量3.37億(yi)輛；保(bao)(bao)費收(shou)入2465億(yi)元(yuan)，保(bao)(bao)障(zhang)金額67萬億(yi)元(yuan)；賠付(fu)成(cheng)本1845億(yi)元(yuan)；承保(bao)(bao)虧(kui)損22億(yi)元(yuan)；管理與服務成(cheng)本585億(yi)元(yuan)（含救助基(ji)(ji)金）；救助基(ji)(ji)金自制度實(shi)施以來累計提取279億(yi)元(yuan)。

從(cong)經(jing)營(ying)(ying)結果來看，2022年(nian)度交強險(xian)經(jing)營(ying)(ying)質效提升(sheng)，保險(xian)保障(zhang)作用充分(fen)發揮(hui)，承保機動車(che)數量同(tong)(tong)比增(zeng)長4.3%，保障(zhang)金額(e)同(tong)(tong)比提升(sheng)4.4%，賠付成(cheng)本同(tong)(tong)比增(zeng)長4.6%，車(che)均保費同(tong)(tong)比下降0.5%，車(che)險(xian)綜合改革“降價、增(zeng)保、提質”階段性(xing)目標全(quan)面(mian)達成(cheng)。

保險業協會表示，近年來，交強險在參與社會治理、服務民生保障等方面作用凸顯，消費者滿意度進一步提升。2022年保險行業重點開展了五個方面的工作：一是繼續(xu)提取道路交通事故(gu)(gu)社會(hui)救(jiu)助(zhu)基(ji)(ji)金(jin)(jin)。保險(xian)行業積(ji)極配合有(you)關(guan)部(bu)門(men)落實《道路交通事故(gu)(gu)社會(hui)救(jiu)助(zhu)基(ji)(ji)金(jin)(jin)管(guan)理辦法》文件要求，強化(hua)保障(zhang)功能，開展救(jiu)助(zhu)基(ji)(ji)金(jin)(jin)的提取工(gong)作。救(jiu)助(zhu)基(ji)(ji)金(jin)(jin)規模持(chi)續(xu)增長，截至2022年底(di)已累計提取救(jiu)助(zhu)基(ji)(ji)金(jin)(jin)279億元(yuan)，充分履行了保險(xian)行業的社會(hui)責任。

二是著力開展疫(yi)情期間保(bao)(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)(bao)障服(fu)(fu)務(wu)。原銀保(bao)(bao)(bao)(bao)(bao)監(jian)會辦公(gong)(gong)廳先(xian)后發布《關(guan)于金融支持貨運物流保(bao)(bao)(bao)(bao)(bao)通保(bao)(bao)(bao)(bao)(bao)暢工作(zuo)的通知(zhi)》（銀保(bao)(bao)(bao)(bao)(bao)監(jian)辦發[2022]40號）、《關(guan)于進(jin)一步(bu)做好受疫(yi)情影(ying)響困難行業企業等金融服(fu)(fu)務(wu)的通知(zhi)》（銀保(bao)(bao)(bao)(bao)(bao)監(jian)辦發[2022]64號）。保(bao)(bao)(bao)(bao)(bao)險公(gong)(gong)司積極作(zuo)為，踐行社(she)會責任，提(ti)升(sheng)線(xian)上(shang)(shang)化服(fu)(fu)務(wu)能(neng)力，探索推進(jin)無(wu)接觸核保(bao)(bao)(bao)(bao)(bao)核賠，切實做到(dao)應保(bao)(bao)(bao)(bao)(bao)盡保(bao)(bao)(bao)(bao)(bao)快保(bao)(bao)(bao)(bao)(bao)、應賠盡賠快賠，為投保(bao)(bao)(bao)(bao)(bao)人提(ti)供(gong)全流程線(xian)上(shang)(shang)投保(bao)(bao)(bao)(bao)(bao)服(fu)(fu)務(wu)。組織成立(li)志愿救(jiu)援隊伍，配置(zhi)搭電充氣等救(jiu)援設備，提(ti)供(gong)免(mian)費消毒等服(fu)(fu)務(wu)項目，方便(bian)廣大車主，助(zhu)力防(fang)疫(yi)抗疫(yi)。

三是主(zhu)動(dong)修訂(ding)交(jiao)強(qiang)險承(cheng)保(bao)理(li)賠(pei)實務(wu)。保(bao)險業協會修訂(ding)發布(bu)新版交(jiao)強(qiang)險承(cheng)保(bao)理(li)賠(pei)實務(wu)，配合國(guo)家政(zheng)策法規(gui)調(diao)整，明確消費者(zhe)線上(shang)化(hua)投保(bao)要求(qiu)、費率浮動(dong)依據(ju)(ju)以及(ji)人身損(sun)害賠(pei)償城鄉一(yi)體(ti)化(hua)賠(pei)償執(zhi)行(xing)依據(ju)(ju)，要求(qiu)保(bao)險公司(si)為道路(lu)交(jiao)通事故受害人及(ji)其親屬(shu)提供更加便捷(jie)的(de)服(fu)務(wu)。保(bao)險行(xing)業在優化(hua)服(fu)務(wu)流(liu)程、增(zeng)強(qiang)服(fu)務(wu)質(zhi)效等方面推出一(yi)系列舉措，進(jin)一(yi)步增(zeng)強(qiang)消費者(zhe)的(de)獲得感。

四是及(ji)時(shi)發(fa)布電(dian)動(dong)(dong)(dong)摩托車承(cheng)保(bao)(bao)實務(wu)。發(fa)布《電(dian)動(dong)(dong)(dong)摩托車承(cheng)保(bao)(bao)實務(wu)（試行(xing)）》，將電(dian)動(dong)(dong)(dong)摩托車按功率和(he)最高(gao)設計車速分為三檔，并與原有燃(ran)油摩托車的(de)費率進行(xing)對(dui)應。針對(dui)我國(guo)電(dian)動(dong)(dong)(dong)摩托車市場(chang)銷量快速增長(chang)的(de)趨勢(shi)，重點關注消費者綠色出(chu)行(xing)的(de)保(bao)(bao)障需(xu)求(qiu)(qiu)，規(gui)范保(bao)(bao)險業(ye)電(dian)動(dong)(dong)(dong)摩托車的(de)承(cheng)保(bao)(bao)流(liu)程(cheng)和(he)實務(wu)操作，梳理投保(bao)(bao)后(hou)的(de)信息(xi)要(yao)點，便捷(jie)線上化服(fu)務(wu)流(liu)程(cheng)、提升保(bao)(bao)險行(xing)業(ye)服(fu)務(wu)效率、增強消費者保(bao)(bao)險服(fu)務(wu)的(de)便利性，適應產業(ye)發(fa)展(zhan)要(yao)求(qiu)(qiu)，助力我國(guo)電(dian)動(dong)(dong)(dong)摩托車產業(ye)和(he)市場(chang)良性發(fa)展(zhan)。

五是積極(ji)開(kai)(kai)展(zhan)(zhan)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)風險(xian)(xian)(xian)(xian)(xian)減(jian)量(liang)服(fu)務(wu)。原銀保(bao)(bao)監(jian)會辦公廳發(fa)(fa)(fa)布《關于財產(chan)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)積極(ji)開(kai)(kai)展(zhan)(zhan)風險(xian)(xian)(xian)(xian)(xian)減(jian)量(liang)服(fu)務(wu)的(de)意見》（銀保(bao)(bao)監(jian)辦發(fa)(fa)(fa)[2023]7號），鼓(gu)勵提(ti)供(gong)專業(ye)(ye)化風險(xian)(xian)(xian)(xian)(xian)減(jian)量(liang)服(fu)務(wu)，切實發(fa)(fa)(fa)揮保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)對(dui)經濟“助推器”作用(yong)。保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)行業(ye)(ye)積極(ji)落實文件精神，運(yun)用(yong)大數據、車(che)聯網、云計算等(deng)科技手段，在車(che)險(xian)(xian)(xian)(xian)(xian)風險(xian)(xian)(xian)(xian)(xian)減(jian)量(liang)服(fu)務(wu)的(de)內容、范圍、形式(shi)、供(gong)給等(deng)方(fang)(fang)面下足功夫，研(yan)究風險(xian)(xian)(xian)(xian)(xian)減(jian)量(liang)具體實施方(fang)(fang)案，充分發(fa)(fa)(fa)揮專業(ye)(ye)優勢(shi)，提(ti)前(qian)預防重大交通意外(wai)事(shi)故的(de)發(fa)(fa)(fa)生。

保險(xian)(xian)業協(xie)會表(biao)示，下(xia)一步將繼(ji)續圍繞(rao)主責主業，持續做好交(jiao)強險(xian)(xian)經(jing)營發展各項支持工(gong)作，不斷(duan)提升交(jiao)強險(xian)(xian)經(jing)營水(shui)平，切實維護好消費者權益(yi)。

封面圖片來源：每日經濟(ji)新聞 劉國梅(mei) 攝