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Recently,Ministry of Industry and Information Technology、Ministry of Finance、The State Administration of Financial Supervision jointly issued the "Opinions on Further Improving the Insurance Compensation Policy for the First Batch of New Materials for the First (Set) of Major Technical Equipment" (hereinafter referred to as the "Opinions")。In order to facilitate the understanding of the "Opinions",Do a good job in implementation,The relevant content is now interpreted as follows。
1. Background of the revision of the "Opinions"
In order to thoroughly implement the Party Central Committee、The State Council’s strategic decision on promoting the construction of a manufacturing power,Implement the spirit of the Central Financial Work Conference and the National New Industrialization Promotion Conference,Accelerate the high-quality development of major technical equipment and new material industries,Solve the difficult problems in promotion and application of the first batch of units (sets) entering the market,Cultivate risk sharing at the same time、Insurance market for benefit sharing,Promote the transformation of innovation results into real productivity,Drive the enthusiasm of enterprises for research and development,Ministry of Industry and Information Technology、Ministry of Finance、On the basis of summarizing the experience dafabet online betting websiteof previous policy implementation,Further strengthen policy positioning、Optimize policy design、Sound operating mechanism、Strengthen supervision and management,Ensure policies work better。
2. Principles of revision of the "Opinions"
This revision of the "Opinions" is based on "diversification of insurance types、Dynamic rate、Enterprise autonomy、Strict supervision、The principle of maximizing the utility of fiscal funds。First, diversification of insurance types,Focus on the main risks faced by production enterprises in the promotion, application and iterative update stages,Expand applicable insurance types,The first set (set)、The first batch to provide a variety of insurance protection solutions。The second is the dynamicization of rates,Establish a market-oriented and differentiated dynamic adjustment mechanism for insurance premiums,Require insurance companies to follow the principles of “capital preservation and small profits” and “actuarial balance”,Carry out regular review and dynamic adjustment of insurance rates。The third is enterprise autonomy,Support manufacturing units based on equipment、New material product characteristics and actual needs,Decide independently on the type of insurance within the policy framework、Insurance quantity and insurance years。The fourth is stricter supervision,Consolidate the responsibilities of each implementing entity of the policy,Strengthen authenticity review,Promptly conduct dynamic assessment of insurance rates, etc.,Strengthen supervision and inspection,Increase punishment,Improve policies in a timely manner,Ensure Dafabet reviewsthe safety and effectiveness of financial funds。The fifth is to maximize the utility of fiscal funds,The first set (set)、The first batch of concept scope is expanded to equipment in the early stage of entering the market、New material products,Expand the number and years of support,Driven the first unit (set) through application、The first iteration update,Until a cost competitive advantage is formed。
3. Main optimization contents of the "Opinions"
Based on the above principles,Our focus is on expanding the scope of protection、Optimize insurance rates、Improving the declaration process、Innovations have been made in adjusting the concept and connotation,The details are as follows:
(1) In terms of insurance coverage,Enrich the supply of insurance types to meet user needs。Adjust insurance types from the original single insurance model to a multi-insurance model,Extended insurance coverage,Enrich the supply of insurance products,Expand insurance coverage,The first set (set)、Wide range available in first batch、Multi-angle risk protection。Support manufacturing units based on equipment、Select the type of insurance independently based on the characteristics of new material products and actual needs,Improve the applicability and flexibility of policies。
(2) In terms of insurance rates,Establish a dynamic adjustment mechanism for market differentiation。Make it clear that manufacturing units can be within the premium subsidy fund limit determined by the state,Decide on your own equipment、Number of new material products insured、Years and types of insurance。Specify the first unit (set)、Principles for determining the rate of the first batch of insurance,Require insurance companies to follow the principles of “capital preservation and small profits” and “actuarial balance”,Carry out rate review and dynamic Dafabet reviewsadjustment,True use of insurance mechanism services、The role of profit-sharing manufacturing enterprises。In the specific operation process,The manufacturing unit can negotiate independently with the insurance company,Different equipment in different fields、New material products form differentiated rates based on risk characteristics。
(3) In terms of application process,Stabilize the expectations of all parties through step-by-step declaration。Replace the original "insured first、Post-declaration review、Re-subsidy” application procedure is adjusted to “qualification first”、Insure later、Reapply for funds”。The first step is to clarify each type of equipment、New material product insurance qualifications and financial subsidy fund amount。The second step is for the manufacturing unit to independently purchase insurance。The third step is to apply for financial subsidies based on the insurance status of this year。Clear the subsidy qualifications of manufacturing units before applying for insurance、Inform the subsidy amount,Provide stable expectations for each policy participant,Increase the willingness of manufacturing units to purchase insurance,Regulating the performance of insurance contracts。
(4) In terms of conceptual connotation,Expand the number and years of support。Consider equipment、Mature rules of new material products,For the first (set) of equipment,Expand the scope of the concept to "complete equipment that has not yet formed a competitive advantage in the early stage of entering the market、Core systems and key component products”,Expand the number and years of support。For the first batch of new dafabet online betting websitematerials,No longer limited to purchase and use in the first year,Expand the number of supported products,At the same time, enterprises and insurance companies are supported to negotiate independently to extend the insurance period。
Source: Ministry of Industry and Information Technology
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