據上(shang)海證(zheng)券報獨(du)家(jia)獲悉，隨(sui)著我國農(nong)業(ye)現(xian)代化(hua)進(jin)程的(de)加快，發展的(de)內外(wai)部(bu)環境發生了深刻(ke)變(bian)(bian)化(hua)。而(er)基于(yu)這些變(bian)(bian)化(hua)，保監(jian)會正(zheng)(zheng)醞(yun)釀對農(nong)業(ye)保險(xian)市場準入制度(du)進(jin)行改革，相關(guan)文件近日起草完畢(bi)，目前正(zheng)(zheng)在財險(xian)業(ye)內部(bu)征求意見階(jie)段。

　　經過(guo)近年來(lai)的快速發展(zhan)，我國農業保險已進入發展(zhan)新(xin)常態(tai)。實現了(le)跨越(yue)式發展(zhan)，保險品種(zhong)不斷(duan)增(zeng)加，保險覆蓋面和(he)參保農戶(hu)數顯著提高，保險服務水平(ping)和(he)服務能力不斷(duan)增(zeng)強，在國民經濟社會全局(ju)中的地位和(he)作用日益凸顯。

　　但由于農業保(bao)險(xian)屬于政策性險(xian)種、實行的是保(bao)費補貼(tie)政策，為維護公平有序的市場秩序，適(shi)度(du)(du)的準入門檻以及獎優罰劣制度(du)(du)也(ye)是必不可缺的。

　　根(gen)據(ju)(ju)《農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)條例》和(he)《國務(wu)院(yuan)關于取(qu)消和(he)調(diao)整一批(pi)行政(zheng)(zheng)審批(pi)項(xiang)目等事項(xiang)的決定》有(you)關精(jing)神，農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)經(jing)(jing)營資格(ge)行政(zheng)(zheng)審批(pi)事項(xiang)或將被(bei)取(qu)消。但，根(gen)據(ju)(ju)近日內部下發的《關于改革(ge)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)市場準入制度(du)的通知》征求(qiu)(qiu)意見稿，準入門檻(jian)將會根(gen)據(ju)(ju)經(jing)(jing)營主體的不同(tong)有(you)所(suo)區分(fen)。相較保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司總公(gong)司開(kai)(kai)(kai)辦(ban)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)的各種條件而言，對保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司省(sheng)級分(fen)公(gong)司開(kai)(kai)(kai)辦(ban)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)的準入門檻(jian)將更(geng)加(jia)細化。此外(wai)，對于開(kai)(kai)(kai)辦(ban)四類(lei)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司，可適當降低(di)經(jing)(jing)營資質要求(qiu)(qiu)。這四類(lei)分(fen)別(bie)是：在革(ge)命老區、貧(pin)困地區和(he)邊疆少數(shu)民(min)族地區開(kai)(kai)(kai)辦(ban)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu);開(kai)(kai)(kai)辦(ban)地方特色優(you)勢農(nong)(nong)作物保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、價(jia)格(ge)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、收入保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、天氣指數(shu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、“互聯網(wang)+”等創新型農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu);開(kai)(kai)(kai)辦(ban)漁業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、制種保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、中(zhong)藥材保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)等服務(wu)基礎(chu)較為薄弱的農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu);開(kai)(kai)(kai)辦(ban)商業(ye)(ye)(ye)性農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)。而對一些違法違規的經(jing)(jing)營主體，也會建立(li)黑名單制度(du)，使其不得(de)開(kai)(kai)(kai)展農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)。

　　值(zhi)得一提的(de)(de)(de)是，作(zuo)為(wei)互聯網(wang)金(jin)(jin)(jin)融綜(zong)合(he)服(fu)(fu)務平臺(tai)的(de)(de)(de)三農金(jin)(jin)(jin)服(fu)(fu)，自上線(xian)起一直以穩健的(de)(de)(de)風控、優(you)質(zhi)(zhi)的(de)(de)(de)資產(chan)端、完(wan)善的(de)(de)(de)線(xian)上線(xian)下O2O創新(xin)(xin)模式專注于服(fu)(fu)務三農，在(zai)“普惠金(jin)(jin)(jin)融”領域獨(du)樹一幟。并且，在(zai)今(jin)年1月(yue)7日(ri)，三農金(jin)(jin)(jin)服(fu)(fu)與中(zhong)國(guo)人(ren)(ren)(ren)民人(ren)(ren)(ren)壽(shou)保險股(gu)份(fen)有限公司正式聯姻，簽署了正式合(he)作(zuo)協議。中(zhong)國(guo)人(ren)(ren)(ren)民人(ren)(ren)(ren)壽(shou)保險股(gu)份(fen)有限公司將為(wei)三農金(jin)(jin)(jin)服(fu)(fu)量身定制多樣(yang)性(xing)險種保障(zhang)(zhang)(zhang)平臺(tai)安(an)全，示雙(shuang)方將著手打造無憂理(li)財(cai)賬(zhang)戶，在(zai)保障(zhang)(zhang)(zhang)資金(jin)(jin)(jin)安(an)全的(de)(de)(de)同時保障(zhang)(zhang)(zhang)理(li)財(cai)者的(de)(de)(de)人(ren)(ren)(ren)身安(an)全，為(wei)理(li)財(cai)賬(zhang)戶及(ji)理(li)財(cai)著人(ren)(ren)(ren)身安(an)全投保。此(ci)外，雙(shuang)方也將攜(xie)手整合(he)優(you)質(zhi)(zhi)資產(chan)端，在(zai)三農信用(yong)貸(dai)、個人(ren)(ren)(ren)貸(dai)、企業貸(dai)等業務方面展開深化(hua)合(he)作(zuo)，對(dui)借貸(dai)項目進行保障(zhang)(zhang)(zhang)，最大程度(du)上將理(li)財(cai)資金(jin)(jin)(jin)風險降低為(wei)零。更多最新(xin)(xin)數(shu)據分析、、市(shi)場調(diao)研、行業分析請(qing)訪問(wen)《》。