——風(feng)(feng)(feng)險(xian)防范能力(li)顯著提升。保(bao)險(xian)業資本(ben)(ben)補充(chong)(chong)機(ji)制逐步(bu)(bu)完(wan)善(shan)(shan)，資本(ben)(ben)實力(li)明顯增強(qiang)，償(chang)付能力(li)整體(ti)(ti)(ti)充(chong)(chong)足，系(xi)統性風(feng)(feng)(feng)險(xian)得到有(you)效(xiao)防范。保(bao)險(xian)機(ji)構(gou)治(zhi)理結構(gou)和(he)內(nei)控機(ji)制進(jin)(jin)(jin)一步(bu)(bu)完(wan)善(shan)(shan)，全(quan)面覆蓋、全(quan)程管(guan)理、全(quan)員參與(yu)的全(quan)面風(feng)(feng)(feng)險(xian)管(guan)理體(ti)(ti)(ti)系(xi)有(you)效(xiao)建立(li)，在(zai)防范風(feng)(feng)(feng)險(xian)中(zhong)充(chong)(chong)分發(fa)揮主體(ti)(ti)(ti)作用(yong)。以償(chang)付能力(li)、公司治(zhi)理和(he)市場(chang)行為(wei)監(jian)管(guan)為(wei)支柱的現(xian)代保(bao)險(xian)監(jian)管(guan)體(ti)(ti)(ti)系(xi)不斷(duan)完(wan)善(shan)(shan)，動態(tai)償(chang)付能力(li)監(jian)管(guan)體(ti)(ti)(ti)系(xi)進(jin)(jin)(jin)一步(bu)(bu)健全(quan)，市場(chang)退出機(ji)制基(ji)本(ben)(ben)建立(li)，保(bao)險(xian)保(bao)障基(ji)金(jin)參與(yu)風(feng)(feng)(feng)險(xian)處(chu)置(zhi)(zhi)的重要作用(yong)充(chong)(chong)分發(fa)揮。保(bao)險(xian)業風(feng)(feng)(feng)險(xian)識別、防范和(he)預警機(ji)制進(jin)(jin)(jin)一步(bu)(bu)完(wan)善(shan)(shan)，風(feng)(feng)(feng)險(xian)處(chu)置(zhi)(zhi)機(ji)制基(ji)本(ben)(ben)形成。

　　——社(she)會公(gong)信(xin)力顯著(zhu)增(zeng)強(qiang)。社(she)會公(gong)眾對(dui)保(bao)(bao)(bao)險(xian)(xian)的認(ren)可(ke)度和(he)(he)(he)滿(man)意度顯著(zhu)提高，保(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)逐步(bu)成(cheng)為受社(she)會尊重和(he)(he)(he)信(xin)賴的金(jin)融(rong)服(fu)務行業(ye)(ye)。保(bao)(bao)(bao)險(xian)(xian)信(xin)用體(ti)(ti)(ti)系(xi)初步(bu)建立，誠(cheng)(cheng)信(xin)文化(hua)體(ti)(ti)(ti)系(xi)和(he)(he)(he)懲戒失信(xin)機制(zhi)日益完善(shan)，保(bao)(bao)(bao)險(xian)(xian)消(xiao)費投(tou)訴處(chu)理和(he)(he)(he)保(bao)(bao)(bao)護(hu)制(zhi)度進一步(bu)健全，形(xing)成(cheng)科學(xue)有效的保(bao)(bao)(bao)險(xian)(xian)糾紛調處(chu)機制(zhi)和(he)(he)(he)權益保(bao)(bao)(bao)障機制(zhi)，銷售誤導(dao)和(he)(he)(he)理賠(pei)難等問題得到(dao)有效遏制(zhi)，消(xiao)費者利益得到(dao)有效保(bao)(bao)(bao)護(hu)。保(bao)(bao)(bao)險(xian)(xian)企業(ye)(ye)和(he)(he)(he)從業(ye)(ye)人員(yuan)(yuan)誠(cheng)(cheng)信(xin)意識顯著(zhu)增(zeng)強(qiang)，誠(cheng)(cheng)信(xin)理念貫(guan)穿到(dao)企業(ye)(ye)經營的各個環(huan)節(jie)，體(ti)(ti)(ti)現(xian)在從業(ye)(ye)人員(yuan)(yuan)的具體(ti)(ti)(ti)執業(ye)(ye)行為，誠(cheng)(cheng)信(xin)文化(hua)與企業(ye)(ye)文化(hua)深入融(rong)合(he)，服(fu)務更(geng)加(jia)標準、更(geng)加(jia)規范、更(geng)加(jia)優質。

第二章 轉型升級(ji) 提高行業綜合競爭力　　

　　積極推(tui)進保(bao)險業(ye)(ye)由外延式發(fa)展(zhan)向內(nei)涵式發(fa)展(zhan)戰略轉型，大力(li)推(tui)動保(bao)險市場(chang)主體(ti)結(jie)構、區域布局(ju)、業(ye)(ye)務結(jie)構優化(hua)升級(ji)，促進市場(chang)競爭(zheng)從同質化(hua)向差異化(hua)轉變(bian)，充分發(fa)揮比(bi)較優勢，不斷提高發(fa)展(zhan)質量和(he)效益，提升保(bao)險業(ye)(ye)綜(zong)合競爭(zheng)力(li)。

　　（三）鼓(gu)(gu)勵市(shi)(shi)場主(zhu)(zhu)體(ti)多樣化(hua)(hua)發展(zhan)(zhan)(zhan)。堅持高標準和(he)差異(yi)化(hua)(hua)原則(ze)，積極(ji)穩妥推進保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)市(shi)(shi)場體(ti)系建(jian)設(she)。支(zhi)(zhi)持符(fu)合條件的(de)國(guo)有資本(ben)(ben)、民營資本(ben)(ben)和(he)境外資本(ben)(ben)投資保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)，鼓(gu)(gu)勵資本(ben)(ben)多元(yuan)化(hua)(hua)和(he)股(gu)權(quan)多樣化(hua)(hua)。支(zhi)(zhi)持符(fu)合條件的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)規范(fan)上市(shi)(shi)。推動保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集團(tuan)公司(si)進一步(bu)(bu)完善(shan)內部治理，加強(qiang)資源整(zheng)合，依托保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)主(zhu)(zhu)業(ye)(ye)(ye)，促進業(ye)(ye)(ye)務(wu)協同，提高運營透明度。鼓(gu)(gu)勵發展(zhan)(zhan)(zhan)養老、健(jian)康、責任、汽(qi)車和(he)農業(ye)(ye)(ye)等專業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)。探索發展(zhan)(zhan)(zhan)信用保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)專業(ye)(ye)(ye)機構(gou)。積極(ji)支(zhi)(zhi)持中(zhong)小(xiao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)創新發展(zhan)(zhan)(zhan)，形成各有優勢、各具特色的(de)經營模(mo)式(shi)。鼓(gu)(gu)勵區域性保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)健(jian)康發展(zhan)(zhan)(zhan)，規范(fan)發展(zhan)(zhan)(zhan)相互保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)組織(zhi)，試點(dian)(dian)設(she)立(li)自保(bao)(bao)(bao)(bao)(bao)公司(si)，豐富市(shi)(shi)場主(zhu)(zhu)體(ti)組織(zhi)形式(shi)。合理布局保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)市(shi)(shi)場主(zhu)(zhu)體(ti)分支(zhi)(zhi)機構(gou)。支(zhi)(zhi)持符(fu)合條件的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)集團(tuan)、保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司(si)穩步(bu)(bu)開展(zhan)(zhan)(zhan)金(jin)融(rong)綜合經營試點(dian)(dian)，強(qiang)化(hua)(hua)創新服務(wu)和(he)風險(xian)(xian)(xian)(xian)控制(zhi)能力(li)(li)，通過與銀(yin)行業(ye)(ye)(ye)、證券業(ye)(ye)(ye)開展(zhan)(zhan)(zhan)廣泛深入合作，提高綜合金(jin)融(rong)服務(wu)能力(li)(li)與水平(ping)。

　　（四）促進區域、城鄉市場協調發展。根據國家區域發展總體戰略和主體功能區戰略，在輻射功能強、服務范圍廣的特大城市建立國家或區域性保險中心，發揮區位優勢，建立機構聚集、產品研發、技術服務、人才培訓、后援支持等中心。按照統籌規劃、合理布局、突出特色、控制風險的原則，推動保險改革試驗區建設，加大政策支持力度，鼓勵在改革創新的重點領域先行先試，發揮試驗區示范帶動效應。根據城市和農村市場不同特點，實施差異化的產品和經營策略，加大對農村市場的資源投入力度，完善與農村市場相適應的服務體系。支持中西部和東北地區保險市場加快發展。支持東部地區保險市場在加快轉變發展方式、優化結構和自主創新方面率先發展，支持上海國際航運中心和國際金融中心建設。探索建立新型保險交易市場。加大對西藏、新疆等民族地區保險業發展的支持力度。