（五）推(tui)動業(ye)(ye)(ye)務(wu)(wu)(wu)結構(gou)持續優(you)化(hua)(hua)。鼓勵(li)發(fa)(fa)展(zhan)滿足(zu)消(xiao)費(fei)者需求、體(ti)現保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)核(he)心優(you)勢、提(ti)高公司價值和(he)效益的業(ye)(ye)(ye)務(wu)(wu)(wu)。人身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)要大(da)力(li)發(fa)(fa)展(zhan)長期儲(chu)蓄型(xing)和(he)風險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障型(xing)業(ye)(ye)(ye)務(wu)(wu)(wu)，穩步發(fa)(fa)展(zhan)投資型(xing)業(ye)(ye)(ye)務(wu)(wu)(wu)。財(cai)產(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)要優(you)化(hua)(hua)車(che)險(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)(wu)(wu)，積(ji)(ji)極開拓非車(che)險(xian)(xian)(xian)業(ye)(ye)(ye)務(wu)(wu)(wu)，加大(da)服務(wu)(wu)(wu)低碳經濟(ji)和(he)戰略性新(xin)興(xing)產(chan)(chan)業(ye)(ye)(ye)的產(chan)(chan)品創(chuang)新(xin)力(li)度，積(ji)(ji)極發(fa)(fa)展(zhan)綠(lv)色保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、科技保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、文化(hua)(hua)產(chan)(chan)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)等新(xin)興(xing)業(ye)(ye)(ye)務(wu)(wu)(wu)。繼續穩步推(tui)進保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)條款(kuan)費(fei)率市場化(hua)(hua)，以(yi)市場化(hua)(hua)手段促(cu)(cu)進保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)(ye)發(fa)(fa)展(zhan)方(fang)式(shi)轉(zhuan)變。鼓勵(li)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司探索符合自身實(shi)際(ji)的營銷(xiao)模式(shi)，推(tui)進銀(yin)行(xing)代理(li)渠道專業(ye)(ye)(ye)化(hua)(hua)轉(zhuan)型(xing)，促(cu)(cu)進個人代理(li)渠道優(you)化(hua)(hua)升級，深化(hua)(hua)與專業(ye)(ye)(ye)中介(jie)渠道合作(zuo)，規(gui)范發(fa)(fa)展(zhan)交叉銷(xiao)售，探索與規(gui)范發(fa)(fa)展(zhan)電話、網絡等新(xin)興(xing)銷(xiao)售渠道，構(gou)建(jian)高效可控的多元(yuan)化(hua)(hua)銷(xiao)售體(ti)系(xi)，提(ti)升服務(wu)(wu)(wu)的專業(ye)(ye)(ye)化(hua)(hua)、規(gui)范化(hua)(hua)和(he)標(biao)準化(hua)(hua)水平。

　　（六）優化資(zi)產負(fu)債管理。建立(li)資(zi)產管理和負(fu)債管理的(de)聯動(dong)(dong)(dong)協(xie)調機制，促進保(bao)(bao)(bao)險(xian)業(ye)務(wu)和投資(zi)業(ye)務(wu)協(xie)調發展。整(zheng)合保(bao)(bao)(bao)險(xian)產業(ye)鏈(lian)，支持保(bao)(bao)(bao)險(xian)資(zi)金(jin)投資(zi)養(yang)老實(shi)體、醫療機構、汽(qi)車服務(wu)等相(xiang)關機構股權。加強保(bao)(bao)(bao)險(xian)資(zi)產戰略配置(zhi)，適(shi)時調整(zheng)保(bao)(bao)(bao)險(xian)資(zi)金(jin)投資(zi)政策(ce)，穩定和提(ti)(ti)高投資(zi)收益(yi)。在(zai)風(feng)險(xian)可控的(de)前提(ti)(ti)下，穩步推動(dong)(dong)(dong)保(bao)(bao)(bao)險(xian)資(zi)金(jin)投資(zi)不動(dong)(dong)(dong)產、未上市(shi)股權和戰略性新興產業(ye)，不斷拓寬保(bao)(bao)(bao)險(xian)資(zi)金(jin)運用的(de)渠道和范圍，鼓勵開展資(zi)產管理產品創新。在(zai)實(shi)現分散投資(zi)風(feng)險(xian)、提(ti)(ti)高投資(zi)收益(yi)目(mu)標的(de)同(tong)時，積極參與金(jin)融市(shi)場建設，在(zai)證券承銷、市(shi)場培育等方(fang)面發揮應有作(zuo)用。

　　（七）積(ji)極發展(zhan)(zhan)保(bao)(bao)(bao)險(xian)(xian)中介市(shi)場(chang)。優化保(bao)(bao)(bao)險(xian)(xian)中介市(shi)場(chang)格局(ju)，鼓勵(li)保(bao)(bao)(bao)險(xian)(xian)代理(li)、經紀(ji)、公(gong)估機構(gou)向專(zhuan)業(ye)領域(yu)深化發展(zhan)(zhan)，提高中介機構(gou)服務保(bao)(bao)(bao)險(xian)(xian)消費者的能力。支持具備(bei)條件的保(bao)(bao)(bao)險(xian)(xian)中介機構(gou)實施集(ji)團化改革(ge)，積(ji)極推動專(zhuan)屬保(bao)(bao)(bao)險(xian)(xian)代理(li)機構(gou)和(he)保(bao)(bao)(bao)險(xian)(xian)銷售公(gong)司的建立和(he)發展(zhan)(zhan)，促進汽車服務企業(ye)、銀行等金融機構(gou)代理(li)保(bao)(bao)(bao)險(xian)(xian)業(ye)務的專(zhuan)業(ye)化、規模化、規范(fan)化發展(zhan)(zhan)。

　　（八）大(da)力發展再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)市(shi)場(chang)。統籌直保(bao)(bao)(bao)市(shi)場(chang)與再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)市(shi)場(chang)的(de)協調發展，樹立科(ke)學(xue)分(fen)保(bao)(bao)(bao)理念，充分(fen)發揮(hui)再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)在促進行(xing)業(ye)(ye)轉(zhuan)型升級，轉(zhuan)變發展方式中(zhong)的(de)支持(chi)作用，實現再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)和分(fen)保(bao)(bao)(bao)良性互(hu)動。加強國(guo)際交流與合(he)作，合(he)理利用國(guo)際再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)市(shi)場(chang)，確保(bao)(bao)(bao)風險(xian)有效分(fen)散，擴大(da)我(wo)國(guo)保(bao)(bao)(bao)險(xian)市(shi)場(chang)的(de)承保(bao)(bao)(bao)能力。加大(da)再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)技術引進力度，加快再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)業(ye)(ye)務創新發展，提升風險(xian)管理水平，探(tan)索發展非傳統再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)業(ye)(ye)務。加快推(tui)動建立國(guo)家政策支持(chi)的(de)農業(ye)(ye)再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)體系(xi)和地震(zhen)、洪水等巨災風險(xian)再(zai)(zai)(zai)(zai)保(bao)(bao)(bao)險(xian)體系(xi)。

第(di)三章(zhang) 挖(wa)潛擴面 大力提升保險服務能力

　　深入(ru)挖掘市場資源(yuan)潛力(li)(li)，不(bu)斷擴(kuo)大(da)保(bao)險(xian)覆(fu)蓋面(mian)，更加注重(zhong)增強自主創新(xin)(xin)能(neng)力(li)(li)，更加注重(zhong)培育新(xin)(xin)的業務(wu)增長點，更加注重(zhong)提(ti)供誠信優(you)質保(bao)險(xian)服務(wu)，在服務(wu)國家經濟(ji)發展戰略調整、改善(shan)民生和公共管理體系建設等方面(mian)實(shi)現新(xin)(xin)突(tu)破。

　　（九(jiu)）服(fu)(fu)務(wu)(wu)(wu)經(jing)濟(ji)結(jie)構戰略性(xing)調(diao)整。服(fu)(fu)務(wu)(wu)(wu)擴大(da)(da)內需戰略，大(da)(da)力發(fa)展(zhan)(zhan)個人壽險(xian)(xian)、健康保(bao)(bao)險(xian)(xian)、養老(lao)保(bao)(bao)險(xian)(xian)，以(yi)及與住(zhu)房、汽車(che)等(deng)消(xiao)費有關的保(bao)(bao)險(xian)(xian)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)，穩定居民預期，促進消(xiao)費增長。大(da)(da)力發(fa)展(zhan)(zhan)出口信(xin)用保(bao)(bao)險(xian)(xian)和航運保(bao)(bao)險(xian)(xian)，支(zhi)持(chi)國(guo)(guo)內企(qi)業(ye)(ye)(ye)(ye)(ye)擴大(da)(da)出口和開拓國(guo)(guo)際市場，促進對(dui)外貿(mao)易和投資(zi)。配(pei)合國(guo)(guo)家(jia)(jia)產(chan)業(ye)(ye)(ye)(ye)(ye)振興(xing)規劃(hua)，支(zhi)持(chi)保(bao)(bao)險(xian)(xian)資(zi)金在風險(xian)(xian)可控條件下投資(zi)國(guo)(guo)家(jia)(jia)基礎(chu)產(chan)業(ye)(ye)(ye)(ye)(ye)、重(zhong)點工程(cheng)建設(she)和新(xin)興(xing)產(chan)業(ye)(ye)(ye)(ye)(ye)建設(she)，大(da)(da)力開展(zhan)(zhan)企(qi)業(ye)(ye)(ye)(ye)(ye)財產(chan)保(bao)(bao)險(xian)(xian)、建筑工程(cheng)保(bao)(bao)險(xian)(xian)等(deng)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)。支(zhi)持(chi)中小企(qi)業(ye)(ye)(ye)(ye)(ye)穩定經(jing)營，創新(xin)保(bao)(bao)險(xian)(xian)產(chan)品和承保(bao)(bao)模式。服(fu)(fu)務(wu)(wu)(wu)國(guo)(guo)家(jia)(jia)創新(xin)型戰略，積極推進科技保(bao)(bao)險(xian)(xian)發(fa)展(zhan)(zhan)，為產(chan)業(ye)(ye)(ye)(ye)(ye)升級和技術創新(xin)提(ti)供保(bao)(bao)險(xian)(xian)保(bao)(bao)障。建立國(guo)(guo)產(chan)首臺首套裝備的保(bao)(bao)險(xian)(xian)風險(xian)(xian)補償(chang)機制(zhi)，逐步推廣運用，促進企(qi)業(ye)(ye)(ye)(ye)(ye)創新(xin)和科技成(cheng)果產(chan)業(ye)(ye)(ye)(ye)(ye)化。

　　（十）服(fu)務社會主義新農(nong)村建設。不斷完善制(zhi)度(du)措施，加大(da)政策(ce)支(zhi)持力(li)(li)(li)度(du)，大(da)力(li)(li)(li)發展農(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，擴(kuo)大(da)種(zhong)植(zhi)業(ye)(ye)(ye)(ye)、養(yang)殖業(ye)(ye)(ye)(ye)、畜牧業(ye)(ye)(ye)(ye)和(he)林業(ye)(ye)(ye)(ye)等農(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)保(bao)(bao)障(zhang)范圍和(he)覆蓋區域，認真落實國家農(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)保(bao)(bao)費補貼政策(ce)。積極開辦水利工程等農(nong)業(ye)(ye)(ye)(ye)基礎設施保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)務，增強農(nong)業(ye)(ye)(ye)(ye)生(sheng)(sheng)產抗風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)能力(li)(li)(li)。探(tan)索具(ju)有地方(fang)特色的涉農(nong)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)試點，積極發展農(nong)村小(xiao)額信貸保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。創新農(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)經營組織形式，推(tui)動(dong)(dong)農(nong)村相互保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)試點。積極開展農(nong)房保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、農(nong)機保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)等保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)務，大(da)力(li)(li)(li)推(tui)動(dong)(dong)農(nong)村小(xiao)額人身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)發展，開展農(nong)民養(yang)老(lao)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，為(wei)農(nong)民生(sheng)(sheng)產生(sheng)(sheng)活(huo)提供風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)保(bao)(bao)障(zhang)。

　　（十一）參加多層次社會保障體系建設。滿足人民群眾日益增長的多樣化、多層次保險保障需求，大力發展商業養老保險和健康保險等保險業務。大力拓展企業年金業務，支持有條件的企業建立商業養老保障計劃，提高員工保障水平，探索個人養老年金保險業務，拓寬商業養老保險服務領域。加快推動個人稅延型養老保險試點工作，不斷完善政策，逐步擴大試點范圍。積極參與國家醫藥衛生體制改革，探索運用股權投資、戰略合作等多種方式，參與公立醫院改制和設立醫療機構。配合城鎮職工、居民基本醫療保障和新農村合作醫療保障體系建設，大力開發各類補充醫療、疾病保險和失能收入損失保險等產品，設計適應老年人需要的護理保險，積極推進健康保險與健康管理相結合，為廣大人民群眾提供豐富多樣的健康保障服務。積極穩妥參與基本醫療保障經辦管理服務。支持符合條件的保險機構投資養老保險服務產業。探索保險資金參與保障房建設的實現途徑，在試點基礎上逐步推進，為提高居民住房保障水平發揮積極作用。