（十(shi)二）參(can)與(yu)公(gong)(gong)共服務和社會管理創(chuang)新。繼續通過市場運作、政策引導、政府推動的(de)方(fang)式(shi)，加快發展與(yu)公(gong)(gong)眾利益密切(qie)相關(guan)的(de)環境(jing)污(wu)染責(ze)任、公(gong)(gong)眾安(an)全(quan)(quan)責(ze)任、安(an)全(quan)(quan)生產責(ze)任、校園方(fang)責(ze)任、旅行社責(ze)任、產品質量責(ze)任、建(jian)(jian)(jian)(jian)(jian)筑工程(cheng)質量責(ze)任等責(ze)任保(bao)(bao)險(xian)，輔助政府創(chuang)新公(gong)(gong)共服務方(fang)式(shi)。積極發展醫療執業保(bao)(bao)險(xian)，促進建(jian)(jian)(jian)(jian)(jian)立和諧醫患關(guan)系。進一步完(wan)善(shan)交(jiao)強險(xian)制度，協調改(gai)善(shan)交(jiao)強險(xian)外部(bu)經營環境(jing)。進一步完(wan)善(shan)和發揮車(che)險(xian)聯(lian)合信息平臺的(de)作用，充(chong)分(fen)利用差(cha)別費率和價格杠桿，促進平安(an)交(jiao)通建(jian)(jian)(jian)(jian)(jian)設(she)。創(chuang)新社會治(zhi)安(an)保(bao)(bao)險(xian)，參(can)與(yu)構建(jian)(jian)(jian)(jian)(jian)完(wan)善(shan)社會治(zhi)安(an)防控體系。研究(jiu)推動國家(jia)政策支持的(de)巨災(zai)保(bao)(bao)險(xian)體系建(jian)(jian)(jian)(jian)(jian)設(she)，建(jian)(jian)(jian)(jian)(jian)立自(zi)然災(zai)害風險(xian)分(fen)散轉移(yi)和補償(chang)救助機制。

第四章 科學監管 切實增強風險防范能力

　　充分發(fa)揮保(bao)險(xian)(xian)機構(gou)風(feng)險(xian)(xian)防(fang)范的主體作用(yong)和(he)保(bao)險(xian)(xian)監(jian)管(guan)的主導(dao)作用(yong)，夯實(shi)微觀(guan)審慎監(jian)管(guan)基礎，構(gou)建(jian)宏(hong)觀(guan)審慎監(jian)管(guan)制度框架，建(jian)立健全系統性風(feng)險(xian)(xian)防(fang)范體系，著力防(fang)范重點(dian)領域風(feng)險(xian)(xian)，確保(bao)市(shi)場(chang)健康穩定安全發(fa)展。

　　（十三(san)）建(jian)立(li)保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)全(quan)面風(feng)(feng)險(xian)(xian)(xian)管(guan)理(li)(li)體系(xi)。保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)牢固(gu)樹立(li)穩健(jian)經(jing)營理(li)(li)念(nian)，構(gou)建(jian)全(quan)面覆蓋、全(quan)程(cheng)管(guan)理(li)(li)和(he)全(quan)員參與的(de)風(feng)(feng)險(xian)(xian)(xian)管(guan)理(li)(li)體系(xi)，強(qiang)化落(luo)實(shi)保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)董事會(hui)和(he)高(gao)級管(guan)理(li)(li)人員風(feng)(feng)險(xian)(xian)(xian)的(de)管(guan)控(kong)責任，切實(shi)提(ti)高(gao)單家保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)的(de)穩健(jian)性(xing)。應用現(xian)代風(feng)(feng)險(xian)(xian)(xian)管(guan)理(li)(li)技術，建(jian)立(li)保(bao)(bao)險(xian)(xian)(xian)風(feng)(feng)險(xian)(xian)(xian)監(jian)測(ce)指標體系(xi)，開展動態風(feng)(feng)險(xian)(xian)(xian)監(jian)測(ce)，形成完善(shan)的(de)企業內(nei)部(bu)風(feng)(feng)險(xian)(xian)(xian)識別、預警、監(jian)測(ce)、評估(gu)(gu)和(he)處置(zhi)的(de)機(ji)制。完善(shan)內(nei)控(kong)制度、標準與流(liu)程(cheng)，定(ding)期(qi)開展內(nei)控(kong)評估(gu)(gu)，加強(qiang)內(nei)控(kong)監(jian)督，提(ti)高(gao)內(nei)控(kong)水平(ping)，增(zeng)強(qiang)內(nei)控(kong)執行力，有效(xiao)防范(fan)內(nei)部(bu)風(feng)(feng)險(xian)(xian)(xian)。加強(qiang)保(bao)(bao)險(xian)(xian)(xian)集團公司內(nei)部(bu)風(feng)(feng)險(xian)(xian)(xian)隔(ge)離機(ji)制建(jian)設(she)，規范(fan)各(ge)種形式的(de)內(nei)部(bu)交(jiao)易，防止風(feng)(feng)險(xian)(xian)(xian)高(gao)度聚集和(he)相互傳遞(di)。

　　（十四(si)）切(qie)實增強(qiang)保(bao)險(xian)監(jian)(jian)(jian)管(guan)(guan)約束力(li)(li)(li)和(he)有(you)(you)效(xiao)性(xing)。繼續強(qiang)化(hua)(hua)(hua)以(yi)(yi)公司(si)(si)治(zhi)(zhi)理(li)和(he)內(nei)(nei)控為(wei)(wei)(wei)基礎、以(yi)(yi)償付能(neng)力(li)(li)(li)為(wei)(wei)(wei)核心、以(yi)(yi)現場檢(jian)查(cha)(cha)(cha)為(wei)(wei)(wei)重要手段(duan)、以(yi)(yi)資(zi)(zi)(zi)金(jin)運用(yong)監(jian)(jian)(jian)管(guan)(guan)為(wei)(wei)(wei)關鍵環(huan)節、以(yi)(yi)保(bao)險(xian)保(bao)障(zhang)(zhang)基金(jin)為(wei)(wei)(wei)屏障(zhang)(zhang)的(de)(de)“五(wu)道(dao)防線”。借鑒(jian)國際金(jin)融(rong)監(jian)(jian)(jian)管(guan)(guan)改(gai)革的(de)(de)有(you)(you)益經驗，堅持宏觀(guan)審慎(shen)監(jian)(jian)(jian)管(guan)(guan)和(he)微(wei)觀(guan)審慎(shen)監(jian)(jian)(jian)管(guan)(guan)并(bing)重的(de)(de)原則(ze)，在(zai)進一步(bu)完(wan)善(shan)微(wei)觀(guan)審慎(shen)監(jian)(jian)(jian)管(guan)(guan)的(de)(de)同時，建(jian)立宏觀(guan)審慎(shen)保(bao)險(xian)監(jian)(jian)(jian)管(guan)(guan)框架，研究(jiu)運用(yong)宏觀(guan)審慎(shen)監(jian)(jian)(jian)管(guan)(guan)工具(ju)，構建(jian)系統性(xing)風(feng)(feng)(feng)險(xian)防范體(ti)系。逐(zhu)步(bu)健全符(fu)合中國國情的(de)(de)償付能(neng)力(li)(li)(li)監(jian)(jian)(jian)管(guan)(guan)體(ti)系，強(qiang)化(hua)(hua)(hua)資(zi)(zi)(zi)本補充和(he)約束機制(zhi)(zhi)(zhi)(zhi)，完(wan)善(shan)償付能(neng)力(li)(li)(li)監(jian)(jian)(jian)管(guan)(guan)標準(zhun)，逐(zhu)步(bu)推行(xing)(xing)與國際接軌的(de)(de)風(feng)(feng)(feng)險(xian)資(zi)(zi)(zi)本制(zhi)(zhi)(zhi)(zhi)度；健全以(yi)(yi)風(feng)(feng)(feng)險(xian)為(wei)(wei)(wei)導向的(de)(de)分類監(jian)(jian)(jian)管(guan)(guan)制(zhi)(zhi)(zhi)(zhi)度，形成上下(xia)聯動的(de)(de)分類監(jian)(jian)(jian)管(guan)(guan)體(ti)系。大力(li)(li)(li)提(ti)高公司(si)(si)落實治(zhi)(zhi)理(li)監(jian)(jian)(jian)管(guan)(guan)制(zhi)(zhi)(zhi)(zhi)度的(de)(de)執(zhi)行(xing)(xing)力(li)(li)(li)，不斷(duan)強(qiang)化(hua)(hua)(hua)對董事、監(jian)(jian)(jian)事和(he)高級(ji)管(guan)(guan)理(li)人員(yuan)的(de)(de)履職監(jian)(jian)(jian)督，進一步(bu)完(wan)善(shan)公司(si)(si)治(zhi)(zhi)理(li)監(jian)(jian)(jian)管(guan)(guan)制(zhi)(zhi)(zhi)(zhi)度和(he)標準(zhun)，增強(qiang)公司(si)(si)治(zhi)(zhi)理(li)監(jian)(jian)(jian)管(guan)(guan)的(de)(de)操作(zuo)性(xing)和(he)有(you)(you)效(xiao)性(xing)。加大保(bao)險(xian)市(shi)場秩序整頓規范力(li)(li)(li)度，統一行(xing)(xing)政執(zhi)法(fa)(fa)行(xing)(xing)為(wei)(wei)(wei)標準(zhun)，完(wan)善(shan)現場檢(jian)查(cha)(cha)(cha)、非現場檢(jian)查(cha)(cha)(cha)和(he)行(xing)(xing)政處罰(fa)工作(zuo)機制(zhi)(zhi)(zhi)(zhi)，嚴(yan)厲查(cha)(cha)(cha)處違(wei)法(fa)(fa)違(wei)規經營行(xing)(xing)為(wei)(wei)(wei)，嚴(yan)懲商業賄(hui)賂(lu)行(xing)(xing)為(wei)(wei)(wei)，配合有(you)(you)關部門打擊以(yi)(yi)保(bao)險(xian)為(wei)(wei)(wei)名的(de)(de)洗(xi)錢、非法(fa)(fa)集(ji)資(zi)(zi)(zi)等違(wei)法(fa)(fa)犯罪活動，強(qiang)化(hua)(hua)(hua)落實案(an)件責任追(zhui)究(jiu)制(zhi)(zhi)(zhi)(zhi)度。加強(qiang)保(bao)險(xian)資(zi)(zi)(zi)金(jin)運用(yong)監(jian)(jian)(jian)管(guan)(guan)，防范投資(zi)(zi)(zi)風(feng)(feng)(feng)險(xian)。強(qiang)化(hua)(hua)(hua)對保(bao)險(xian)集(ji)團公司(si)(si)綜合經營風(feng)(feng)(feng)險(xian)隔離制(zhi)(zhi)(zhi)(zhi)度執(zhi)行(xing)(xing)的(de)(de)監(jian)(jian)(jian)督，嚴(yan)肅查(cha)(cha)(cha)處違(wei)法(fa)(fa)違(wei)規內(nei)(nei)部交易；推進并(bing)表監(jian)(jian)(jian)管(guan)(guan)，加強(qiang)與其他(ta)金(jin)融(rong)監(jian)(jian)(jian)管(guan)(guan)部門的(de)(de)協(xie)調合作(zuo)，有(you)(you)效(xiao)防范監(jian)(jian)(jian)管(guan)(guan)套利風(feng)(feng)(feng)險(xian)。強(qiang)化(hua)(hua)(hua)信息披露監(jian)(jian)(jian)管(guan)(guan)，提(ti)高公司(si)(si)內(nei)(nei)部管(guan)(guan)理(li)和(he)外部監(jian)(jian)(jian)管(guan)(guan)的(de)(de)透明度，進一步(bu)增強(qiang)市(shi)場約束。順應保(bao)險(xian)創(chuang)新發展需要，不斷(duan)探索行(xing)(xing)之有(you)(you)效(xiao)的(de)(de)監(jian)(jian)(jian)管(guan)(guan)方式和(he)手段(duan)。

　　（十五）建立健全有效的風險防范化解機制。加強對宏觀形勢研判和風險識別預警，完善風險監測和報告制度，重點防范償付能力不足風險、保險投資風險、流動性風險和壽險退保風險，提高防范風險的預見性。根據不同風險類別，科學制定持續恢復和風險處置方案，有針對性地采取限制、整頓、接管、撤銷、關閉和破產等相關措施，確保保險消費者合法權益不受損害，維護保險市場穩定。規范保險公司重組、并購等行為，建立健全規范有序的業務轉讓實施程序。科學界定市場退出的條件和標準，實行穩妥的市場退出方式。通過實施市場退出機制，實現優勝劣汰，促進市場優化組合，提高市場配置資源效率。建立健全保險保障基金救助和融資機制，提高基金籌集、管理和使用效率，不斷積累和擴大保險保障基金規模，進一步增強行業抵御風險的保障能力。