Promote the high-quality development of green insurance The State Administration of Financial Supervision has put forward two stage goals and 12 key tasks

CNR, Beijing, April 25 (Reporter Feng Fang) Recently, the State Administration of Financial Supervision issued the "Guiding Opinions on Promoting the High-quality Development of Green Insurance" (hereinafter referred to as the "Guiding Opinions"), aiming to give full play to the important role of insurance in promoting the comprehensive green transformation of economic and social development, and actively and steadily help carbon peak and carbon neutrality.

Two stage goals and 12 key tasks were proposed

"Through the survey, we found that the understanding of market players on the principles, goals and tasks of green insurance development still needs to be further unified, and policy guidance and support are urgently needed in promoting development direction, incentive and restraint policies, supervision and evaluation systems, and information sharing mechanisms. The person in charge of the relevant department of the State Administration of Financial Supervision said that the "Guiding Opinions" clarified the basic principles of promoting the high-quality development of green insurance from four aspects: adhering to the system concept, seeking progress while maintaining stability, adhering to demonstration and guidance, key breakthroughs, adhering to innovation-driven, digital empowerment, and adhering to collaborative promotion and open cooperation, and established the main objectives of the two stages.

The first stage is that by 2027, the green insurance policy support system will be relatively perfect, the service system will be initially established, the risk reduction service and management mechanism will be optimized, the product service innovation ability will be enhanced, and a number of typical green insurance service models will be formed, and the growth rate of green insurance risk protection and green investment of insurance funds will be higher than the overall growth rate of the industry, and the role of promoting the green transformation of the economy and society will be enhanced.

The second stage is that by 2030, the development of green insurance will make important progress, the service system will be basically sound, and it will become an important financial means to help the comprehensive green transformation of the economy and society, the level of green insurance risk protection and the scale of green investment in insurance funds will be significantly improved, the satisfaction and recognition of green insurance from all walks of life will be significantly improved, and the market influence of green insurance development will be significantly enhanced.

According to the person in charge, the "Guiding Opinions" focus on the liability side and the investment side, and put forward a total of 12 key tasks. The "Guiding Opinions" put forward 9 key tasks from the debt side, including improving the ability of society to cope with climate change, ensuring green and low-carbon technological innovation, promoting green and low-carbon energy transformation, promoting the consolidation and improvement of carbon sink capacity, supporting green and low-carbon national actions, improving the level of environmental pollution prevention and control of enterprises, serving the development of green and low-carbon and green manufacturing projects in the industrial field, promoting energy conservation, carbon reduction and efficiency improvement in urban and rural construction, and helping the green and low-carbon development of transportation, etc., aiming to improve the insurance protection and service level in key areas. The "Guiding Opinions" put forward three key tasks from the investment side, involving improving the green investment management system, strengthening the green development support of insurance funds, and strengthening the management of green investment processes, aiming to strengthen the green investment support of insurance funds. ”

Strengthen green insurance protection in key areas

The above-mentioned person in charge said that in terms of insurance protection, the "Guiding Opinions" encourage insurance companies to actively focus on serving the comprehensive green transformation of economic and social development, focus on key areas and key industries of ecological civilization construction and provide targeted risk protection solutions, and escort the high-quality development of ecological priority and green and low-carbon. The main framework of the key tasks of green insurance protection comes from the classification of key areas of green development in the "Ten Actions for Carbon Peaking Before 2030" issued by the State Council.

In order to improve the ability of society to cope with climate change, the "Guiding Opinions" proposes to accelerate the development of climate insurance, increase the risk protection of climate investment and financing pilot areas, and serve the national strategy to respond to climate change. Promote the development of catastrophe insurance, expand the coverage of catastrophe insurance, use reinsurance to effectively diversify risks, study and explore new risk transfer methods such as catastrophe bonds to broaden risk diversification channels, promote the formation of a multi-level and multi-dimensional catastrophe risk diversification system, and improve the industry's catastrophe risk bearing capacity. The insurance industry should strengthen risk protection for public infrastructure, urban housing, rural housing, and personnel, and actively respond to natural disasters. Orderly development of meteorological index insurance, innovation of "insurance + meteorology" service mechanism.

For improving the level of environmental pollution prevention and control of enterprises, the "Guiding Opinions" proposes to promote the environmental pollution liability insurance business of high-risk environmental business units involving heavy metals, petrochemicals, hazardous chemicals, hazardous wastes and other environmental high-risk business units in accordance with the law, encourage all localities to establish and improve the environmental pollution liability insurance system, and improve the level of environmental risk protection in the process of land change, withdrawal and redevelopment of industrial and mining enterprises. Actively develop ship pollution damage liability insurance, road dangerous goods transport carrier liability insurance, occupational disease liability insurance and other businesses, and improve the level of environmental risk protection in the production, storage, transportation and other links of enterprises. Explore and carry out insurance business for progressive pollution and ecological and environmental damage.

In addition, the "Guiding Opinions" proposes to ensure green and low-carbon scientific and technological innovation, continue to promote green equipment, materials, software and other related scientific and technological insurance innovation, and provide risk protection for technology research and development, equipment manufacturing, use and operation and maintenance. Promote the green and low-carbon transformation of energy, and provide full life cycle insurance protection for the risk characteristics of the production, construction and operation of energy industries such as solar energy, wind power, hydropower, and nuclear power.

Take multiple measures to ensure implementation

In terms of job security, the "Guiding Opinions" mainly put forward safeguard measures from multiple levels such as insurance institutions, the insurance industry, and supervision.

The "Guiding Opinions" focus on insurance institutions, and put forward requirements from four aspects: strengthening the main responsibility, increasing resource investment, improving risk control capabilities, and improving the service system, so as to effectively strengthen the support of green insurance operation and management capabilities of industry entities. For example, the "Guiding Opinions" require all insurance companies to establish a working mechanism conducive to green insurance innovation, improve the internal control system and assessment system of green insurance, and continue to promote the innovation of green insurance products and services;

The "Guiding Opinions" strengthens regulatory guidance, improves policy measures in terms of solvency calculation rules, insurance fund utilization policies, product filing management, and relevant systems and norms in business fields, continuously improves regulatory requirements in statistical analysis, strengthens positive incentives such as regulatory evaluation systems, and effectively enhances policy support for the development of green insurance.

The "Guiding Opinions" promote cooperation and synergy, and require the Insurance Association, the Insurance Asset Management Association, the Insurance Institute, the Actuary Association, the China Banking and Insurance Credit Company and the Shanghai Insurance Exchange to give full play to their own functions, strengthen industry and cross-industry exchanges and cooperation, and jointly serve the overall development of green insurance.

The "Guiding Opinions" emphasize deepening cooperation, requiring the whole industry to strengthen communication and coordination with various business authorities and local government departments, actively strive for policy support, and create a multi-level, wide-coverage and differentiated green insurance development system.

In addition, the "Guiding Opinions" also emphasize publicity and exchanges, requiring industry self-regulatory organizations to strengthen the dissemination of green insurance concepts and policies, create a good environment conducive to the development of green insurance, and require the industry to strengthen exchanges and cooperation with green industry enterprises, research institutions and other organizations, actively carry out foreign cooperation and exchanges, promote the joint construction of systems, guidelines and standards, and jointly promote green and low-carbon development.

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