“新国十条”与保险业“生态环境”建设

The “10 New Points by the State Council” and the Construction of the Insurance “Eco-environment”

"新国十条"作为我国现代保险服务业的顶层制度设计,一经颁布便在不同层面掀起了学习、解读的热潮。"新国十条"不但在促进行业发展、提升行业服务能力等方面提供了强有力的政策依据,而且在微观领域释放出了重大政策红利。但是,由于主体所处地位与行业的不同,社会各界在学习领会"新国十条"时切入角度均不同,但却都表现为对新政条款内容的微观解构分析,缺乏宏观层面的把握。因此,本文将从更为宏观的保险行业生态建设角度出发,在理清保险业"生态环境"含义的基础上,解读"新国十条"在保险业"生态环境"建设方面的政策指向,而这也是"新国十条"最根本的题中之义。

The ＂10 New Points by the State Council＂is the top-level design of China＇ s modern insurance service industry. Once being issued,it has evoked waves of enthusiasm of studying and interpretationthe document atdiffer- ent social levels. This guiding policy not only provides powerful policy support fordevelopmentand service capability enhancement of the insurance industry, but also releases significant policy dividends in micro fields. Different sectors of societyinterprete the policy from diverse angles in line with their social standings and industries. However, most of these interpretations are limited to micro analysis of the document＇ s clauses failing to graspthe big picture. Therefore, this paper studied the document from a macro-perspective, the construction of the insurance industry＇ s eco-system. After clarifying the connotation of theinsurance industry＇ s eco-environment, weexplained the new document＇ sguidance on how to construct it which was the key purpose of the document.