新华社北京7月17日电（记者吴雨、王文帅）中国保监会17日表示，2012年上半年保险业发展企稳回升，全国实现保费收入8532.3亿元，同比增长5.9%。下半年，保监会将推出一系列新方案、新措施，为保险市场带来新活力。

    Beijing, July 17 (Reuters)（Reporter WuYu、WangWenShuai）The circ 17 said，In the first half of 2012 the insurance industry stabilising development back，The national achieve premium income is 853.23 billion yuan，Year-on-year growth of 5.9%。The second half，The new scheme will roll out a series of circ、The new measures，For insurance market with new vitality。

    在上半年保险监管工作会议上，保监会副主席李克穆介绍，上半年保险市场运行呈现缓中趋稳、稳中向好的特点，保费收入增速较一季度末提升1个百分点，结构调整稳步推进。截至6月底，保险公司总资产6.78万亿元，较年初增长13.3%。

    In the first half of the insurance supervision work conference，Vice President LiKeMu introduced by circ，The insurance market operation in the first half of the present slow stabilised、Stability to the good characteristic，Premium income growth is at the end of the first quarter increased by 1%，Structure adjustment steadily。By the end of June，The insurance company with total assets of 6.78 trillion yuan，Growth of 13.3% for the year。

    此外，保险业整体偿付能力保持稳定，截至二季度末，偿付能力达标公司占公司总数的94.6%，资产总量占行业资产总量的98.2%。部分保险公司偿付能力风险得到化解，目前没有出现系统性和区域性风险。

    In addition，Insurance industry as a whole solvency remain stable，By at the end of the second quarter，The solvency of the company to mark the company 94.6% of the total，Total assets account for 98.2% of the total industry assets。Part of the insurance company solvency risks are addressed，There is no make systematic and regional risk。

    据悉，下半年，保监会将继续推进解决车险理赔难和寿险销售误导问题，建立健全保险市场准入和退出机制，以及推进农业保险、巨灾保险、个人延税型养老保险发展等三项重点工作，并推出一系列新政策、新方案为保险业带来新活力。

    It is reported，The second half，Circ will continue to promote solve difficult and compensate of car sales misleading life insurance，Set up and perfect the insurance market access and withdrawal mechanism，And promote the agricultural insurance、Catastrophe insurance、Personal delay tax model endowment insurance development, three key work，And put out a series of new policies、The new scheme brings new vigor for the insurance industry。

    保监会表示，正研究出台保险公司牌照分级管理制度，争取下半年协调出台《农业保险条例》，并推动税延型养老保险试点方案尽快出台；另外，加快出台车险理赔管理及服务质量监管和评价指标体系、人身保险销售误导行为认定规则、人身保险公司销售误导责任追究指导意见等；此外，进一步强化理赔自律规范，重点推进车险索赔单证、理赔服务时限标准、代位求偿制度以及理赔纠纷处理机制等建设工作。

    Insurance regulatory commission said，The insurance company is on licence classification management system，To coordinate the second half to come《Agricultural insurance regulations》，And promote tax deferred model endowment insurance pilot scheme introduced as soon as possible；In addition，Speed up on car insurance claims management and service quality supervision and evaluation index system、Life insurance sales misguided action that rules、Personal insurance company sale misleading responsibility guidance, etc；In addition，To further enhance the manage compensate autonomy，The focus on car insurance claim for compensation card、Claims service standard time limit、Generation ask for compensation system and manage compensate dispute resolution mechanism and construction work。

    保监会主席项俊波透露，最近，保监会还专题研究了关于保险资金运用的一系列规章制度，近期将推出《保险资产配置管理暂行办法》、《保险资金投资债券暂行办法》、《关于保险资金投资股权和不动产有关问题通知》和《保险资金委托投资管理暂行办法》，进一步放宽保险资金投资债券、股权和不动产的品种、范围和比例的限制，允许保险公司委托有关金融机构进行投资。这次政策调整的主要方向就是推进保险资金运用市场化改革。

    The chairman of the circ XiangJunBo disclosed，recent，Research projects on the circ also insurance funds utilization of a series of rules and regulations，Recently will launch《Insurance interim measures for the administration of asset allocation》、《Insurance funds invest in bonds tentative measures》、《About insurance fund investment in real estate equity and problems related to notice》and《Entrust investment of insurance funds the provisional measures》，Further relax insurance funds invest in bonds、Equity and the estate of the breed、Range and the proportion limit，Allow the insurance company entrust about financial institutions for investment。This time the main direction of policy adjustment is to promote the use of insurance capital market reform。

    此外，守住防范化解风险底线、促进保险业平稳健康发展仍是下半年保监会工作重点。会议指出，下半年监管部门将销售误导作为人身保险的查处重点，对银保、个险和电销渠道开展现场检查；进一步推动保险公司中介业务检查的常规化和制度化，加大对违法违规行为的处罚；与此同时，将电销业务纳入寿险日常监管，并发布保险销售人员监管办法，实施保险代理、经纪公司互联网保险业务网上备案制度等。

    In addition，Keep prevent and eliminate risk the bottom line、Promoting the healthy development of the second half is smooth still focus by circ。The meeting noted that，The second half of the supervision department as a person insurance sales will mislead investigation and key，On the silver、A risks and electricity sales channel carry out spot checks；Further promote insurance company intermediary business check and the regularity of institutionalization，To increase the illegal activities of punishment；At the same time，Will the pin into life insurance business daily supervision，And sales staff supervision measures issued by insurance，Implementing insurance agent、Brokerage company Internet insurance business online filing system, etc。