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“代统保”是我区部份人保公司在工作中新创的保险名词。其意思是指:人保公司在当地人民政府的支持下,以当地人民政府的名义颁布行政文件或签订协议,由保险公司代替农户房屋保险,并以国家资金支付农户房屋保险金或代垫保险储金,农户享受房屋保险各种保险权益。“代统保”业务对促进人保公司“农村家庭财产保险”的发展,解决农户保险受益,促进当地经济发展起了一定的作用,但其弊端也是不可忽视的。
“Generation Insurance” is a part of our area PICC new job insurance term. Its meaning is that PICC, with the support of the local people’s government, promulgates the administrative documents or sign the agreement in the name of the local people’s government, and the insurance company replaces the farmer’s house insurance and pays the farmers’ housing insurance money or the insurance fund Gold, farmers enjoy various types of insurance rights and housing insurance. On behalf of PICC, “insurance business” has played a certain role in promoting the development of “rural family property insurance” of PICC, resolving the benefits of rural household insurance and promoting local economic development. However, its drawbacks can not be ignored.