Sun Jie, member of the National Committee of the Chinese People’s Political Consultative Conference: Make full use of preferential tax policies to accelerate the innovation of commercial health w88 casino games login development mechanisms
(Source: Xinhua Finance 2020-03-06 Reporters: Zhang Siwen, Wang Huyun)
The "Opinions of the Central Committee of the Communist Party of China and the State Council on Deepening the Reform of the Medical Security System" released on the 5th emphasized the need to promote the development of a multi-level medical security system. Accelerate the development of commercial health w88 casino games login, enrich the supply of health w88 casino games login products, make full use of personal income tax policies for commercial health w88 casino games login, and study and expand the scope of w88 casino games login products.
What role does the promulgation of the opinions play in the development of commercial health w88 casino games login? What problems still exist in the operation of tax-preferred health w88 casino games login? At the same time, how to make full use of tax preferential policies?Sun Jie, member of the National Committee of the Chinese People’s Political Consultative Conference and deputy dean of the w88 casino of Insurance at the w88 casinoAccepted an exclusive interview with reporters on the above issues.
Promote the development of commercial health w88 casino games login and give full play to the protection function of commercial w88 casino games login
Commercial health w88 casino games login has a wide range of contents, including medical w88 casino games login, disease w88 casino games login, disability income loss w88 casino games login, nursing w88 casino games login and medical accident w88 casino games login, etc. The opinions pointed out that by 2030, a medical security system with basic medical w88 casino games login as the main body, medical assistance as the backing, supplementary medical w88 casino games login, commercial health w88 casino games login and other joint development will be fully established.
Sun Jie believes that the opinions will undoubtedly play an important role in promoting the development of commercial health w88 casino games login, especially the development of tax-preferred health w88 casino games login.
Data shows that from January to December 2019, the original premium income of health w88 casino games login was 706.6 billion yuan, a year-on-year increase of 29.7%, accounting for 22.8% of the personal w88 casino games login market.
However, there is still a problem of insufficient effective supply of health w88 casino games login. The China Banking and w88 casino games login Regulatory Commission stated that it will deepen the structural reform of the financial supply side through policy guidance, improving systems, strengthening supervision and regulating competition, promoting innovative protection content of health w88 casino games login, expanding coverage, improving protection levels, improving service capabilities, and maintaining healthy and steady development.
Previously, 13 departments including the China Banking and w88 casino games login Regulatory Commission jointly issued the "Opinions on Promoting the Development of Commercial w88 casino games login in the Social Service Field" in January, requiring the improvement of health w88 casino games login products and services. w88 casino games login institutions are encouraged to adapt to consumer needs and provide comprehensive health w88 casino games login products and services. We strive to increase the size of the commercial health w88 casino games login market to more than 2 trillion yuan by 2025.
The development of tax-preferential health w88 casino games login is not as good as expected. Make full use of tax preferential policies
In order to improve people's livelihood, establish and improve a multi-level medical security system, and reduce the pressure on basic medical w88 casino games login and the medical burden of insured people, in recent years, our country has vigorously supported the development of tax-preferred health w88 casino games login. Starting from July 1, 2017, the pilot policy of personal income tax for commercial health w88 casino games login has been extended to the whole country and has been developed for more than two years.
Sun Jie believes that from the launch of the pilot in 2016 to the nationwide promotion in 2017, the development of the tax-preferred health w88 casino games login business has not been ideal. Only two w88 casino games login companies in the industry, Pacific Life and China Life, are conducting large-scale business promotion.
From the actual situation, there is a certain gap between the development and market response of the tax-advantaged health w88 casino games login business and expectations. However, in the long run, tax-preferred health w88 casino games login has a very broad space. We should expand tax-preferred health w88 casino games login, improve the status and role of commercial w88 casino games login in the medical and health system, give full play to the protection function of commercial w88 casino games login, and promote the development of multi-level social security.
When talking about the development of the tax-preferential health w88 casino games login business and the market response being far lower than expected, Sun Jie pointed out that there are mainly the following problems:
Firstly, the publicity of preferential tax policies is not strong; secondly, the preferential policies are not attractive; thirdly, the business processes of w88 casino games login and tax deduction are relatively complicated; fourthly, w88 casino games login companies are concerned about the long-term operating risks of the business and are generally cautious. With high costs and low profits, w88 casino games login companies lack the enthusiasm to carry out tax preferential business.
In terms of how to make full use of tax preferential policies, Sun Jie believes that in terms of policies, the amount of tax incentives for tax-preferred health w88 casino games login should be increased. In terms of system construction, it is necessary to improve the practical provisions of the "Interim Measures for the Management of Tax-Preferred Health w88 casino games login Business" to allow w88 casino games login companies to carry out underwriting processing for policyholders suffering from major diseases, or to adopt conditional guarantee renewal for policyholders suffering from major diseases during the w88 casino games login period, so as to promote the healthy and sustainable development of tax-preferred health w88 casino games login business.
"At the same time, the restrictions on the use of personal accounts are relaxed. If the w88 casino games login meets certain requirements, personal accounts are allowed to be used to purchase commercial health w88 casino games login and pay for personal medical expenses before retirement." Sun Jie said.
In terms of products, Sun Jie suggested enriching product forms, expanding the scope of products covered by tax-preferential health w88 casino games login policies, and including benefit-type, subsidy-type and other health w88 casino games login products into the scope of commercial health w88 casino games login tax preferential policies.
In addition, Sun Jie suggested that regulatory authorities should strengthen communication and coordination with tax authorities. Connect the tax and w88 casino games login systems as soon as possible. The tax authorities have opened tax information inquiry rights to the China w88 casino games login Industry Platform, and w88 casino games login companies can obtain the personal tax information of policyholders through the China w88 casino games login Industry Platform to facilitate customers to apply for w88 casino games login and simplify the underwriting process.
Exploring innovation in mechanisms to accelerate the development of commercial health w88 casino games login
Strengthening the infrastructure of health w88 casino games login is an important condition for the development of commercial health w88 casino games login. Sun Jie believes that promoting the necessary information interconnection, data sharing and service cooperation among medical, medical w88 casino games login and commercial w88 casino games login can create the necessary data infrastructure for commercial w88 casino games login to develop diversified health w88 casino games login products, so as to maximize the role of commercial w88 casino games login in protecting people's livelihood.
Specifically, in terms of policy content, Sun Jie believes that it is necessary to study the comprehensive use of tax incentives, financial subsidies and other methods to guide the public to participate in the construction of a multi-level medical security system. The first is to increase the strength of the current preferential tax policies; the second is to provide certain financial support for low- and middle-income people to purchase commercial health w88 casino games login and other health financial products to expand policy coverage and enable more people to participate in third-level health w88 casino games login; the third is to study the situation of flexible employment, flexible employment and other new employment groups that have insufficient basic medical protection, and study special preferential policies to encourage them to buy commercial health w88 casino games login; the fourth is to study and improve financial support policies to promote the development of commercial health w88 casino games login suitable for the elderly.
In terms of the amount of tax incentives, Sun Jie believes that the first is to further enhance the intensity of tax incentives and enhance the attractiveness of the policy; the second is to simplify the calculation method of tax incentives, and relevant tax incentives can be superimposed on healthy financial products such as commercial health w88 casino games login to encourage individuals to actively engage in healthy consumption; the third is to provide higher tax incentives for people over 50 years old.
In addition, Sun Jie also suggested simplifying the tax-related procedures of the current preferential tax reduction and exemption policies, such as using the "Personal Income Tax APP" developed by the State Administration of Taxation to make declarations to improve the convenience of public participation.
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