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一 | 中新社重庆8月21日电 (张旭)重庆市住房和城乡建设委员会21日发布消息称,该委日前正式印发《重庆市城镇房屋安全保险工作指南(试行)》(下称指南)。 (ECNS) -- The 36th Food Expo, together with four concurrent fairs including the Hong Kong International Tea Fair, opened at the Hong Kong Convention and Exhibition Centre on Thursday, attracting more than 1,850 exhibitors from over 30 countries and regions. The events are organized by the Hong Kong Trade Development Council (HKTDC). Speaking at the opening ceremony, Hong Kong Financial Secretary Paul Chan Mo-po said all 11 ASEAN member states are taking part in the five fairs, with Brunei and Timor-Leste participating for the first time. Sixteen provinces and autonomous regions from the Chinese mainland are also showcasing local specialty products, highlighting Hong Kong's unique role in bringing together international brands, regional businesses and consumers on a dynamic platform. A wide range of agricultural products from Taiwan are also on display at this year's Food Expo. Li Minhong, an exhibitor from Taitung County, said this is the second consecutive year the county has participated. Taitung's sugar apples and red oolong tea have proved popular with Hong Kong consumers. "We plan to supply about 1,600 kilograms of sugar apples and will increase the amount if market response is strong," she said. Chen Shuwen, an exhibitor from Hualien County, said she brought a range of specialty products, including dragon fruit, cinnamon powder and gac fruit products. She said Hong Kong is an important platform for reaching global buyers and raising product awareness, and expressed hope that Hualien's agricultural products would gain wider recognition. Sophia Chong, executive director of the HKTDC, said Hong Kong, as an international trading hub and a key regional center for food trade, has long served as an important platform for global food and beverage companies seeking to expand into the Chinese mainland, Asian and global markets. Through platforms such as the Food Expo, the HKTDC aims to promote cross-regional and cross-industry cooperation, further strengthening Hong Kong's role as a bridge between the mainland and international markets while supporting the high-quality development of the food and health industries. (By Tang Yuxian)
。这是中国首部专门针对城镇房屋安全保险的综合性工作指南。 针对不同类型房屋和风险场景,指南推出了房屋主体类、围护及设施设备类、公共安全责任类、施工类保险产品,基本实现城镇房屋安全风险全覆盖。

二 | 在理赔环节,指南明确了全流程规范:知悉事故后24小时内报案(不可抗力除外),保险机构24小时内赶赴现场查勘,同步开展应急施救、损失核定。5000元人民币及以下小额财产损失启用线上快赔通道,对于已明确属于保险责任的事故,被保险人线上完整提交资料、完成信息核验后,赔款24小时内到账。2025年2月8日,航拍重庆中心城区住宅楼群。

三 | (无人机照片) 中新社记者 何蓬磊 摄 值得关注的是先行赔付制度:出现人员伤亡、房屋倒塌危及公共安全等紧急情形时,保险机构应先行支付不低于预估赔偿金额50%的资金,用于应急救援、受灾居民临时安置和紧急排险。 指南的一大亮点是强化保险机构的“风险减量服务”功能。保险机构须按实际收取保费的20%左右专项用于房屋安全风险防范、事故预防相关工作。该项工作实行单独立项、单独核算。 重庆市住房和城乡建设委员会表示,重庆城镇化正从快速增长期转向稳定发展期,城镇房屋“老龄化”问题日益凸显。指南将为房屋安全构建起“事前预防、事中管控、事后赔付”的全链条风险防控体系。
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