The Premium For Railway Passenger Spanportation Is 12 Years And 16 Billion 800 Million &Nbsp;

"7. 23" Yongwen line The standard for the death toll of a special railway accident is 500 thousand yuan.

However, in the 500 thousand compensation, some of them are the insurance compensation that the passengers themselves buy "passive". 2% of the train fare is "personal accident injury compulsory insurance premium".

According to the annual report of the Ministry of railways, our reporter statistics show that from 1999 to 2010, the Ministry of Railways has collected "compulsory insurance premium for personal injury" as high as 16 billion 875 million yuan, which is difficult to calculate from 1951.

The regulations on compulsory insurance for railway passenger accidents have been implemented since 1951.

Two phase comparison, the Ministry of railways. premium The total amount of compensation is a drop in the bucket, and a single insurance claim standard is only 20 thousand yuan. Not only that, but according to this newspaper's verification, the railway premium income has been assigned to the Ministry of Railways' "spanport revenue" and has not been commissioned by the third party insurance company.

In the past 12 years, the premium was 16 billion 875 million.

When passengers travelled from Beijing to Fuzhou on D301, they probably did not think that 13.8 yuan of the 690 yuan full price ticket was "personal accident injury compulsory insurance premium".

It is the 13.8 yuan that provides partial insurance for the injured or even unlucky passengers. However, through the huge and busy railway passenger spanport system, the Ministry of Railways has received much "compulsory insurance premium for personal injury" over the years, but it has been hard to tell.

Our reporter inquired about historical data and found that the domestic train ticket compulsory insurance was first promulgated by the finance and Economic Committee of the government administration in 1951, which stipulates that the insurance premium for passengers is included in the fare, and is charged at 2% of the basic fare. This means that since 1952, the Ministry of Railways has begun to collect insurance fees, and the fees will be up to 60 years by 2011.

Reporters inquired about relevant data before 1998 through relevant persons of railway departments, but only found the number of spanport passengers, and the specific passenger revenue could not be known, so they could not get the relevant insurance costs.

But the data after 1998, that is, nearly more than 10 years of "personal accident injury compulsory insurance premium", can be estimated in front of us.

According to the annual financial statements of the Ministry of railways, passenger revenue in 2006 -2010 was 72 billion 800 million yuan, 82 billion 393 million yuan, 92 billion 996 million yuan, 109 billion 47 million yuan and 134 billion 491 million yuan respectively.

Press compulsory insurance The proportion of compulsory insurance premiums of the Ministry of Railways in the 5 years of 2006 -2010 is 1 billion 456 million yuan, 1 billion 647 million 860 thousand yuan, 1 billion 859 million 920 thousand yuan, 2 billion 181 million yuan and 2 billion 690 million yuan respectively, and the total amount of five yuan is about 9 billion 834 million 780 thousand yuan in 2% years.

According to the annual report provided by relevant persons in the railway department, from the 2001-2005 year, the railway passenger traffic revenue totaled 266 billion 500 million yuan, and the insurance premium was 2% yuan, which was about 5 billion 300 million yuan.

This means that from 2001 to 2010, the premium income of railway passenger spanport is as high as 15 billion 134 million 780 thousand yuan.

Reporters further investigation found that in 2000, the revenue of the Ministry of Railways was 46 billion 150 million yuan, and the revenue of the Ministry of Railways in 1999 was 40 billion 876 million yuan, which means that the Ministry of Railways's "personal accident injury compulsory insurance premium" earned 1 billion 740 million 520 thousand yuan in the past two years.

This shows that from 1999 to 2010, the Ministry of Railways earned a total of 16 billion 875 million yuan in the "compulsory insurance premium for personal injury". Until the deadline, this figure is only based on the estimated value of passenger revenue and has not yet been confirmed by the Ministry of railways. But at least this means that in the past ten years, the Ministry of Railways has collected a premium of more than 16 billion yuan by 2% of passenger fares.

According to the annual report of the Ministry of railways, the Ministry of Railways's profit after tax in 2010 was only 15 million, which means that the 2 billion 690 million yuan premium collected by the Ministry of Railways in 2010 was 179 times that of its profits.

Premium is included in "spanport revenue"?

This reporter inquired from 2000 to 2011 National Audit Office related audit documents, did not find the whereabouts of the relevant insurance costs. However, our reporter has learned that the regulations on compulsory insurance for railway passenger accidental injury, which was formulated in 1951 and revised in 1992, have been implemented for 19 years so far, and the maximum insured amount has always been 20 thousand yuan.

This means that if the passenger of the railway passenger system has an accident, the above 20 thousand yuan guarantee will be the insurance liability paid by the Ministry of Railways as an insurance unit. However, this is not all. spanport The subject's liability for accidents is otherwise specified.

In accordance with the regulations on emergency rescue and investigation and handling of railway traffic accidents, railway spanport enterprises and railway passengers may stipulate in writing the limitation of liability for compensation above the provisions of the preceding paragraph.

According to the written agreement, the compensation standard was set at 200 thousand yuan per person after the "4. 28" Jiaoji Railway's serious traffic accident happened in 2008. The Wenzhou EMU event was set at 500 thousand yuan per person.

Hao Yansu, Dean of the insurance College of Central University of Finance and Economics, said that if the railway departments failed to insure the total amount of insurance premiums drawn up by the Ministry of railways, according to the regulations on the compulsory insurance of railway passenger accidents, the huge sum of insurance reserves should be accumulated.

Since the premiums are so high and the expenditure is relatively small, what is the purpose of these funds?

The reporter inquired into the relevant materials in detail, and found that in 1959, the Ministry of Finance and the Ministry of Railways issued 59 (third), and the Ministry of Railways Railway spanport passenger surplus (59) 347, the joint notification stipulates that the income of insurance premium has been included in the fare, and the spanport revenue is no longer proposed separately.

This means that the premium can be used as a spanport revenue, which has been proved by other documents. The appendix of the regulations on compulsory insurance for railway passenger accidental injury stipulates that "the insurance premium collected from the station shall be regarded as the same as the business receipts, and shall not be dealt with separately according to the provisions of the cash register procedure."

In fact, the passenger ticket includes the compulsory insurance, but the insurance revenue should be spanferred to the insurance company in full, so the insurance revenue will no longer be collected when the business tax is levied.

However, the Ministry of Railways has adopted the way of "internal self collection and self insurance", and has not cooperated with outside Business insurance company. capital The destination is still opaque.

Tuo Guozhu, a professor at the insurance Department of Capital University of Economics and Business, said in a media interview that the carrier of spanportation is liable for the passengers. After the Wenzhou bullet train collision, the amount of liability assumed may be adjusted and improved. If the Ministry of Railways is willing to shift the risk to the insurance company, it will be discussed in the future.