摘要
推进保险业创新发展是深化金融供给侧结构性改革的重要部分,对加快建设中国特色现代金融体系、提高金融服务经济社会发展的质效具有重要意义。从粤港澳大湾区的实践来看,巨灾商业保险发展可以降低灾害风险对经济的影响,提升社会的整体巨灾应对能力,促进区域内跨境商业活动的顺利开展。文章解析了粤港澳大湾区巨灾商业保险的发展背景、制度设计和金融服务支持现状,深入分析了当前粤港澳大湾区巨灾商业保险发展中存在的个体覆盖问题、市场供给约束及法律保障制度缺陷,结合日、美三大著名湾区巨灾商业保险的发展经验,围绕金融高质量发展,从需求侧出发刺激巨灾保险需求、从供给侧出发释放巨灾保险活力、发挥政府职能推进高质量巨灾商业保险制度设计、探索中国特色的“多层次”巨灾商业保险制度四个方面,提出适合我国国情的巨灾商业保险发展的建议。
Promoting innovative development in the insurance industry is an important part of deepening the structural reform of the financial supply side,and is of great significance for accelerating the construction of a modern financial system with Chinese characteristics and improving the quality and efficiency of financial services for economic and social development.From the practice of the Guangdong,Hong Kong and Macao Greater Bay Area,the development of catastrophe commercial insurance can reduce the impact of disaster risks on the economy,enhance the overall disaster response capacity of society,and promote the smooth development of cross-border commercial activities within the region.The article analyzes the development background,institutional design,and financial service support status of catastrophic commercial insurance in the Guangdong,Hong Kong and Macao Greater Bay Area.It deeply analyzes the individual coverage issues,market supply constraints,and legal protection system defects in the current development of catastrophic commercial insurance in the Guangdong,Hong Kong and Macao Greater Bay Area.Combining the development experience of catastrophe commercial insurance in the three famous bay areas of Japan and the United States,and focusing on the high-quality development of finance,this paper puts forward proposals for the development of catastrophe commercial insurance that is suitable for China's national conditions in four aspects,namely,stimulating the demand for catastrophe insurance from the demand side,unleashing the vitality of catastrophe insurance from the supply side,giving full play to the government's function to promote the design of a high-quality catastrophe commercial insurance system,and exploring the"multilevel"catastrophe commercial insurance system with Chinese characteristics.
作者
党雪
石慧
徐浩
齐瑞福
Dang Xue;Shi Hui;Xu Hao;Qi Ruifu
出处
《西南金融》
北大核心
2024年第2期89-100,共12页
Southwest Finance
基金
广东省教育厅特色创新类项目“粤港澳大湾区联动视域下巨灾保险购买行为的影响因素及其优化对策研究”(项目编号:2020WTSCX149)。
关键词
金融强国
高质量发展
巨灾保险
商业保险
巨灾风险
风险分散
多层次体系
粤港澳大湾区
financial powerhouse
high-quality development
catastrophe insurance
commercial insurance
catastrophe risk
risk diversification
Multilevel system
Guangdong,Hong Kong and Macao Bay Area
