我国新型绿色保险的发展及建议

发布时间：2019-07-16 08:36

【摘要】：国内现行传统绿色保险只指环境污染责任险,定义有所局限,不能反映当前绿色保险发展现状。文章将国内新型绿色保险定义为以平滑企业收益为目的,能够通过稳定企业经营业绩和现金流的方式来协助企业融资的保险产品。通过以光伏行业出现的产品为例,文章分析了新型绿色保险的类型及特点,认为该类型保险不同于以往保险产品,可以改善企业收益、协助企业融资,并且从产业链发展的角度出发,前景广阔。通过与国外绿色保险相对比,文章认为国内新型绿色产品虽然有所发展但依然存在行业发展不均衡,产品单一,部分险种发展滞后以及保险大数据欠缺问题。最后针对上述问题,文章提出政府、保险公司共同发展新型绿色保险产品的若干建议。
[Abstract]:The current domestic traditional green insurance only refers to environmental pollution liability insurance, the definition is limited, can not reflect the current situation of green insurance development. In this paper, the new green insurance in China is defined as an insurance product which can assist enterprises in financing by stabilizing the operating performance and cash flow of enterprises in order to smooth the income of enterprises. Taking the products in photovoltaic industry as an example, this paper analyzes the types and characteristics of the new green insurance, and holds that this type of insurance is different from the previous insurance products, which can improve the enterprise income and assist the enterprise financing, and has a broad prospect from the point of view of the development of the industrial chain. Compared with foreign green insurance, this paper holds that although the new green products in China have been developed, there are still some problems in the development of the industry, such as uneven development of the industry, single product, lagging development of some insurance types and lack of insurance big data. Finally, in view of the above problems, the paper puts forward some suggestions for the government and insurance companies to jointly develop new green insurance products.
【作者单位】：对外经济贸易大学国际经济贸易学院;
【分类号】：F842

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