首页|金融高质量发展助力强国建设背景下巨灾商业保险发展研究——基于粤港澳大湾区实践

金融高质量发展助力强国建设背景下巨灾商业保险发展研究——基于粤港澳大湾区实践

扫码查看
原文链接
  • NETL
  • NSTL
  • 万方数据
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.
Study on the Development of Catastrophe Commercial Insurance in the Context of High-Quality Financial Development to Assist the Construction of a Powerhouse——Based on the Practice of Guangdong,Hong Kong and Macao Greater Bay Area
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 mod-ern 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,en-hance the overall disaster response capacity of society,and promote the smooth development of cross-border com-mercial activities within the region.The article analyzes the development background,institutional design,and fi-nancial 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 protec-tion 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 fi-nance,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 govern-ment'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.

financial powerhousehigh-quality developmentcatastrophe insurancecommercial insurancecatastrophe riskrisk diversificationMultilevel systemGuangdong,Hong Kong and Macao Bay Area

党雪、石慧、徐浩、齐瑞福

展开 >

广东外语外贸大学南国商学院 广东广州 510545

中国人民银行四川省分行 四川成都 610041

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

广东省教育厅特色创新类项目

2020WTSCX149

2024

西南金融
四川省金融学会

西南金融

CHSSCD北大核心
影响因子：0.821
ISSN：1009-4350
年,卷(期)：2024.(2)
  • 11