保险创新服务新质生产力发展:风险特征、实现路径与对策建议

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中文摘要：服务新质生产力发展是新时期保险创新的出发点和落脚点.保险创新主要通过科技保险、绿色保险、数字保险和保险资金运用四条路径服务新质生产力发展,且这四条路径已在宁波保险创新实验区科技攻关保险、粤港澳大湾区环境污染责任保险、人保资本设立科技保险创业投资基金等实例中得到初步印证.但是,保险创新服务新质生产力发展仍存在一些制约因素,需要完善监管与支持政策,开发和丰富产品体系,探索构建"保险元宇宙"生态,优化保险资金配置结构,以期进一步推动保险业守正创新,为新质生产力发展提供有力保障和强劲支撑.

外文标题：Insurance Innovation Serving Development of New Quality Productivity:Risks Characteristics,Paths and Countermeasures

外文摘要：Serving the development of new quality productivity is the starting and foothold of insurance innova-tion in the new era.Insurance innovation mainly serves the development of new quality productivity through four paths:science and technology insurance,green insurance,digital insurance and insurance capital utilization.These four paths have been preliminarily evidenced in examples such as science and technology insurance in Ningbo Insurance Innovation Experimental Zone,environmental pollution liability insurance in Guangdong,Hong Kong and Macao Greater Bay Area,and the establishment of a science and technology insurance venture capital fund by PICC Capital.However,there are still some constraints for insurance innovation to serve the development of new quality productivity.It is necessary to improve the supervision and support policies,develop and enrich the product system,explore the construction of the ecology of"insurance meta-universe",and optimize the structure of insurance capital allocation,so as to further promote the insurance industry to observe the right and innovate,and to provide a strong guarantee and support for the development of new quality productivity.

外文关键词：

new quality productivityinsurance innovationscience and technology insurancegreen insur-anceInsurTechdigital financescientific and technological innovationhigh-quality development

作者：

周雷、殷凯丽、车旻昌、高敏、郭成学芷

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作者单位：

苏州市职业大学商学院江苏苏州 215104

东南大学经济管理学院江苏南京 211189

中国人民财产保险股份有限公司苏州市分公司江苏苏州 215011

关键词：

新质生产力保险创新科技保险绿色保险保险科技数字金融科技创新高质量发展

基金：

教育部人文社会科学研究青年基金项目江苏省保险学会应用研究课题江苏省社科应用研究精品工程课题国家级大学生创新创业训练计划项目苏州市职业大学科研项目

项目编号：

23YJC790206SBX2024-1-A-0223SYB-036202410286098ZSVU2023YY04

出版年：

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.(6)

参考文献量31