中资保险企业国际化发展的面相与选择  

The Appearance and Choice of International Development of Chinese Insurance Companies

作　　者：吕子苑 LV Zi-yuan(National School of Development Postdoctoral Research Station,Peking University,Beijing 100871,China;China Life Insurance(Group)Company Postdoctoral Research Station,Beijing 100033,China)

机构地区：[1]北京大学国家发展研究院博士后科研流动站,北京100871 [2]中国人寿保险(集团)公司博士后科研工作站,北京100033

出　　处：《河北学刊》2023年第4期220-224,共5页Hebei Academic Journal

基　　金：2018年度国家社会科学基金重大项目“数字普惠金融的创新、风险与监管”(18ZDA091)。

摘　　要：保险企业的国际化发展是国际惯例和大势所趋,也是本国企业寻求新的增长机会、吸收先进技术和经验、有效分散国内经营风险、提高承保投资能力的现实选择。然而,目前中资保险企业海外业务占比低、盈利能力弱、全球服务能力弱的问题仍然较为突出,其国际化发展仍面临国别准入门槛较高、核心竞争能力较弱、经营风险较高、“走出去”意愿不强等方面的挑战。对此,应尽快完善国际化发展的监管环境,加强企业核心能力建设,科学选择企业海外扩张策略,应用金融科技推动国际化发展,打造全球一体化风险管控体系。The international development of insurance companies is an international custom and general trend,and it is also a realistic choice for domestic companies to seek new growth opportunities,absorb advanced technology and experience,effectively disperse domestic business risks,and improve their underwriting and investment capabilities.However,at present,the problems of low proportion of overseas business,weak profitability,and weak global service capabilities are still prominent.International development of Chinese insurance companies still faces challenges such as high barriers to national entry,weak core competitiveness,high operating risks,and weak willingness to“go global”.In this regard,it is necessary to improve the regulatory environment for international development as soon as possible,strengthen the construction of core capabilities of enterprises,scientifically select overseas expansion strategies for enterprises,apply financial technology to promote international development,and create a global integrated risk management and control system.

关 键 词：中资保险企业 保险国际化 发展策略 

分 类 号：F842[经济管理—保险]