绿色保险发展现状、问题及对策——基于对重庆绿色保险发展的思考  

Development Status,Problems and Countermeasures of Green Insurance:Based on the Development of Green Insurance in Chongqing

作　　者：李云峰 LI Yunfeng

机构地区：[1]重庆市保险学会,重庆400011

出　　处：《保险职业学院学报》2023年第4期22-27,共6页Journal of Insurance Professional College

摘　　要：在绿色发展和“双碳”目标背景下,我国绿色保险发展面临难得的机遇,占尽天时地利人和,但在发展过程中还存在业务规模小、险种结构不合理、作用发挥不充分、保险市场发展不平衡等问题。究其原因,有对绿色保险的认识不到位、考核激励机制欠缺问题,也有制度有待完善、基础设施建设尚待加强等问题。建议正确认识绿色保险、正向激励保险公司、完善相关制度、营造绿色保险发展环境、丰富绿色保险供给,发挥绿色保险保护绿色保险标的、补偿环境损失、优化生态等作用。Under the goal of green development and“double carbon”,the development of green insurance in our country is faced with a rare opportunity,however,there are still some problems in the development process,such as small business scale,unreasonable insurance structure,inadequate function,unbalanced development of insurance market,etc..To investigate the reasons,there are insufficient understanding of green insurance,a lack of assessment and incentive mechanism,the system to be improved and infrastructure construction to be strengthened,etc..It is suggested that we should have a correct understanding of green insurance,positively motivate insurance companies,improve relevant systems,create an environment of green insurance,enrich the supply of green insurance and give full play to the role of green insurance in protecting the subject matter of green insurance,compensating for environmental losses and optimizing ecology.

关 键 词：绿色保险 绿色发展 环境损失 碳汇保险 绿色建筑性能保险 

分 类 号：F840.2[经济管理—保险]