中国体育保险实践中的困境、国外借鉴与优化路径  

Dilemma in China's Sports Insurance Practice,Drawing on Foreign Experience,and the Optimization Path

作　　者：曾播思[1] 李剑桥 Zeng Bosi;Li Jianqiao

机构地区：[1]广东金融学院体育教研部 [2]清华大学五道口金融学院体育金融研究中心

出　　处：《金融经济学研究》2024年第6期124-137,共14页Financial Economics Research

基　　金：广东省哲学社会科学规划一般项目(GD20CTY03);广州市哲学社会科学规划共建项目(2024GZGJ134)。

摘　　要：党的二十大报告指出,要加快建设体育强国。在实践中,体育保险在防范体育风险、保障人民健康、促进体育事业高质量发展等方面具有重要作用。党的十八大以来,中国体育保险实践取得了长足发展,但在供给层面,原有举国体制下的政府模式对市场的挤出效应依旧存在,法律制度性缺位较为突出;在需求层面,社会及运动员对体育保险的认知明显滞后,由此在“供给—需求”层面形成“双冷”困境。通过梳理发达国家的体育保险演化历程,提炼有助于中国体育保险发展的可借鉴经验。基于此,建议在新时代新阶段下,首先以政府介入指导为核心,带动体育保险要素深度嵌入中国体育领域,夯实体育保险发展的群众基础,同时为市场化力量主体支撑体育保险发展与创新腾挪更大空间。The report to the 20th National Congress of the Communist Party of China highlighted the need to accelerate efforts to build a strong sports superpower.In practice,sports insurance plays an integral role in preventing sports risks,protecting athletes'health,and advancing the high-quality development of sports.While China has made great progress in sports insurance practices since the 18th National Congress of the Communist Party of China,there remains a significant imbalance between supply and demand,as well as unfavorable development factors such as the lack of a legal system and lagging social cognition.By examining the evolution of sports insurance in developed nations,this study extracted relevant experiences to aid the development of sports insurance in China.This study recommends,with government intervention and guidance as the core,stepping up efforts to deeply embed the elements of sports insurance in China's sports field and consolidating a broad foundation for the development of sports insurance while making more space for market forces to support the development of sports insurance.

关 键 词：体育保险 举国体制 市场化主导 供求分析 制度设计 

分 类 号：F842[经济管理—保险] G80[文化科学—运动人体科学]