摘要
自2020年“双碳”目标提出以来,我国绿色保险发展迅速,已成为助力实现该目标的重要金融工具,粤港澳大湾区在推广绿色保险方面具有特殊的优势和潜力。然而,囿于大湾区内“一国两制三法域”的特殊性,构建大湾区绿色保险制度仍面临着一些挑战。立足大湾区绿色保险的实践状况,借鉴美国、德国、法国等国外有益的制度经验,构建大湾区绿色保险制度,在总体思路上应以激励性机制为主、规制性机制为辅,在具体内容上应适时扩容绿色保险内涵,并建立包括投保机制、承保机制和保险费率机制等要素的绿色保险体系,在实施进程上应分阶段、分步骤逐步实现大湾区绿色保险的区域化。
Since the“carbon peaking and carbon neutrality”goal was proposed in 2020,green insurance has developed rapidly in China and has become an important financial tool to help achieve the goal.The Guangdong-Hong Kong-Macao Greater Bay Area,as the region with the most dynamic economy and the highest degree of openness in China,has advantages and potential in promoting green insurance.However,due to the particularity of“one country,two systems,three jurisdictions”in the Greater Bay Area,the construction of green insurance system in the Greater Bay Area still faces various challenges.Based on the practice of green insurance in the Greater Bay Area and drawing lessons from the beneficial institutional experience of France,Germany,the United States and other foreign countries,the green insurance system in the Greater Bay Area should be established.In general,the incentive mechanism should be the main mechanism,and the regulatory mechanism should be supplemented.In terms of specific content,the connotation of green insurance should be expanded timely.In addition,a green insurance system including insurance mechanism,underwriting mechanism and premium rate mechanism should be established,and the regionalization of green insurance in the Greater Bay Area should be realized step by step and in stages.
出处
《金融理论与实践》
北大核心
2022年第8期92-100,共9页
Financial Theory and Practice
基金
2019年度教育部人文社会科学研究青年基金项目“粤港澳大湾区金融合作的法律研究:理念、制度与进路”(19YJC820027)的阶段性成果。
关键词
粤港澳大湾区
碳达峰碳中和
绿色保险
绿色保险区域化
guangdong-hong kong-macao greater bay area
carbon peak and carbon neutrality
green insurance
green insurance regionalization
