摘要
环境污染责任保险是保护第三者利益和社会公益,促进生态文明建设,助力“双碳”目标达成的重要金融工具。本文分析了环境污染责任保险的发展历程及现状,指出环境污染责任保险属于弱势险种,并通过比较分析我国5个环责险数字化经营地区的发展状况与经验,发现进行数字化转型能够缓解其发展难题,突破其创新推广困境,并且相关政策频出及疫情常态化的催化,促使环责险经营公司加快数字化转型步伐。但因数字经营投入成本高且回报率不稳定,导致保险公司数字化转型意识低,整个保险业数字化经营仍面临技术匮乏、人才短缺问题及网络安全风险挑战。为此,本文提出加快我国环责险数字化转型的政策建议:创新现有财政扶持政策,提高环责险公司数字化转型意识;推进数字基础设施创新,创新智能化服务关键技术;完善环责险数字化服务人才培养体系,创新数字化服务高端人才的引进策略;加强区块链技术融合应用,提高环责险数字化转型的网络安全保障水平。
Environmental pollution liability insurance is an important financial tool to protect the interests of third parties and social welfare, promote the construction of ecological civilization, and help achieve the goal of "carbon peaking and carbon neutrality". This paper analyzes the development process and current situation of environmental pollution liability insurance, and points out that environmental pollution liability insurance is a weak type of insurance. By comparing and analyzing the development status and experience of five digital operation areas of environmental liability insurance in China, it is found that digital transformation can alleviate its weak development problems and break through its innovation and promotion dilemma. And the frequent occurrence of relevant policies and the normalization of the epidemic have prompted environmental liability insurance companies to accelerate the pace of digital transformation. However, due to the high cost of digital operation and the unstable rate of return, the insurance companies’ awareness of digital transformation is low, and the digital operation of the entire insurance industry still faces the problems of technology shortage, talent shortage and network security risk challenges. Therefore, this paper puts forward some policy suggestions to speed up the digital transformation of environmental liability insurance in China: innovating the existing financial support policies and improving the awareness of digital transformation of environmental liability insurance companies. Promoting digital infrastructure innovation and innovating key technologies for intelligent services. Improving the training system of digital service talents for environmental pollution liability insurance, and innovating the strategy of introducing high-end talents for digital service. Strengthening the integration and application of blockchain technology, and improving the level of cyber security guarantee for digital transformation of environmental pollution liability insurance.
作者
唐金成
刘钰聪
Tang Jincheng;Liu Yucong
出处
《西南金融》
北大核心
2023年第1期87-100,共14页
Southwest Finance
关键词
环境污染责任保险
绿色保险
数字化转型
金融科技
保险科技
区块链
数字经济
数字中国
environmental pollution liability insurance
green insurance
digital transformation
FinTech
InsurTech
blockchain
digital economy
digital China
