绿色金融:中国险企社会责任的发展趋势与对策

Green Finance:The Latest Development and Proposals of Social Responsibility of Insurers in China

文章对中国险企履行社会责任的最新发展和特征做了介绍,并将其分为抗击新冠肺炎疫情、扩大环境污染责任保险覆盖范围、巨灾保险创新、涉农绿色保险、绿色建筑市场和绿色能源企业等五个领域,在获取大量第一手资料的基础上对其社会责任的履行效果逐一分析。根据习近平主席提出碳达峰和碳中和的“30·60目标”,提出拓展绿色保险概念内涵的政策建议,进而提出构建绿色保险体系的“一个支点、两个轮子、三个方向、十类产品”的“1-2-3-10框架”,并建议将其植入到ESG的险企社会责任框架中。

The article introduces the latest development and characteristics of China’s insurance enterprises in fulfilling their social responsibilities,and divides them into five fields,namely,fighting against COVID-19,expanding coverage of environmental pollution liability insurance,catastrophe insurance innovation,green agriculture related insurance,green building market and green energy enterprises.On the basis of a large number of first-hand information,it analyzes the performance effect of their social responsibility respectively.According to the“30-60 Target”of carbon peaking and carbon neutralizationproposed by President Xi Jinping,this paper puts forward the policy proposals to expand the connotation of green insurance,and then puts forward the“1-2-3-10 framework”of constructing a green insurance system with a fulcrum,two wheels,three directions and ten types of products,and suggests that it should be implanted into the ESG corporate social responsibility framework.