境外保险探析

随着我国改革开放的不断深入和"走出去"战略的加快实施,国际合作日益广泛,出境人员大量增加,民间贸易往来不断增多,而国际局势动荡不安,对于境外保险的需求越来越高。目前我国境外保险存在缺乏相配套的制度保障,专属性保障产品空白,风险评估滞后,理赔机制不健全等问题。政府应高度重视发展境外保险,实施强制保险,保险企业应开发专属产品,明确专属渠道,强化风险评估,建立预警机制。

Along with the progress of reform and open-up of China and the accelerated steps of ＂going global＂, international cooperation increased day by day, more and more Chinese people traveling abroad, and non-government trade picked up significantly. However, the international situation is not all peaceful and this, in combination with increased international interaction, is raising demands for overseas insurance steadily. Currently, there is a lack of corresponding policy and regulation on overseas insurance, a vacancy of products specifically targeted at this market, a lagging development on risk evaluation, and an incomplete claim settlement mechanism. The relevant government agency should pay high attention to the development of overseas insurance and enforce compulsory overseas insurance. At the same time, insurance companies should develop specialized insurance products, specify its channels, strengthen risk appraisal and establish a risk prospecting mechanism.