奥运保险运营机制对我国体育保险的启示

Operational Mechanism of Insurance for Olympic Games and Its Enlightenment to Sports Insurance Market in China

现代奥林匹克运动会离不开保险保障。奥运会保险的运营机制具有运作市场化、服务全程一体化、中介服务专业化和招标过程透明化等几大特征。从我国体育保险市场的供、需因素和市场环境三方面分析,认为中国体育保险发展的制约因素主要在产品提供方,保险公司的创新能力和风险管理能力在体育保险发展中是主要驱动力,而市场环境和国家体育管理部门的角色转变是体育保险发展的保证。中国作为体育大国有着体育保险发展的肥沃土壤,但中国体育保险事业的发展仍任重而道远。

Modern Olympic Games would be impossible without insurance coverage. The model of insurance placement for Olympic Games is featured by market operation, integrated service of all procedures, specialized broker service and transparency in tender-caLling process. With full analysis on the supply and demand factors and market environment of Chinese sports insurance market this study concludes that the main restricting barrier of the market development is in supply end. The innovation capability and skills in risk management of insurance companies are main driving powers. Improvement of market environment and change to the role of administrative governmental department will play as the guarantee of sports insurance development. While China as a Sports Giant is fertile for sports insurance its development is no easy thing in the long run.