优化运动员保险结构的路径选择及实现策略

Optimization of Athletes' Insurance Structure and the Corresponding Strategy

国务院颁布《关于加快发展体育产业促进体育消费的若干意见》,为推动我国体育产业的快速发展,丰富体育精神文化,促进民生体育建设具有重要作用。体育产业的大力发展也必然会带动我国体育保险事业前进。文章首先通过回顾近年来一些重大的运动员伤残事故,引申出运动员保险的重要性,并对北京奥运会刘翔受伤退赛亿元保单无法理赔案件进行剖析,指出运动员保险结构的深层次矛盾。在此基础上,进一步分析运动员保险的基本结构,及其对竞技体育保障的作用,明晰当前运动员保险的基本内容、性质及其制约因素,为制定优化运动员保险结构的升级方式和路径奠定基础。最后在国务院新政背景下,探讨我国竞技体育发展环境,以及国内外经典社会保险运作模式,提出借鉴车险管理模式解决保险产品运营问题,借鉴企业年金制度解决保险资金短缺问题,借鉴五支柱养老保险模式解决险种同质化问题的实现策略,以期为运动员保险的建设提供参考。

The rapid development of sports industry will inevitably result in the boost of sport insurance, the impor- tance of which has been self - testified in the previous cases of injuries and accidents. The paper analyzes Liu Xiang＇ s failure to claim of 100 -million policy duo to his quit in the game at the Beijing Olympic Games, thus exposing the profound contradiction in athletes＇ insurance structures. The paper further analyzes the basic structures of athletes＇ insurance and its guarantee for competitive sports. In the context of the new policy of the Chinese government, the paper discusses how to incorporate the classic insurance examples at home and abroad into Chinese competitive sports insurance so as to provide references for the sound system of athletes＇ insur- ance.