论我国海外投资保险制度的完善途径

On the Improvement of China's Overseas Investment Insurance System

"一带一路"战略的实施不仅极大地推动了我国海外基础设施项目的投资,客观上也对我国海外投资风险的防范和保障制度提出了更高的要求。然而,我国现行海外投资保险制度尚存缺乏专门立法规范、险种单一、针对性差等诸多不足,亟待从保险模式、合格投资者范围、险种及其覆盖风险等各个方面进行规范和完善。针对一带一路沿线国的特殊风险以及我国海外投资保险制度的上述不足,应实施以双边投资协定为前提的"审保合一"模式,明确自然人及其他社会组织的合格投资者地位,扩大征收险等现有险种的风险涵盖范围,及时设置相关特别险以及为中小企业海外投资设置特别服务机制等改善措施。

The implementation of the Belt and Road Initiative has greatly promoted China＇s overseas investment in infrastructure projects and put forward higher requirements to the overseas investment insurance system as well.However,China＇s current overseas investment insurance system has some deficiency,such as lack of specialized legislation and deficiency of more targeted insurance products.This thesis takes the Belt and Road Initiative as background,and presents solutions as follows：adapting the＂approval-operation syncretism＂mode based on the existence of BIT,recognizing natural persons and other social organizations as qualified investors,expanding the coverage of the current insurance products and setting up special service mechanism for overseas investment made by the small and medium enterprises.