“一带一路”国家投资中可承保风险研究

Research on Insurable Risks of National Investments in "One Belt One Road"

根据风险的性质和种类,投资者可将"一带一路"国家投资中可能遇到的风险分别向商业保险公司和政策性保险公司投保。只有全面了解可承保风险特征和要件,才能够区分和理解商业保险公司和政策性保险公司各自可承保风险的范围和种类。政策性保险公司可承保风险主要包括国家风险和商业风险,但仅承保其中小部分风险。政策性保险公司可承保风险受保险市场、法律、保险人承保能力的限制,仅能够提供非常有限的保障。任何投资项目实施前,投资者应事先对全部风险的性质和类型充分研究。

By reference to the nature and categories of risks, the investor can seek from commercial or policy insurers for insurance cover on risks of national investments in ＂One Belt Once Road＂. Only after clear understanding of the characteristics and requisites of insurable risks, can we differentiate and apprehend the insurable risks covered by commercial or policy insurers respectively. Policy insurers cover mainly on national risks and commercial risks, but only to the extent of a minor part of them. The insurance cover provided by policy insurers is also limited due to restriction by the market, applicable law and capability of the insurers. Sufficient research work on nature and categories of risks should be conducted before implementation of any investment projects.