中国保险业的国际化战略正确吗?

Is the International Strategy of China Insurance Industry Right?

在中国保监会逐步放宽保险业海外投资政策的背景下,中国信保、中国人寿、中国太平和安邦保险等保险机构通过为中资企业出口业务提供风险保障等方式推动自身的国际化进程。但是,目前中国保险业在国际化过程中过于注重投资海外地产投资,而且存在保险保障缺失、人才国际化发展滞后、投资渠道局限、海外持续投资能力匮乏等问题。此外,中资险企的国际化发展受到主观和客观双方面的制约。对此,保险业应进一步转变经营理念、完善人才培养机制。同时,中资险企应利用"一带一路"战略契机,拓展国际保险业务而且应以"粤港澳大湾区"为支撑,加速国际化。

With the background of loosing the insurance industry overseas investment policy by China Insurance Regulatory Commission, China Export and Credit Insurance Corporation, China Life, China Taiping and Anbang Insurance and other insurance companies serve the risk cover for export enterprises and then they improve their international process. However, China insurance industry pays too much attention on overseas real estate investment. What is more, there are problems such as the deficiency of insurance cover, the lag of international .talents development, the constraint of investment channel and the short of continuing investment ability, etc. In addition, the international development process of China insurance companies faces both subjective and objective obstacles. Consequently, China Insurance Industry should change the operation philosophy and talents training mechanism. Meanwhile, Chinese insurance firms should take advantage of the Belt and Road strategic opportunity to expand the international insurance business and should accelerate international process by the support of Guangdong-Hong Kong-Macao Greater Bay Area.