动态博弈视角下绿色保险发展的背景、动因及政策支持研究

The Research Background, Motive and Policy Support from the Green Insurance Development under the Perspective of Dynamic Game

完善绿色保险制度,并以此提高绿色保险的支付意愿和需求,对绿色金融发展和生态文明建设具有重要的现实意义。基于绿色保险主体之间的动态博弈模型发现:绿色保险主体之间合作不强、企业投保成本太高、绿色保险和环保意识薄弱、绿色保险信息的不完善、绿色保险法律政策保障不健全等因素共同导致了绿色保险的支付意愿和需求不足。为推进我国绿色保险发展,当前应从绿色保险制度改革入手,建立绿色保险主体的联动机制,降低企业的投保成本,增强绿色保险意识和理念,完善绿色信息披露制度,健全绿色保险法律政策。

It is of greatly practical significance for the development of green finance and the construction of ecological civilization to perfect the green insurance system and to improve the green insurance willingness to pay.The dynamic game model between the green insurance subjects reveals that： the cooperation of green insurance subjects is not strong; the insurance cost is too high; the consciousness on green insurance and environmental protection is weak; the information on green insurance is not perfect; and the policy guarantee of green insurance laws is not perfect; etc. All the factors lead to the lack of willingness to pay and the demand on green insurance. In order to promote the development of green insurance in China, the current reform of green insurance system should establish a linkage mechanism of green insurance subjects to reduce the insurance costs of corporation,enhance the consciousness and concept on green insurance, improve the green information disclosure requirement,and perfect the law and policy on green insurance.