我国民间慈善活动的主要风险及保险保障创新探讨

Discussion on the Main Risk and Insurance Guarantee Innovation of Folk Charity Activities in China

目前我国民间慈善活动蓬勃发展,公众慈善热情高涨,与之相伴随的是慈善风险的提高,主要表现为善款流向不明、慈善组织公信力下降、筹积善款难度增大、善款不能有效到达受助人手中以及相关技术风险。本文从保险在慈善活动中的适用性分析出发,探讨了慈善保险面临的挑战,并从产品设计、技术创新、政府政策引导等方面提出了实施路径,最后还讨论了慈善保险推向市场应具备的条件。

At present,folk charity activities in China are booming and public enthusiasm for charity runs high,which is accompanied by the improvement of charity risk,which is mainly manifested in the unclear flow of charity funds,the decline of public trust of charity organizations,the increasing difficulty of collecting charity funds,the failure of funds to reach the recipients effectively and related technical risks.Based on the analysis of the applicability of insurance in charity activities,this paper discusses the challenges faced by charity insurance,and puts forward the implementation path from product design,technological innovation,government policy guidance and other aspects,and finally discusses the conditions for charity insurance to be put into the market.