我国职业体育商业保险市场格局研究

Market Pattern of Professional Sports Commercial Insurance in China

保险是规避风险和转移风险的重要手段之一,商业保险开发对于职业体育发展具有重要意义。运用问卷调查法、专家访谈法、实地考察法,从供给主体、需求主体、产品类别3个方面梳理我国职业体育商业保险市场现状,对其供需关系特点进行分析。研究认为:当前我国职业体育商业保险市场存在的主要问题为体育商业保险整体发展滞后、供给主体不足、针对性保险产品种类较少和有效需求转化不足等,职业体育商业保险市场格局处于供需双重不充足的不均衡状态。制约因素主要包括相关政策法规不健全及保险体系不完善、需求方投保能力有限、保险意识淡薄和保险产品有效供给不足等。我国职业体育商业保险市场发展路径:完善职业体育商业保险市场风险管理体系,加强风险管理意识,加快相关法规政策建设,完善体育保险服务商业网络,增加职业体育保险有效供给规模,加速培养体育保险复合型专业人才。

Insurance is one of the important means to avoid and transfer risks,and the development of commercial insurance is of great significance to the development of professional sports.By means of questionnaire,expert interview and on-the-spot investigation,this paper combs the present situation of China’s professional sports commercial insurance market from three aspects:supply subject,demand subject and product category,and analyzes the characteristics of its supply-demand relationship.The research shows that the main problems in China’s professional sports commercial insurance market at present are the lagging development of the sports commercial insurance as a whole,insufficient supply subjects,fewer types of targeted insurance products and insufficient transformation of effective demand,etc.The market structure of professional sports commercial insurance is in an unbalanced state of insufficient supply and demand.Restrictive factors mainly include imperfect policies and regulations,imperfect insurance system,limited demand-side insurance capacity,weak insurance awareness and ineffective supply of insurance products.China’s professional sports commercial insurance market development path is as follows:to improve the risk management system of professional sports commercial insurance market,to strengthen risk management awareness,to accelerate the construction of relevant laws and policies,to improve the sports insurance service commercial network,to increase the effective supply scale of professional sports insurance,and to accelerate the training of sports insurance compound professionals.