新冠肺炎疫情常态化对我国保险业发展的挑战

Challenge of Novel Coronavirus Pneumonia Normalization to Development of China’s Insurance Industry

新冠肺炎疫情呈常态化的情境下,保险业作为金融市场的重要组成部分,受到正面或负面影响,其所发挥的风险管理、维护社会稳定等职能作用受到广泛重视。保险业的转型工作本就处于推进之中,加之疫情的刺激,我国保险业的发展面临诸多不可避免的挑战。在医疗保障制度的深化改革、风险的鉴定及评估、保险业国际化进程的推行以及保险业资产的配置等多重挑战下,我国保险业须将挑战转变为机遇,也是其发展的必经之路。

Since the novel coronavirus pneumonia epidemic is normalized,the insurance industry,as an important part of the financial market,has been positively or negatively affected.Its function of risk management and social stability has been widely recognized.The transformation of the insurance industry is already in progress,coupled with the stimulation of the epidemic,the development of China’s insurance industry is facing many inevitable challenges.Under the multiple challenges of the deepening reform of the medical security system,the identification and evaluation of risks,the implementation of the internationalization process of the insurance industry,and the allocation of insurance assets,China’s insurance industry must turn the challenges into opportunities,which is also the only way for its development.