保险业支持“双碳”战略目标实施的政策路径研究

Research on the policy path of insurance industry supporting the implementation of “carbon peaking and carbon neutrality” goals

自“碳达峰目标和碳中和愿景”成为我国“十四五”发展时期乃至今后长期低碳转型发展的战略方向,“双碳”目标就成为社会关注的焦点。“双碳”目标实现的过程存在着各种风险,保险作为重要的金融工具之一,可以为实现“双碳”目标分散风险提供保障,并且在引导资源向绿色低碳领域配置方面发挥重要作用,为“双碳”目标实现提供足够资金支持。文章运用相关理论与我国保险业支持“双碳”目标现状的分析,分别从保险业的资产端与负债端出发探讨保险业支持“双碳”目标的具体举措,并学习国外成功经验,提出适合我国保险业支持“双碳”战略目标实施的政策路径。

Since “carbon peaking goal and carbon neutrality vision” has become the strategic direction of China’ s “14th Five-Year” development period and even the future long-term low carbon transition development, carbon peaking and carbon neutrality goals have become the focus of social attention. There are various risks in the process of realizing the goals. As one of the important financial instruments, insurance can provide guarantee for the realization of the goals to disperse risks, and play an important role in guiding the allocation of resources to the green and low carbon field, and provide sufficient financial support for the realization of the goals. So this article will use the related theory and analyzes the current situation of China’ s insurance industry supporting the goals, respectively from the asset side and liability side of the insurance industry to explore specific measures for the goals, learn from the successful experience of foreign countries, and put forward the policy path suitable for China’ s insurance industry to support the implementation of the goals.