我国“保险+期货”模式的优化路径研究

Study on the Optimization Path of China’s"Insurance+Futures"Model

我国“保险+期货”的产生和发展有着鲜明的时代背景,从运作机理看,其充分利用了期货和保险的优势,将保险与期货结合起来,是保险业和期货业之间的一种跨界创新。近年来,我国“保险+期货”发展迅速,试点品种日渐增多、地域范围不断扩大、模式不断创新,取得了良好效果,受到了社会各界的广泛关注,政府连续出台政策予以肯定和支持。但与此同时,也出现了一些新的问题和矛盾“,保险+期货”各参与主体之间尚未构建起稳定的利益联结机制;保险产品以价格保险产品为主,收入保险占比较低;保费补贴仍以交易所提供补贴为主;风险分散机制、法律和监管体系不完善等。因此“,保险+期货”模式需从多方面进行优化,进一步完善“保险+期货”的运作机制和模式;推动保险产品由价格保险向收入保险转变;建立以政府为主的保费补贴机制;构建包括再保险、期货市场在内的风险分散体系,完善法律和监管体系,以确保其功能得到更好发挥。

The emergence and development of"insurance+futures"in China has a distinctive background of the times.From the perspective of the operation mechanism,it makes full use of the advantages of futures and insurance and combines the two products,which is a cross-border innovation between the insurance and futures industries.In recent years,China’s"insurance+futures"model has developed rapidly,with more and more pilot varieties,expanding geographical scope,and continuous innovation in the model.It has achieved good results and received wide attention from all walks of life,and the government has continuously issued policies to affirm and support it.However,at the same time,some new problems and contradictions have emerged.A stable interest linkage mechanism has not been built among the participating parties of"insurance+futures";insurance products are mainly price insurance products,and income insurance accounts for a relatively low percentage;premium subsidies are still mainly provided by the exchange;risk diversification mechanism,legal and regulatory system is not perfect,etc.Therefore,the"insurance+futures"model needs to be optimized from various aspects,to further improve the operation mechanism and model of"insurance+futures";to promote the transformation of insurance products from price insurance to income insurance;to establish a government-based premium subsidy mechanism;to build a risk dispersion system including reinsurance and futures market,and to improve the legal and regulatory system to ensure that its functions can be better played.