中国式现代化下的保险业发展研究

A Research on the Development of Insurance Industry under Chinese-style Modernization

党的二十大擘画了全面建设社会主义现代化国家、全面推进中华民族伟大复兴的宏伟蓝图,为中国式现代化指明了前进方向、确立了行动指南。踏上实现第二个百年目标的新征程,中国式现代化发展对我国保险业提出了新要求,即人民性、政治性、促进物质文明和精神文明相协调、助力绿色发展和推动构建和谐社会。与此同时,新形势下保险业也面临气候变化与治理、老龄化社会、经济形态转变、低利率市场环境等因素带来的资产负债管理挑战以及人民对美好生活追求的高标准考验。面对新要求、新挑战,保险业应基于自身特点,在继续发挥风险管理作用的基础上,作为社会保障的重要支柱、居民财富的管理工具,为服务实体经济、助推国家产业升级转型发挥更重要的作用,在服务中国式现代化中抓住绿色转型、养老金第三支柱建设、健康中国、科教兴国等重大机遇,实现新发展。

The 20th National Congress of the Communist Party of China(CPC)has drawn up a grand blueprint for comprehensively building a modern socialist country and promoting the great rejuvenation of the Chinese nation,pointing out the way forward for Chinese-style modernization and establishing guidelines for action.Embarking on a new journey towards the second centennial goals,Chinese-style modernization has put forth new requirements to the development of China′s insurance industry,namely,people-centeredness,political orientation,coordination of material civilization and spiritual civilization,promoting green development and the construction of a harmonious society.Meanwhile,under the new situation,the insurance industry faces the challenges of asset and liability management brought by factors such as climate change and governance issues,aging society,economic transformation,and low interest rate market environment,as well as the high standard test of people′s pursuit of a better life.Facing with these new requirements and new challenges,the insurance industry should,availing of its own inherent characteristics,continue to play its fundamental role of risk management,and furthermore,as an important pillar of social security and a tool for wealth management,play an even more important role in serving the real economy and boosting the country′s industrial upgrading and transformation.While serving the Chinese-style modernization,China′s insurance industry will seize the opportunities of the"third pillar"of the pension system,Healthy China,and rejuvenating China through science and education to realize its new development.