重大公共突发事件中我国商业保险保障的完善

Improvement of China’s Commercial Insurance in Major Public Emergencies

近年来,我国商业保险在重大公共突发事件中的短板凸显。我国商业保险保障面临着制度不完善、财政兜底惯性思维难以扭转、社会保险认知与投保意识不成熟的困境。究其成因,在于企业逐利天性与保险社会保障性相冲突、商业保险行业规范性不足、保险企业社会责任意识不够强。为充分实现商业保险在重大公共突发事件中的保障功能,应健全保险行业监管机制、完善保险业从业规范、加强行业自律意识。

In recent years,the shortcomings of China’s commercial insurance in major public emergencies have come to the fore.China’s commercial insurance protection is faced with the chal-lenges of incomplete systems,difficulty in reversing the inertia of fiscal support,and immature aware-ness of social insurance and insurance coverage.The causes of these problems lie in the conflict be-tween the profit-seeking nature of enterprises and the social security nature of insurance,the lack of standardization of the commercial insurance industry,and the inadequate consciousness of social re-sponsibility of insurance enterprises.In order to fully realize the protection function of commercial in-surance in major public emergencies,it is necessary to improve the regulatory mechanism of the insur-ance industry,perfect the practice norms of the insurance industry,and strengthen the self-discipline awareness of the industry.