保险业应对气候变化的现状回顾

A Review of Insurance Industry Responses to Climate Change

从气候变化风险的类别入手,详细阐述了气候变化主要灾害和次生灾害对保险业负债端的影响。作为市场化风险管理工具,保险业在减缓和适应气候变化方面持续发挥着重要作用。随着气候变化风险意识的不断增强,保险业不断推出创新产品实践,将应对气候变化纳入公司管理体系,并积极参与国际合作。保险监管也在推行气候变化应对相关意见。然而,保险业在应对气候变化的过程中仍然存在大量的问题、风险和挑战。未来,中国保险业应持续采取加快产品创新、提升风险管理、加强跨行业合作等措施,充分发挥风险保障作用,为服务国家适应气候变化战略做出重要贡献。

Herein,the categories of climate change risks were studied,along with a detailed investigation of the impact of primary and secondary disasters of climate change on insurance underwriting.As a market-oriented risk management tool,insurance continues to play an important role in mitigating and adapting to losses associated with climate change.With a deepening awareness of climate change risks,the insurance industry persistently innovates new products by integrating climate change strategies into company management systems and actively engaging in innovative international cooperation.Furthermore,insurance supervisory authority bodies are promoting actions to address climate change.Nevertheless,the insurance industry still faces numerous issues,risks,and challenges in addressing climate change.In the future,China’s insurance industry should persevere to adopt measures such as product innovation by enhancing risk management and strengthening cross-industry cooperation.By fully leveraging its role in risk protection,the insurance industry can significantly support the country’s strategies for adapting to climate change.