安徽省绿色保险助力“双碳”目标实现的优化路径研究

The Research on the Optimization Path of Green Insurance to Help Achievethe “Dual Carbon” Goal in Anhui Province

随着安徽省工业化和城镇化进程的持续推进,生态环境问题日趋突出。绿色保险是绿色金融的重要组成部分,在“碳达峰、碳中和”目标背景下,保险公司在资产端和负债端可以通过绿色保险产品与服务有效实现环境风险管理和绿色生产体系建设,进一步助力“双碳”目标的实现。针对安徽省在加快绿色保险助力“双碳”目标实现的过程中存在法律法规不健全、风险评估机制不通畅、绿色保险产品单一等突出问题,提出安徽省应在绿色保险立法体系、服务体系、产品体系等方面不断优化建设,打破绿色保险发展的壁垒,促进“双碳”目标的实现。

With the continuous advancement of industrialization and urbanization in Anhui Province,ecological and environmental problems are becoming more and more prominent.Green insurance is an important part of green finance.Under the background of“peak carbon dioxide emissions and carbon neutrality”,insurance companies can effectively realize environmental risk management and green production system construction through green insurance products and services on both the asset side and the liability side,which will further help the realization of the“dual carbon”goal.In this paper,aiming at some outstanding problems such as unsound laws and regulations,poor risk assessment mechanism and single green insurance products,in order to accelerate the process of green insurance in Anhui Province to help the realization of the“dual carbon”goal,there are.the construction of optimizing is proposed in Anhui Province in green insurance legislation system,service system and product system so as to break the barriers to the development of green insurance and promote the realization of the“dual carbon”goal.