河南自贸区建设中商业保险创新发展构想

Conception of the Innovative Development of Commercial Insurance in the China (Henan) Pilot Free Trade Zone

通过总结国内自贸区保险创新和制度供给的实践经验,得出河南自贸区商业保险创新发展离不开市场主导和政府支持,要通过增加保险主体完善市场,因地制宜开展保险创新。分析了河南自贸区建设中存在供需不足的"市场失灵"问题、创新与制度供给不足的错配问题。提出河南自贸区商业保险创新发展应纳入自贸区建设总体布局,借助自贸区"先试先行"优势,通过引领和服务完善保险产业链,打造区域性保险中心的目标定位,以及风险管理和风险保障、推动河南现代保险服务业发展的功能定位,进而提出路径选择和配套措施。

By analysing the practical experience of insurance innovation and system supply in domestic free trade zones, the development of commercial insurance innovation in China(Henan)Pilot Free Trade Zone cannot be separated from the market and the government support. It is necessary to improve the market mechanism by increasing the number of insurance providers and carrying out insurance innovation according to local conditions. This paper analyzes the issues of 'market failure' resulting from insufficient supply and demand as well as the mismatch between innovative approaches and inadequate system supply. The innovative development of commercial insurance should be brought into the overall arrangement of China(Henan)Pilot Free Trade Zone. The insurance industry chain should be perfected by leading and serving with the help of the'trial first'advantage of the free trade zone.Therefore, the goal is to establish the regional insurance center. Meanwhile, it is important to promote the development functional position of modern insurance services in Henan through the support of risk management and risk protection. Thus, decisions concerning the path selection could be made and supporting measures could be put forward.