摘要
在我国与东盟的经贸合作中,保险业通过为经贸合作提供风险保障发挥着重要的作用。2022年,《区域全面经济伙伴关系协定》(RCEP)正式生效,我国与东盟的保险合作更加灵活、便利,合作框架更加规范,保险市场潜力进一步释放。但是,目前仍存在保险数据面临安全风险、保险监管规则协同制定困难、高质量保险合作人才供给不足,以及治理鸿沟与隐性壁垒阻碍保险合作等问题。基于此,我国与东盟应尽快建设区域性质的保险数据中心,逐步形成区域性保险监管规则,建立“培养+吸引”的保险人才供给机制,实施差异化合作与破除隐性壁垒,以便推动保险合作向纵深发展。
In the economic and trade cooperation between China and ASEAN,the insurance industry plays an important role by providing risk protection for economic and trade cooperation.In 2022,Regional Comprehensive Economic Partnership Agreement(RCEP)officially came into effect.This has enhanced the flexibility and convenience of insurance cooperation between China and ASEAN,established a more standardized framework for collaboration,and further unlocked the potential of the insurance market.However,several critical challenges persist,including vulnerabilities in insurance data security,difficulties in collaborative formulation of insurance regulatory rules,a shortage of high-quality professionals in insurance cooperation,as well as governance gaps and implicit barriers that hinders insurance cooperation.In light of these challenges,it is imperative for China and ASEAN to expedite the establishment of a regional insurance data center,gradually develop regional insurance regulatory frameworks,and institute a“cultivation+recruitment”mechanism for insurance talent development.Furthermore,differentiated cooperation models should be implemented and implicit barriers dismantled to facilitate in-depth advancement of insurance cooperation.
作者
胡芳
肖昌胜
王磊鑫
HU Fang;XIAO Changsheng;WANG Leixin
出处
《保险职业学院学报》
2025年第3期32-43,共12页
Journal of Insurance Professional College
基金
国家自然科学基金项目“绿色金融赋能西南民族地区生态产品价值实现:程度测量、影响因素与路径研究”(72464002)。
