金融学院知识库

近些年来，伴随着经济实力的逐步增强，我国的环境污染问题日益凸显，环境保护、低碳发展等环保观念逐渐上升到一个新的高度，并且我国在大力推广绿色金融创新试验区的发展。绿色金融是指对环保、节能、清洁能源、绿色交通、绿色建筑等领域的项目投融资、项目运营、风险管理等所提供的金融服务，而保险是一种典型的风险管理工具，绿色保险作为绿色金融的一部分，可以从风险控制、投融资等多个方面，实现对环境问题的预防和补救，不仅有利于金融业自身的发展，也可以在当前的低碳经济背景下助力整个社会的可持续发展。河南省作为我国的人口大省，面临着严重的环境问题，但绿色保险发展水平在国内较为落后，于是本文着重研究低碳经济背景下河南省的绿色保险发展。

本文首先在对国内外文献进行大量阅览总结之后，阐述了本文对绿色保险的理解。再对河南省绿色保险发展的必要性进行一定分析，针对性地指出当前河南省绿色保险发展存在目标不清晰、产品创新少、市场缺乏内生动力、政府缺乏有效激励机制等显著问题，所以导致其发展一直比较缓慢。于是，后文运用案例分析法和经验总结法展开研究，针对国外绿色保险运作模式以及国内江苏、福建、江西几个地区的绿色保险试点经验进行了探讨，通过介绍其发展过程中的模式选择、产品创新、特色举措等方面，总结出一定的发展经验。基于以上的问题研究与经验借鉴，从政府、行业、社会三个层面提出对策与建议，希望通过省内法律制度的完善、加强政府的支持与监管等给绿色保险发展提供保障，通过与地区特色对口的产品创新、服务强化、人才培养等提升绿色保险本身的质量，促进绿色保险在社会范围内的接受度和认可度。借此来推动河南省绿色保险进行更多的尝试，获取更好的发展，助力河南的环境改善和经济实力的增强。

In recent years, with the gradual enhancement of economic strength, China's environmental pollution problems have become increasingly prominent, and environmental protection concepts such as environmental protection and low-carbon development have gradually risen to a new height,and China has vigorously promoted the development of green finance innovation pilot zone. Green finance refers to environmental protection, energy saving, clean energy, green transportation, green buildings and other areas of project investment and financing, project operation, risk management and other financial services provided, and insurance is a typical risk management tool, green insurance as part of green finance, can be from risk control, investment and financing and other aspects, to achieve the prevention and remediation of environmental problems, not only conducive to the development of the financial industry itself, but also contribute to the sustainable development of the entire society in the context of the current low-carbon economy. Henan Province, as a populous province in China, is facing serious environmental problems, but the level of green insurance development is relatively backward in China, so this paper focuses on the development of green insurance in Henan Province under the background of low-carbon economy.

This article first expounds the understanding of green insurance after a large number of reading and summarizing domestic and foreign literature. A certain analysis of the necessity of the development of green insurance in Henan Province is carried out, and it is pointed out that the current development of green insurance in Henan Province has significant problems such as unclear goals, less product innovation, lack of endogenous power in the market, and lack of effective incentive mechanisms by the government, so its development has been relatively slow. Therefore, the case analysis method and the experience summary method were used to carry out research later, and the foreign green insurance operation mode and the green insurance pilot experience in Jiangsu, Fujian and Jiangxi regions in China were discussed, and certain development experience was summarized by introducing the mode selection, product innovation and characteristic measures in the development process. Based on the above problem research and experience reference, put forward countermeasures and suggestions from the three levels of government, industry and society, it is hoped that through the improvement of the legal system in the province, the strengthening of government support and supervision, etc. to provide protection for the development of green insurance, through product innovation, service strengthening, talent training and other product innovation with regional characteristics to improve the quality of green insurance itself, and promote the acceptance and recognition of green insurance in the social scope.That can help promote more attempts and obtain better development at green insurance in Henan Province, to help improve the environment of Henan and enhance economic strength.