《保险研究》20240601-《普惠保险发展的理论与实践问题》（陈秉正、毛羽）

［摘   要］普惠保险已得到政府和社会的高度重视，发展前景广阔，但仍面临巨大挑战。本文从普惠保险的定义、理论研究和发展实践中存在的问题等三个方面进行了探讨。首先，讨论了应如何界定普惠保险，指出对普惠保险有一个相对一致的认知对发展好普惠保险至关重要。其次，梳理了普惠保险发展中需要研究的一些理论问题：从提高个人和家庭福利、稳定经济发展和提高经济发展效率、增加保险经营者价值等方面探讨发展普惠保险的意义和价值：从普惠保险和一般保险的关系、政府在普惠保险发展中的作用、普惠保险给保险机构带来的影响、新技术对发展普惠保险的作用等方面探索普惠保险的特点和规律，厘清普惠保险发展中的一些重要关系和创新方向。最后，探讨了普惠保险实践中需要关注的问题并提出了解决思路，包括：需要统一各利益相关方的认知；保险机构通过拓展分销渠道扩大覆盖面、利用新技术降低经营成本、提升客户接受度等应对挑战；根据普惠保险目标群体的特殊需求进行持续创新；改善对普惠保险的监管。

［关键词］普惠保险；小额保险；风险管理

［作者简介］陈秉正，清华大学经济管理学院金融系教授；毛羽，对外经济贸易大学保险学院师资博后。

Theoretical and Practical Issues on the Development of Inclusive Insurance

CHEN Bing-zheng,MAO Yu

Abstract：Inclusive insurance has received high attention from both governments and societies,with promising prospects for development,yet it still faces significant challenges.This paper explores three aspects of inclusive insurance:its definition,theoretical research,and practical development issues.Firstly,the authors discuss how to define inclusive insurance and emphasize the importance of a relatively consistent understanding of inclusive insurance for its successful development.Secondly,the authors delineate theoretical issues that need to be studied in the development of inclusive insurance,including its significance and value in improving individual and household welfare,stabilizing economic development,enhancing economic efficiency,and increasing value for insurance operators.They also explore the characteristics and patterns of inclusive insurance,such as its relationship with conventional insurance,the role of governments in its development,its impact on insurance institutions,and the role of new technologies.Lastly,the authors discuss practical concerns in the implementation of inclusive insurance and propose solutions.These include the need to align the understanding of various stakeholders,expanding distribution channels to broaden coverage,leveraging new technologies to reduce operational costs and enhance customer acceptance,continuously innovating to meet the unique needs of the target groups of inclusive insurance,and improving regulatory oversight of inclusive insurance.

Key words：inclusive insurance;microinsurance;risk management