《保险研究》20250605-《面向国际竞争的中国航运保险发展路径：多维挑战与策略研究》（许闲、杨宁宁、黄琛淞）

［摘   要］我国航运保险市场近年来在产品创新、服务能力和风险管理水平方面取得了长足进步，但发展水平仍与我国在全球经济贸易中的地位存在差距，国际影响力相对有限。在日益复杂的国际竞争中，正确认识面临的多维挑战，对于建设高质量的现代航运保险市场至关重要。基于此，本文通过梳理国际航运发展态势，结合PESTEL框架界定传统与新型风险因素，重点分析中国航运保险面临的挑战与机遇。研究发现，中国航运保险的发展态势与全国经济贸易增长水平不匹配，在国际市场的参与度不足，未来还将面临技术、人才、环境等多重新型风险的挑战。建议我国积极构建双循环格局下的国际再保险体系，促进技术产业协同，建设独立话语体系，培养自主人才，推动航运保险高质量发展，提升全球影响力。

［关键词］航运保险；新型风险；PESTEL框架；全球竞争

［基金项目］本文为国家社会科学基金重大项目(23&ZD177)阶段性成果。

［作者简介］许闲，复旦大学经济学院副院长、教授；杨宁宁，复旦大学经济学院博士研究生；黄琛淞，复旦大学经济学院硕士研究生。

The Development Path of China’s Marine Insurance amid International Competition：A Study on Multidimensional Challenges and Strategies

XU Xian，YANG Ning-ning，HUANG Chen-song

Abstract：China’s marine insurance market has witnessed long-stride development in recent years in terms of product innovation，service capability，and risk management，but its development level still does not align with China’s global economic and trade position，and its international influence remains relatively limited.In the increasingly complex landscape of international competition，accurately understanding the multidimensional challenges faced is crucial for building a high-quality modern marine insurance market.Based on this，this paper focuses on analyzing the key challenges and opportunities China faces in its development through examining global shipping industry trends and employing the PESTEL framework to identify both traditional and emerging risk factors.The study finds that China’s marine insurance growth is not commensurate with its economic and trade expansion，its participation in the international market is insufficient，and it will face the challenges of emerging risks related to technology，talents，and the environment in the future.This paper suggests that China should actively establish a dual-circulation international reinsurance system，promote the integration of insurance and industrial development through technological collaboration，build an independent discourse system，cultivate domestic talents，and enhance the high quality development of marine insurance and its global influence.

Key words：marine insurance;emerging risks;PESTEL framework;global competition