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随着我国改革开放的不断深入和“走出去”战略的加快实施,国际合作日益广泛,出境人员大量增加,民间贸易往来不断增多,而国际局势动荡不安,对于境外保险的需求越来越高。目前我国境外保险存在缺乏相配套的制度保障,专属性保障产品空白,风险评估滞后,理赔机制不健全等问题。政府应高度重视发展境外保险,实施强制保险,保险企业应开发专属产品,明确专属渠道,强化风险评估,建立预警机制。
With the continuous deepening of China’s reform and opening-up and the accelerated implementation of the “Going Global” strategy, the international cooperation has become increasingly widespread with a large increase in the number of expatriates and an ever-increasing number of non-governmental trade exchanges. As the international situation is volatile and turbulent, the demand for offshore insurance has become increasingly greater high. At present, there are some problems in China’s overseas insurance, such as the lack of matching system guarantee, the lack of exclusiveness guarantee products, the lag of risk assessment and the mechanism of claims settlement. The government should attach great importance to the development of overseas insurance, the implementation of compulsory insurance, insurance companies should develop proprietary products, clear channels of exclusive, to strengthen risk assessment, the establishment of early warning mechanism.