College of Humanities and Development Studies, China Agricultural University, Beijing 100083, China.
Center for Crisis Management Research, Tsinghua University, Beijing 100084, China.
Int J Environ Res Public Health. 2021 Mar 15;18(6):2996. doi: 10.3390/ijerph18062996.
Climate change risk has become an important challenge for global sustainable development. The insurance industry can play an important role in coping with the increasingly severe climate change risk. This paper first describes the increasing climate change risk and the difficulties of the insurance mechanism in dealing with it. Then this paper summarizes the international practice of using the insurance mechanism to deal with climate change risk from ten different aspects. Based on the summary of the role of the insurance mechanism in dealing with this risk in developing countries, this paper puts forward the main application areas for climate change risk insurance and discusses the policy implications of developing climate change risk insurance in China.
气候变化风险已成为全球可持续发展的重要挑战。保险业可以在应对日益严峻的气候变化风险方面发挥重要作用。本文首先描述了不断增加的气候变化风险以及保险机制在应对这一风险方面的困难。然后，本文从十个不同方面总结了国际上利用保险机制应对气候变化风险的实践。在总结发展中国家保险机制在应对这一风险方面的作用的基础上，本文提出了气候变化风险保险的主要应用领域，并探讨了中国发展气候变化风险保险的政策含义。
