Research On Related Statistical Issues Of Green Insurance In China

With the progress of science and technology,social and economic development,the issue of global warming is becoming increasingly serious,and China’s sustainable development has entered a bottleneck.As one of the three pillars of the financial industry,the insurance industry plays a dual role as a risk manager and investor,which can play a unique role in pollution mitigation,climate change adaptation and economic development.Therefore,our insurance industry develops in the green direction,which can better support and service the green development of the economy.In recent years,our green insurance experience rapid development,green insurance is fast expanding.However,the development of green insurance statistics is in the early stage,which is inconsistent with the practice of green insurance development.There are some differences in the definition,scope and statistical systems of "green insurance" in different countries,which prevents our development level of green insurance from coming into line with international standards and meeting the needs of participants in green insurance,such as the government,insurance institutions and enterprises.Thus,exploring the green insurance statistics related issues,improving and constructing the macro statistical system that can reflect the green insurance activities objectively,will promote the standardization and standardization of the green insurance industry,promote the green development.First of all,Cite Space software was used to conduct quantitative analysis and visualization exploration of literature to sort out the differences between domestic and foreign studies on green insurance.As for the connotation of green insurance,foreign perspectives are mainly based on "rights and interests",while domestic scholars focus on products and services based on the goal of "double carbon".As for the statistics of green insurance,both at home and abroad focus on the qualitative level.SNA2008 standards are mainly referred to internationally.Recently,the statistical system of debt end has been formulated in China,but some statistical work of green insurance is scattered among various financial institutions.Therefore,the problem to be solved in this paper is to further improve the scope definition,statistical standard,statistical system and statistical system of green insurance based on the concept of green development,around the statistical theory of green insurance and on the basis of systematically sorting out the development theory and current situation of green insurance.At first,this paper expounds the connotation of the green insurance,and analyzes the current situation of the green insurance development in our country from the macro policy environment,the existing system,the scale of development and the development status of pilot cities.On this basis,the research focuses on the statistical level of green insurance.The research contents and reflections of each part are as follows:First,Chinese green insurance statistical standard present situation and question.By comparing with foreign statistical standards of green insurance,domestic green bonds and statistical standards of green credit,it was found that there are two problems in the current statistical standard of green insurance in our country:1)insufficient solid theoretical basis of green insurance;2)The identification of green insurance assets is faced with difficulties,which directly leads to the incomparability of the statistical results of the existing green insurance institutions.Therefore,in line with the principle of "emergency before delay" and referring to the standard framework of green finance,the statistical standard of green insurance can first establish the basic standard of green insurance and the statistical standard of green insurance,so as to effectively identify green economic activities and further carry out green rating.Second,the existing statistical system interpretation and improvement of green insurance.Green insurance is a new insurance product that applies the concept of green development in the insurance industry.It has the attributes of both insurance and green development.Therefore,the statistics of green insurance should also be divided into asset side and liability side.The "Green Insurance Statistical System" issued by China Banking and Insurance Regulatory Commission only involves the statistical problems of the scale index of the debt end,which is both 1)serving the major national strategies 2)meeting the national conditions 3)novel statistical perspectives and 4)containing four characteristics of statistical execution.In the process of improvement,the current debt-end index system can be extended to reflect the development level of green insurance from four dimensions: scale index,development level,development speed and marketization degree.For the asset side,two types of statements(1)green insurance fund investment declaration form and 2)statistical project form of the green insurance asset side can be constructed to quantify the environmental benefits generated by green insurance fund investment and financing,and to obtain macro data by adding together.Third,Chinese green insurance statistical system comparison and enlightenment.The construction of green insurance statistical system can measure the development level of green insurance,promote the development of green insurance business,formulate and implement green insurance policies.Internationally,due to the relatively complete development of green credit system and environmental insurance in Europe,its green insurance market is more mature and its statistical system is relatively comprehensive.As a milestone,the Statistical System of Green Insurance in the Green Finance Guidelines for the Banking and Insurance Industries in China has included the insurance industry in the development and supervision of green finance,opening the era of quantified green insurance.At the institutional level,we can try to upgrade the statistical standards of green insurance,improve the information disclosure mechanism and the coordination mechanism of various departments of green insurance statistics in the future.The contribution of this topic is to start from the statistical level,compare and analyze the similarities and differences in the statistical work of green insurance at home and abroad,improve the statistical standards,systems and institutions of green insurance,promote the comprehensive statistical reform of the insurance industry in an all-round way,and provide a theoretical basis for the development of green insurance policy.