推動綠色經濟的金融政策之研究——以保險業為例

A Study on Financial Policies for Promoting a Green Economy-The Case for Insurance

我國面對氣候變遷和自然災害的風險偏高，每年颱風、洪水等造成鉅額損失，加重政府財政負擔。目前國際上正興起綠色保險的潮流，聯合國積極推動「永續保險原則」，各國相關保險法規及制度逐漸完善，社會責任投資日漸普及，顯示保險部門支持綠色經濟的發展日益重要。目前國發會正積極規劃「推動綠色經濟政策綱領」，特別納入金融面相關因應對策的規劃及研擬。本研究考量保險部門的風險管理和資產投資管理功能，對綠色經濟亦有很大的輔助作用，進一步探討國際上綠色保險發展趨勢、各國政策動向，並檢視我國綠色保險相關課題，從加強責任投資、公私合作、人才培育，以及完善法規、統計評估及經濟誘因，改善配套措施及脆弱地區對策等層面，規劃綠色保險政策未來努力的方向。

High risks of climate change and natural disaster triggered by typhoons and floods had caused large losses and accumulated fiscal burden for the public sector. Promotion of the UN’s 'principle for sustainable insurance', gradually reviving insurance-related law by major nations, and the growing popularity of socially responsible investment are all signs that green insurance has become an international trend and that the promotion of related strategies for a green economy has already gained momentum. NDC has actively formulated 'the agenda for promoting green economic initiatives', and measures include better financial policy and institutional environments. Besides that, insurance policies also play important roles for risk management and asset investment management for a green economy. This paper first analyses the international trend of green insurance and its main policy measures , and then examines related issues and provides policy options for government including enhancing responsible investment, public-private partnership, skills training, strengthening government regulation, modeling evaluation and providing economic incentives to support vulnerable climate areas.