《保险研究》20220901-《关于政策性保险理论研究的几点思考》（白钦先、张坤、王星苏）

［摘   要］政策性保险是政策性金融的重要组成部分。本文通过借鉴政策性金融理论研究成果，对政策性保险的概念界定、基本特征、主要功能等问题进行论证分析。概念界定方面，突出强调政策性保险是国家在保险领域的长久性战略决策，明确以“强位弱势群体”为服务对象，进一步厘清其与商业保险、财产保险、社会保险的关系。基本特征方面，提出公共性、金融性、国家信用性、特定选择性、损失补偿性为其基本特征。主要功能方面，从基础功能、核心功能、扩展功能、衍生功能四个层面对政策性保险的功能进行考察分析。最后，对构建完善中国特色政策性金融理论体系进行展望。

［关键词］公共性；金融性；国家信用性；特定选择性；损失补偿性

［作者简介］白钦先，辽宁大学国际金融研究所所长，教授、博士生导师；张坤(通讯作者)，经济学博士，供职于中国光大集团股份公司；王星苏，就读于辽宁大学亚澳商学院。

A Few Thoughts Based on Theoretical Research on Policy-based Insurance

BAI Qin-xian,ZHANG Kun,WANG Xing-su

Abstract：Policy-based insurance is an important part of policy-based finance.This paper drew on the research findings of policy-based finance theory,focusing on analyzing the conceptual definition,basic characteristics,and main functions of policy-based insurance.On concept definition,the paper emphasized that policy-based insurance was a country′s long-term strategic decision in the field of insurance which clearly took “strong and vulnerable groups” as the service object,and further clarified its relationship with commercial insurance,property insurance and social insurance.On its basic characteristics,the author held that policy-based insurance was of a public and financial nature,enjoyed national credit and specific selectivity,and compensated for losses.On its main functions,the paper elaborated from the four levels of basic functions,core functions,extended functions,and derivative functions.Finally,the paper offered an outlook on constructing and improving the policy-based financial theory system with Chinese characteristics.

Key words：public nature;financial nature;national credit;specific selectivity;compensation for losses