Study On Green Insurance In The Context Of Peaking Carbon Dioxide Emissions And Carbon Neutrality ——A Case Study Of Enterprise Transformation Project In Chaoyang District,Beijing

Since the beginning of the Industrial Revolution,the influence of human economic activities has led to the increase of carbon dioxide content in the air year by year,and the resulting greenhouse effect has led to the frequent occurrence of various natural disasters.The deteriorating natural environment has made people realize the importance of environmental protection.So far,120 countries around the world have put forward specific implementation plans to achieve solid carbon emission neutral,and China has also proposed peak carbon dioxide emissions and carbon neutrality target by 2020,aiming to reduce the concentration of carbon dioxide in the air and promote the economic and social transition to green.As an important part of green finance and a risk management means to promote energy conservation and emission reduction and protect the environment,green insurance should actively develop and give full play to its role as a social stabilizer.The enterprise transformation project of Chaoyang District in Beijing introduced green insurance mechanism to promote the transformation of green building from green design to green operation.This successful case further shows that green insurance can highlight its role in promoting social green industry upgrading in practice.Shortly but due to the peak carbon dioxide emissions and carbon neutrality targets in recent years was introduced,based on the Angle of green insurance research data is less,so the research purpose of this paper is based on achieving peak carbon dioxide emissions and carbon neutrality target,how to improve the green insurance system to assist the national insurance industry environment management work.Further clarifying green insurance can become an effective means for the country to manage environmental problems,and it is beneficial for government departments to specify policies,awaken the insurance consciousness of enterprises and help insurance institutions to carry out insurance business.At present,the development of green insurance in some developed countries has entered the mature stage,and some achievements have been made in the innovation of green insurance,including the launch of renewable energy project insurance,carbon insurance and other insurance products.In addition,compulsory policies,professional capacity building of insurance institutions,formulation of the scope of liability of green insurance and linkage measures taken by insurance institutions and financial institutions during the development of foreign green insurance markets are all worthy of reference in China’s green insurance market.Although China has made a big step forward in the development of green insurance business,the overall level is still in the initial stage of development,in order to accelerate the development of green insurance to help achieve the national dual carbon goal,there are still many problems to be solved.Current our country green insurance mandatory insurance required does not reach the designated position,unable to expand enterprise insurance amount,arouse the enthusiasm of insurance institutions to develop green insurance,green insurance related legal system building is not perfect,not clearly the insurance liability for regulations specify details such as the content,the demand for green insurance insurance of society as a whole has not been fully stimulate,Moreover,due to the uniqueness of green insurance itself,the pricing of insurance costs is high and the application scenarios of big data are insufficient,which restrict the development of green insurance in China.Text content based on the above problem under the background of achieving peak carbon dioxide emissions and carbon neutrality targets is proposed on the basis of developing green insurance,should strengthen the mandatory insurance demand,and improve the supporting role of green insurance of form a complete set of laws and regulations and innovation of green insurance investment and financing way,accurately find the swimmer green insurance,green insurance of comparative advantage in terms of product innovation,The construction of big data should be accelerated from data sources,data analysis and data application scenarios,and the insurance demand of enterprises should be increased.The insurance industry should actively participate in the national environmental governance work,and help the country achieve carbon peak and carbon neutrality.