| In recent years,industrialization of sports is in the ascendant.In September 2019,the State Council promulgated the "Outline for Building a Powerful Sports Country",which proposed to develop my country’s sports industry from the height of the national development strategy and make it a pillar industry of my country’s national economy.There are bound to be many problems in the process of industrialization of sports.To solve these problems,it is inseparable from the participation and support of financial factors.Among them,various sports events and sports activities at all levels will face a variety of sports risks,including the risk of economic loss caused by the cancellation and delay of the competition caused by irresistible factors such as weather and epidemics,and the personal injury risk of athletes,spectators,and event-related staff;the third-party liability risk of sports facilities such as stadiums and gymnasiums faced by campus sports events and the daily sports activities of the general public,and the risk of personal injury and medical compensation caused by sports activities.On May 22,2021,a major safety accident occurred in the mountain marathon in Gansu province due to a sudden high-impact weather,resulting in the unfortunate death of 21 people,and the financial compensation after the event is far from making up for the economic loss and emotional damage suffered by the families of the victims.This tragedy could have been avoided if we could do a good job in ensuring the risk of the event,especially in the pre-match risk assessment and in-game risk management.The "Opinions on Promoting National Fitness and Sports Consumption to Promote the High-Quality Development of the Sports Industry" promulgated by the State Council in 2019,and the "Opinions on Promoting the Development of Commercial Insurance in the Field of Social Services" promulgated by the China Banking and Insurance Regulatory Commission in 2020.Vigorously develop commercial insurance to manage sports risks in sports events and sports activities.Sports insurance is mainly divided into for-profit sports insurance and non-profit sports insurance,including risk management for large-scale sports events,event cancellation insurance,delay insurance,income loss insurance,and insurance for various sports events at all levels and general insurance.Sports facilities liability insurance,personal accident insurance,medical compensation insurance,etc.for daily sports activities.To help the industrialization of sports,it is necessary to vigorously develop sports insurance to provide an effective risk protection mechanism,which is of great practical significance.In practice,due to the lack of sports insurance in the sports competition management of our country’s national system,the lack of relevant sports risk data,the risks faced by different sports projects are complex and have high risks,and operators of sports facilities such as stadiums are unaware of risk management.Weakness,coupled with the lack of compound professionals in the field of sports insurance,insurance companies and insurance intermediary companies specializing in sports insurance,etc.,the development of sports insurance in our country faces many problems.At present,my country’s sports insurance protection mechanism lacks a professional insurance service system for professional athletes,and it is difficult to effectively protect professional athletes for medical expenses,rehabilitation training expenses and loss of income caused by personal injuries caused by participating in sports events.Most insurance companies are reluctant to enter the sports insurance market and develop sports insurance products and services.Not only are they unable to fully manage the diversified risks faced by large-scale sports events,but it is also difficult to implement insurance protection for various non-professional sports events at all levels in place.In addition,the lack of related sports insurance,including sports facility insurance,has also led to inefficient operation and management of sports facilities such as stadiums,and the existing sports risks are also relatively large.Various problems restrict the rapid development of our country’s sports insurance,which also affects the process of sports industrialization,and cannot provide strong risk protection for industrialization of sports.Looking at the history and experience of the United States,Japan and other countries with relatively developed sports insurance markets and a high degree of sports industrialization,we can find that making sports insurance bigger,stronger and more refined can effectively promote the industrialization of sports.It is not difficult to find that the sports insurance markets in these countries share some common characteristics.First,a relatively complete system of sports insurance laws and regulations.The relevant laws and regulations of sports insurance in the United States and Japan clearly incorporate the sports risks of many sports activities into the scope of social insurance or special sports social insurance,which enables different groups of people to receive effective protection measures when facing different sports risks.The second is the two-pronged approach of non-profit sports insurance and for-profit sports insurance.Non-profit sports insurance and for-profit sports insurance,cooperate with each other to make the same athlete or ordinary sports enthusiasts encounter a variety of sports during sports activities.Risks are guaranteed one by one,which is a good way to manage sports risks.The third is the establishment of sports insurance in subdivided markets,so that the scope of protection of sports insurance can be expanded.From high-risk mountaineering to walking with minimal risk,these sports events and sports activity have related subdivision sports insurance products and services,which can be described as meticulous.Drawing on the development experience of sports insurance in other countries,this paper proposes the following strategies of developing sports insurance to better assist the process of our country’s industrialization of sports.The first is to establish a risk protection system for professional athletes,which is of great significance to the long-term development of professional athletes and the industrialization of sports.Specifically,it can be jointly underwritten by non-profit sports insurance and for-profit sports insurance.The second is to pay more attention to the pre-match risk assessment work and the in-game risk management work,rather than just the post-compensation mechanism.Insurance companies,especially large insurance groups,should make full use of their information advantages and risk management experience to assist the organizers of large-scale events in pre-match risk assessment and in-game risk management,which can effectively avoid accidents such as the accident of mountain marathon in Gansu province,which is a tragedy.The third is to implement the risk protection work of non-professional sports events from the perspective of legislation.The threshold for non-professional sports events is relatively low.Compared with large-scale sports events,their participation is more extensive and sports risks are more common.The fifth is to focus on the cultivation of insurance talents,especially sports insurance compound talents,so as to provide continuous fresh vitality for China’s sports insurance field.Sixth,it is necessary to establish specialized sports insurance companies and sports insurance intermediary companies specializing in sports insurance to provide specialized and customized sports insurance products and services for sports.By vigorously developing these measures of sports insurance,consumers can be attracted to participate more in sports events and sports activities,and carry out sports consumption,which is conducive to the gradual advancement of the process of industrialization of sports. |
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