---
title: "應對氣候變化風險，巨災保險織密防災減災 “安全網”"
description: "巨災保險作為應對自然災害風險的重要工具，與 ESG 中的環境議題緊密相連，扮演着應對氣候變化的重要角色。目前，我國在 20 多個省份實施了綜合性巨災保險試點，進一步加強了防災減災的安全網。然而，巨災保險仍面臨保障缺口和覆蓋範圍有限的問題。未來需擴大覆蓋面，加強科技賦能，完善風險分散渠道。"
type: "news"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/260801020.md"
published_at: "2025-10-12T22:56:01.000Z"
---

# 應對氣候變化風險，巨災保險織密防災減災 “安全網”

> 巨災保險作為應對自然災害風險的重要工具，與 ESG 中的環境議題緊密相連，扮演着應對氣候變化的重要角色。目前，我國在 20 多個省份實施了綜合性巨災保險試點，進一步加強了防災減災的安全網。然而，巨災保險仍面臨保障缺口和覆蓋範圍有限的問題。未來需擴大覆蓋面，加強科技賦能，完善風險分散渠道。

巨災保險作為應對自然災害風險的重要工具，不僅發揮着保險保障作用，更與 ESG 中的環境議題緊密相連，在應對氣候變化中扮演着重要角色。目前，我國已在 20 多個省份落地綜合性巨災保險試點，防災減災 “安全網” 進一步織密織牢。業內人士表示，從現狀來看，我國巨災保險依然面臨保障缺口較大、覆蓋範圍有限等難題。為推動巨災保險發展，未來需進一步擴大巨災保險覆蓋面，加強科技賦能，完善風險分散渠道。（中證報）

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