21世纪经济报道记者 朱丽娜 香港报道 在全球经济复杂多变的背景下，"不出海就出局"已经成为众多中国企业的共识。然而，在拓展海外市场 的同时，企业也面临着前所未有的风险。传统商业保险在应对这些高度定制化、跨区域、新兴风险时， 往往力不从心。 在此背景下，专属自保（Captive Insurance）作为一种创新的风险管理工具，正日益受到内地企业的青 睐。香港凭借其独特的制度优势和国际金融中心地位，为出海内地企业构建了一个稳健可靠的风险管 理"桥头堡"。 截至2025年8月，香港共有6家专属性自保保险公司，其中2025年新增2家，分别为汇丰集团全资附属公 司Wayfoong (Asia) Limited、上海汽车集团保险有限公司。现有6家自保公司中，5家为内地国有企业， 涵盖能源、石化、汽车、核电等领域，反映内地大型国有企业成为香港自保市场的主力。 尽管香港的自保市场起步较晚，但呈现十分强劲的发展势头。数据显示，2024年香港自保业务的毛保费 总额达17.23亿港元，香港自保公司的平均保费收入达到5520万美元，远高于全球自保公司3650万美元 的水平。 出海企业风险管理"新利器" 专属自保是指企业设立自己的保 ...

Core Insights - Hong Kong's insurance density ranks first in Asia and second globally, with a penetration rate of 18.2% and total gross premiums reaching HKD 637.8 billion in 2024 [1][3][4] Group 1: Insurance Market Performance - The growth of long-term insurance business is strong, with new policy premiums increasing by 21.4% compared to 2023 [3] - There are approximately 160 licensed insurance companies in Hong Kong, including three international insurance groups based in the region [3] Group 2: Development of Captive Insurance - The Hong Kong government is actively promoting the development of captive insurance, which allows companies to establish their own insurance subsidiaries for risk management [1][5] - As of August 5, 2024, there are six authorized captive insurance companies operating in Hong Kong, with two established in 2024, indicating strong demand for such services [4][5] Group 3: Regulatory and Tax Incentives - The Hong Kong government offers a 50% profits tax concession for captive insurance businesses, enhancing its competitiveness compared to other Asian markets [8] - The Insurance Authority provides regulatory conveniences, such as simplified capital requirements and exemptions from appointing certified actuaries [8] Group 4: Strategic Positioning - Hong Kong aims to strengthen its position as an international risk management center, attracting mainland and international enterprises to establish captive insurance companies [7][9] - The government and the Insurance Authority are focused on enhancing the competitive environment for the insurance industry, promoting the advantages of Hong Kong's insurance sector to international markets [9]

Group 1 - Hong Kong's insurance density ranks first in Asia and second globally, with a penetration rate of 18.2% and total gross premiums reaching HKD 637.8 billion in 2024 [1][2] - The growth of long-term insurance business is strong, with new policy premiums increasing by 21.4% compared to 2023 [2] - The Hong Kong government is actively developing the captive insurance market to create diversified growth opportunities and enhance market structure [1][2][5] Group 2 - There are currently six authorized captive insurance companies operating in Hong Kong, with two established in 2023, indicating strong demand for such companies [3][4] - The Hong Kong Monetary Authority is promoting the use of captive insurance companies by overseas and mainland enterprises to improve risk management capabilities [5][6] - The government has introduced various incentives, including a 50% profits tax concession for captive insurance businesses, making Hong Kong more competitive in the region [6]

智通财经APP获悉，8月18日，香港财经事务及库务局局长许正宇发表网志称，香港作为国际金融中 心，凭借税务优惠、专业人才、庞大市场网络及完善金融基建等优势，持续推动保险市场的稳健发展。 现时香港共有约160家获授权的保险公司，以及三间以香港作为集团监管基地的国际保险集团。2024年 度的毛保费总额达6,378亿港元，其中长期业务(不包括退休计划业务)的新造保单保费更比2023年上升 21.4%。此外，2024年数据显示，香港保险密度高踞亚洲第一、全球第二，保险渗透率更达18.2%，冠 绝全球。如此亮眼的成绩，不仅彰显香港市民高度的风险保障意识，更印证本地保险市场发展成熟，能 为各类商业活动提供全方位的风险管理方案。 香港拥有优越的地理位置，位处亚洲心脏地带，毗邻内地市场及其他亚洲国家。此外，香港具备四通八 达的商业网络、世界级的专业服务配套，以及与国际接轨的监管制度，得天独厚的营商环境持续吸引内 地及一带一路沿线国家的企业来港拓展国际业务或管理跨境项目，利用香港作为亚太区顶尖保险枢纽的 核心地位，设立专属自保公司以全面掌握海外投资项目的风险状况，有效分散及管控大型基建投资所衍 生的各类风险，提升企业整体的风险 ...