{"id":7962,"date":"2025-09-26T07:28:36","date_gmt":"2025-09-26T00:28:36","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7962"},"modified":"2025-09-26T07:39:05","modified_gmt":"2025-09-26T00:39:05","slug":"dampak-ekonomi-finalisasi-cepa-peluang-dan-tantangan-bagi-industri-asuransi","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/zh\/dampak-ekonomi-finalisasi-cepa-peluang-dan-tantangan-bagi-industri-asuransi\/","title":{"rendered":"CEPA\u6700\u7d42\u6572\u5b9a\u7684\u7d93\u6fdf\u5f71\u97ff\uff1a\u4fdd\u96aa\u696d\u7684\u6a5f\u6703\u8207\u6311\u6230"},"content":{"rendered":"

Liga Asuransi <\/span><\/span><\/b>– Tuesday, September 23, 2025, marked a significant day in Indonesia’s economic relations with the European Union. The two sides formally reached substantive conclusions on the Comprehensive Economic Partnership Agreement (CEPA) between Indonesia and the EU. <\/span><\/span><\/span> Under the agreement, approximately 80% of Indonesian exports to the EU will initially be duty-free, with the potential for up to 98% of these exemptions over the long term.<\/span><\/span><\/span><\/p>\n

This agreement is the culmination of a lengthy negotiation process between Indonesia and the EU, which began with the launch of CEPA negotiations. Discussions on establishing a closer, more comprehensive trade cooperation began as early as 2009, when the EU established <\/span><\/span><\/span>the <\/span><\/span><\/b>Indonesia-EU Vision Group to advance a broader trade negotiation agenda beyond the Free Trade Agreement: encompassing services, investment, regulation, and capacity building. Formal negotiations only began around 2016, and after multiple rounds of intensive, multi-sectoral negotiations, they finally reached a stage <\/span><\/span><\/span> of “substantive conclusion”<\/span><\/span><\/i><\/span> nearly a decade later.<\/span><\/span><\/span><\/i><\/p>\n

Why is Indonesia so ambitious in its pursuit of CEPA? The agreement is seen as a gateway for Indonesian high-quality products (such as palm oil, textiles, apparel, and fisheries) to enter the EU market, which is riddled with tariff and non-tariff barriers. Furthermore, investment access for European companies in strategic industries (such as technology and renewable energy) and regulatory harmonization will enhance Indonesia’s competitiveness on the global stage.<\/span><\/span><\/span>\u00a0<\/span><\/a><\/p>\n

Against the backdrop of the domestic insurance industry, the finalization of CEPA marks a new chapter that cannot be ignored. With increasing market access, growing investment flows, and increasingly complex cross-border protection needs, the Indonesian insurance industry needs to be prepared to seize opportunities and meet new challenges. This article will delve into how the finalization of CEPA will impact the Indonesian insurance industry\u2014from opportunities for importing and exporting insurance products, competition with foreign insurers, to the regulatory adjustments and product innovations necessary to remain competitive amidst global integration.<\/span><\/span><\/span><\/p>\n

Overview of EU-Indonesia CEPA<\/span><\/span><\/b><\/h3>\n
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  1. The Indonesia-EU Comprehensive Economic Partnership Agreement <\/span><\/span><\/b>(CEPA) is more than just a free trade agreement. It covers areas such as trade in goods, trade in services, investment, intellectual property, environmental standards, and capacity building. Its main goal is to establish a more comprehensive framework to promote a balanced, sustainable, and competitive economic relationship.<\/span><\/span><\/span>
    \n<\/b><\/li>\n
  2. Impact of Tariffs and Market Access <\/span><\/span><\/b>The agreement will eliminate tariffs on approximately 80% of Indonesian products entering the EU market, and this proportion is expected to increase to 98% in the future. The main beneficiary industries include:<\/span><\/span><\/span>
    \n<\/b><\/li>\n<\/ol>\n