我国巨灾风险管理的防范

摘    要
我国是世界上自然灾害最为严重的国家之一。2008年我国先后发生南方低温雨雪冰冻灾害和四川汶川地震，凸显加强巨灾风险管理理论研究和制度建设的急迫性。我国现行的救灾体制有其不足，财政救助能力有限，社会救济作用微弱，保险的保障功能开发不够等。借鉴西方发达国家的巨灾风险管理的做法以及得到的启示，确立政府主导保险公司经营的运行架构，立法推进政策性的巨灾保险和巨灾再保险业务，积极完善巨灾再保险体系，建立政府主导下的巨灾保险基金，进行巨灾风险证券化探索，建立起适合我国国情的巨灾风险管理的对策。

关键词：巨灾风险；保险机制；巨灾债券

 
Abstract
China is the world's worst natural disasters in the world. In 2008 occurred in South China's low-temperature freezing rain and snow disaster and earthquake four highlights the strengthening of catastrophe risk management system for the construction of theoretical research and the urgency. The current disaster relief system has its shortcomings, the limited capacity of financial aid, the role of weak social relief, insurance protection features, such as the development of enough. Western developed countries learn from the catastrophe risk management practices and has been enlightened government-led insurance companies to establish business operating structure, legislative policy to promote the catastrophe insurance and catastrophe reinsurance, catastrophe reinsurance to actively improve the system and establish a government-led under the catastrophic insurance fund for catastrophic risk securitization to explore and establish the condition of our country for catastrophe risk management solutions.
 
Keywords：catastrophic risk; insurance mechanisms; catastrophe bond

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