我国巨灾风险损失的保险补偿机制问题研究

摘    要
巨灾损失补偿机制一直都很重要,目前国内研究文献不多,研究亦缺乏深度,我国巨灾保险的提出已经有很多年了,可是一直只是处于一个遇到灾害就把它拿出来,灾害过后就被搁置的阶段,2008年的雪灾和四川地震给国家和人民敲响了警钟,两次灾害的损失巨大,而我国的保险业因为起步晚,制度发展还很不完善,未能承担起帮助国家和人民分散灾害损失的作用,建立我国的巨灾保险制度已经刻不容缓,我们有必要重新理清巨灾损失补偿机制的研究进展,为灾区的灾后重建工作提供理论支持。本文通过分析国外的巨灾保险制度建立的经验,提出建立我国巨灾保险制度的一些措施和建议。

关键词： 巨灾风险；保险补偿；巨灾风险基金

 
Abstract
The loss of catastrophic compensation mechanism has been very important. The current research literature is not much, and research has also lacked the depth. Catastrophe insurance in China has been proposed for many years, but it has been put out when we encountered the disaster, it has been set aside after disaster. the 2008 snowstorm and Sichuan earthquake have gave the country and the people the alarm, and the loss of two disasters is very big, thus the insurance industry in China was started late and the system development is still imperfect, so it could not assume what help the country and the people disperse the disaster losses. the establishment of a catastrophe insurance system in China has been delay, so we need clarify compensation mechanism which provide theoretical support for post-disaster reconstruction work. In this paper, through analyzing the established experience of catastrophe insurance system in foreign, I propose some measures and recommendations which establish catastrophe insurance system in our country.

Key words: Catastrophe Insurance; Insurance Compensation; Fond of Catastophe Insurance

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