摘要
各国对巨灾损失分担机制的设计存在一定的差异,从而形成不同的结果。美、日两国在巨灾损失分担机制方面具有丰富的经验,巨灾的损失通过保险分担也得到了很好的弥补。本文重点对两国在自然灾害,尤其是在农业和地震灾害方面的保险分担经验进行分析,揭示其共性和成功经验,从而对我国的巨灾损失机制的设计以及相关政策提出建议,即建立巨灾保险管理应急机制;建立多层风险分担机制;大力培育再保市场主体;加强完善政府保险监管。
There exist significant differences in the design of the catastrophe loss sharing mechanisms in the world and thus the results may differ. The United States and Japan have accumulated rich experience in catastrophe loss sharing mechanisms. This article explores these two countries＇ experience in dealing with natural disasters, especially agriculture disasters and earthquake, to find out their commonness and keys to success. This article then comes up with practical suggestions for China＇s catastrophe loss sharing mechanisms, including establishment of emergency response mechanism, multi-tier risk sharing system, development of reinsurers, and improvement of insurance regulation.
出处
《保险研究》
CSSCI
北大核心
2008年第6期19-22,共4页
Insurance Studies
关键词
巨灾损失分担
国家洪水保险计划
农业保险
地震保险
catastrophe loss sharing
national flood Insurance program
agriculture insurance
earthquake insurance
