太湖流域洪涝灾害与洪水保险的基本问题研究

On Fundamental Problems about Flood Disasters and Flood Insurance in the Taihu Basin

太湖流域是我国经济最发达地区之一,其自然和社会经济条件决定了防洪形势严峻．洪水保险作为非工程措施的重要内容之一,是完善太湖流域防洪体系的不可或缺部分,同时也可为在全国范围内推行洪水保险提供试点经验．该文在总结国内外相关研究的基础上,从太湖流域自然和社会经济特点、防洪安全的角度,阐明了在太湖流域实行洪水保险的可行性,并提出了太湖流域中长期洪水保险规划的建议．

The Taihu Basin is currently one of the most developed areas in China. However, The flood hazards in this basin is severe and frequent because of its special physical and economic situation. As one of the most important components of nonstructural measures, flood insurance plays an important role in economic recovery after flood disaster. It is therefore necessary to develop flood insurance in the Taihu Basin as soon as possible. At the same time, the application of flood insurance in the Taihu Basin will also provide valuable experiences for flood insurance throughout of the country. Finally, based on the studies about flood insurance both at home and abroad, the author proposes some idea and the concrete steps for practicing flood insurance.