论保险业对台风风险的管理

Insurers＇ Management of the Typhoon Risk

2005年，台风在全球造成了数百亿美元的保险损失。国内市场的保险人应加强时台风风险的管理，制定相应的合理的风险管理政策：从产品使用上，有针时性地开发和使用台风风险相关的条款；紧缩台风灾害风险暴露严重地区的承保政策；加强台风风险费率厘定的独立性；加强台风风险暴露管理；巨灾风险分散要跟上业务的发展速度。

Typhoons led to billions of dollars of loss in the world in 2005. Chinese insurers should enhance their management of the typhoon risk and lay down corresponding risk management policies. They should develop and use provisions relevant to typhoon risks in their insurance contracts, tighten up underwriting policies in typhoon-prone areas, improve their independent capability of pricing typhoon risks, strengthen risk management on their typhoon exposure and ensure that spread of their catastrophic risks develops in line with their business growth.