美国ART市场的产生及发展启示

Inspiration from the Advent and Development of ART Market in the United States

随着人们对传统“不可保”风险的保险需求的加大，“非传统风险转移”市场即ART应运而生。目前在ART市场中风险自留组织和自保公司成为佼佼者，发展异常迅速。本文通过对ART市场快速发展的原因和未来发展方向的总结，得出时中国保险业发展ART市场的启示。

Increasing demands for insurance of traditionally uninsurable risks triggered the advent of ＂ahemative risk transfer＂ （ART）. Today, risk retention organizations and captive insurance companies are leading the ART market which is expanding rapidly. This article summarizes the reasons for ART＇s rapid development and their future direction of development and reflects on demands of ART in China＇s insurance market.