巨灾保险衍生品

Derivatives from catastrophe insurance

巨灾保险衍生品将巨灾风险引入资本市场,扩大了巨灾保险的融资渠道,增加了保险市场的承保能力,已经成为巨灾保险的重要补充手段之一。系统总结了巨灾保险衍生品的发展过程,介绍了几种较常见的巨灾保险衍生品。由于我国巨灾保险正处于探索阶段,建议借鉴发达国家和地区的巨灾风险管理经验,将巨灾保险衍生品作为补充手段,推动我国巨灾保险的发展。

Catastrophe insurance derivatives have been adopted as supplements of catastrophe insurance. By this way, financing channels are diversified and the capacity of the insurance industry is improved by transferring catastrophe risk into the capital market. The evolution of catastrophe insurance derivatives is reviewed, and some types are introduced. Nowadays, the research on catastrophe insurance in China is on the groping stage, it is important to take successful experience at catastrophic risk management in some developed countries and regions as reference. Catastrophe insurance derivatives, as supplements, would be helpful to promote the development of catastrophe insurance in China.