努力发挥保险在巨灾风险管理中的作用 为社会主义和谐社会建设作贡献

Playing the insurance industry's role in catastrophe risk management,contributing to the construction of a harmonious society

如何对巨灾风险进行有效管理,是世界范围内的难题和重大课题,也是当代保险业面临的严峻挑战。2008年初我国南方部分地区发生的严重低温雨雪冰冻灾害,保险业在抗灾救灾工作中发挥了积极作用。巨灾风险的基本特点主要是突发性强、风险结构复杂、损失程度大,所以,推动建立适合我国国情的巨灾风险管理体系已经成为当务之急。建立完整有效的巨灾风险管理体系,财政支持、巨灾保险和社会救助三方面缺一不可,而保险这种市场化机制应该发挥重要作用。保险业应该抓住难得的发展机遇,加快推进我国巨灾风险管理体系建设。扩大保险覆盖面,全方位参与巨灾风险管理;努力提升保险业自身能力,全过程参与巨灾风险管理;加强相关研究,逐步建立完善巨灾保险制度。

How to effectively manage the catastrophe risks is a difficult and major issue all over the world and a significant challenge faced by the modern insurance industry as well. In early 2008, a serious snow storm coupled with low temperature and sleet broke out in southern China. The insurance industry played an active role in the disaster relief work. Catastrophe insurance is characterized by abrupt occurrence, complicated risk structure and heavy losses. It has become an urgent task to establish a catastrophe risk management system fitting with China＇s specific situations. In dosing so, the three aspects of fis- cal support, catastrophe insurance and social relief are indispensable, while the catastrophe insurance as a market mechanism is expected to play an important role. The insurance industry should capture this hard-to-get opportunity to establish a catastrophe risk management system as soon as possible. We should expand insurance coverage and participate in full-range catastrophe risk management, studiously improve the industry＇s competence and get involved in full-length catastrophe risk management, and strengthen relevant research work to establish a catastrophe insurance system gradually.