新的洪水保险机制研究

Study on a new flood insurance mechanism

该文总结了我国的洪水现状,并对美国、英国和德国等国的洪水保险做了简单回顾。同时对我国理论界的洪水保险作了简单分析。洪水保险是一项重要的非工程防洪措施,是行之有效的洪灾风险管理手段,已被越来越多的国家所重视,但我国目前还处于探索阶段。文中借鉴美国等国家有关洪水保险的经验,根据我国的现状和问题,提出我国洪水保险可以遵循的模式,从而建立一套适合我国的洪水保险体制。

This paper summarize the current situation of flood in China, and also review the USA, England, German＇s flood insurance system. The theoretical flood insurance in china is also simply discussed. As an important non--structural measure to control flooding and an effective instrument of flood risk management,flood insurance has been paid attention in many countries. However, which is still in,the exploration phase in china. Through comparing the other countries＇ flood insurance system, the paper provides a mechanism to be used in China.