摘要
巨灾保险体系的建构是灾害救助制度建设的一个重要层面。我国的巨灾发生频率高,造成的损失也呈扩大之势,这一事实使得巨灾保险制度的构建一再成为业内人士关注的焦点。然而我国保险业起步晚,巨灾保险制度更是存在很大的局限性,由于政府尚未建立完善的巨灾风险管理机制,构建巨灾保险制度困难重重。本文在借鉴国际巨灾保险制度建设经验的基础上,探讨了其对我国巨灾保险制度建设的启示,并针对我国巨灾保险制度建设存在的问题,提出了相应的政策建议。
The construction of Catastrophe Insurance System is an important aspect in the institutional building of calamities aid. Catastrophe occurs in a high frequency in our country and the loss which caused has being expanded. This fact focuses the people' s eyes who are professional in this field on the construction of Catastrophe Insurance System again and again. However, insurance sector started late in our country, there are so many limitations in the development of Catastrophe Insurance System. Since our government has not established a sound mechanism for Catastrophic Risk Management, Catastrophe Insurance System building is confronted with many difficulties. This article, based on the international experience in this area, discusses the enlightenment they bring us to construct Catastrophe Insurance System. At the end, it analyzes the problems existing in constructing this system in China, and puts forward a few policy recommendations on the basis of our study.
出处
《中国行政管理》
CSSCI
北大核心
2008年第10期117-121,共5页
Chinese Public Administration
关键词
巨灾保险
巨灾保险基金
商业保险公司
catastrophe insurance, catastrophe insurance fund, commercial insurance companies