关于我国实行巨灾保险证券化的思考

我国是世界上自然灾害最为严重的国家之一,但至今尚未建立巨灾风险化解体系。文章结合我国目前实际情况,从传统保险风险分散方式、资本市场利益主体等方面研究我国巨灾保险证券化的必要性和动因,比较了巨灾保险风险转移方式的优劣,分析了巨灾保险证券化需具备的条件,并指出了我国实施巨灾保险证券化的需要解决的问题。

China is one of the countries in the world that suffers a lot from the serious natural disasters, but the conversion system of catastrophic risk has not been set up. In combination with the current situation in China, the article analyzes the necessity and the motivation of the catastrophe insurance securitization from the aspects of traditional way to spread the risks, the main interest in the capital markets and so on. Then it com- pares the pros and cons of the conversion system of catastrophic risk and analyzes the conditions of the catastrophe insurance securitization, then points out the problems in China＇ s catastrophe insurance securitization.