我国巨灾风险管理模式的设计及其运作

The Design and Operation of China’s Catastrophic Risk Management Pattern

商业化、事前补偿的巨灾保险是巨灾风险管理发展的趋势。我国应该逐步构建以政府为主导,涵盖政府、保险公司、再保险公司、资本市场和潜在受灾者五个主体的巨灾风险管理模式。在实际运作中,要考虑巨灾保险承保、保险公司巨灾风险转移和区分潜在客户等。

The commercial andpre-compensation catastrophe insurance is the development trend of catastrophe risk management. China should gradually build a government-led catastrophic risk management model , covering government, insurance companies, reinsurance companies, capital markets and potential victims of five main business. In practice, we must consider the catastrophic insurance underwriting, insurance catastrophe risk transfer and distinguish between potential customers and so on.