建立我国地震保险制度的思考

Reflections on the Establishment of Earthquake Insurance Systems in China

我国属地震多发国,目前对地震灾害的损失补偿主要依靠政府财政和社会捐赠,这种补偿方式不能满足灾后重建的资金需求。为了更科学有效地应对地震风险,必须建立适合我国国情的地震保险制度。政府要加快地震保险立法工作,推动地震保险工作的开展;要构建多层次的地震风险分担机制,有效分散地震风险;要加强地震保险技术研究,提高地震风险管理水平。

China is an earthquake-prone country. Currently the loss compensation for earthquake has mainly taken the form of government financing and social donations, which are difficult to meet the funds demand for post-disaster construction. In order to more effectively and scientifically cope with the earthquake risk, an earthquake insurance system compliant with the actual situations of our country should be established. The government should speed up earthquake insurance legislation, promote earthquake insurance development, build multi-level seismic risk-sharing mechanism in order to effectively disperse seismic risk, and strengthen the earthquake insurance technical studies so as to improve the level of earthquake risk management.