公私伙伴合作应对巨灾挑战:国际经验与启示

Public-private Partnership for Catastrophic Risk Challenges:International Experiences and Lessons

公私伙伴合作模式是指政府和保险公司在风险意识、风险防范和风险转移三方面分工协作,共同承担责任的巨灾风险管理模式。二者的结合能够充分发挥公共和私人部门各自的比较优势,取长补短,共同建立和完善巨灾保险制度。本文在分析商业化运作模式和政府主导模式弊端的基础上,说明了公私伙伴合作模式的优势;阐明了公私伙伴合作模式的内容和类型;指出了该模式对我国巨灾风险管理的启示。

The partnership model between the government and insurance companies is an internationally mainstream model of catastrophe risk management in which the public and private sectors can take comparative advantages of each other to jointly establish and improve the catastrophe insurance system.This paper emphasizes the advantages of the Model of Public-private Partnership while analyzing the disadvantages of the Market-oriented Model and the Government-led Model;presents the contents and types of the Partnership Model;concludes with policy implications of the Partnership Model for catastrophe risk management in China.