我国地震保险制度建设探讨

Discussion on the Establishment of Earthquake Insurance System in China

我国面临严重的地震风险。保险是有效应对地震风险的市场机制,建立地震保险制度对于维护社会稳定、减轻财政压力具有重要意义。目前我国对地震灾害的损失补偿主要采取国家财政和社会捐赠的形式,为了更好地应对地震风险,我国应借鉴国外成功经验,结合我国实际情况,充分发挥保险的损失补偿功能,建立适合我国国情的地震保险制度。

Insurance is a market mechanism to effectively respond to the earthquake risk, and an establishment of earthquake insurance system plays an important role in safeguarding social stability and reducing fiscal pressure. In order to respond to the earthquake risk effectively, we should give full play to the insurance function of compensate loss with the reference of successful foreign experience and practical reality in our country, and thus establish an earthquake insurance system suitable for the reality in China.