论洪水保险的政府介入

On the Intervention of the Government in Flood Insurance

本文从经济学的公共品理论出发分析,认为洪水保险是一种"准公共物品",在此基础上,阐述了我国政府介入洪水保险的必要性,认为政府应当在法律法规的制定实施、基本理论的研究、洪水保障基金的建立、税收优惠政策制定、洪水保险宣传和普及等方面对洪水保险进行介入,以确保我国洪水保险的顺利开展。

From the aspect of public goods theory,the flood insurance can be viewed as a kind of quasi-public goods. On the basis of this theory,this article stated the necessity of government intervention to flood insurance in China,and echoed that government should emphasize the intervention in the flood insurance from the followings aspects,which include the development and execution of relevant laws and regulations,theoretical researches,establishment of flood security funds,development of favorable taxation policies,the publicity of flood insurance,etc.,then to make sure the flood insurance can develop smoothly in the whole China.