巨灾风险管理:日本经验及其借鉴

Catastrophe Risk Management:Japan's Experiences and Implications

中国是自然灾害频发的国家,每年因灾损失惨重。目前中国尚未建立完备的巨灾风险分散机制,因此建立符合中国国情的巨灾保险制度已势在必行。日本是世界上建立巨灾保险制度比较成功的国家之一,相关的经验和做法对加快中国巨灾保险体系的发展有着重要的参考价值。本文利用日本官方的最新数据,重点介绍和分析了日本最具代表性的巨灾保险——农业保险和地震保险在立法、组织模式、运行机制及具体业务方面的经验及对中国的借鉴。

China suffers from frequent and costly natural disasters.Since a comprehensive catastrophe risk diversification and management mechanism is yet to be put in place,it is high time that China created a catastrophe insurance system in line with its socio-economic conditions.Japan is one of the world' s most successful countries in terms of catastrophe insurance system,and its practice and experiences may have valuable implications for China.Based on the latest official data of Japan,this article focuses on introduction and analysis of legislation,organization,and operation of Japan' s agricultural insurance and earthquake insurance,the country' s most typical catastrophe insurances,and their implications for China.