新型农村住宅合作抗震救灾保险机制初探

Preliminary research on new cooperative earthquake-resistance and disaster relief system for rural buildings in China

通过对目前农村住宅抗震救灾现状的分析,借鉴我国农村新型合作医疗的模式,提出了一种村民、集体和政府共同集资,共同承担住宅地震风险的新型合作抗震救灾保险机制。对农村住宅合作抗震救灾保险机制提出了初步设想,提出了确定农村住宅合作抗震救灾参保费需要考虑的因素,提出了农村住宅合作抗震救灾年缴纳费用的建议值。通过问卷调查的形式初步研究了农村住宅合作抗震救灾保险制度的可行性、保费的多少以及个人和政府的合理出资比例等问题。

On the basis of the analysis of the status of earthquake-resistance and disaster-relief for rural buildings,consulting the rural cooperative medical insurance system in China,a new cooperative earthquake-resistance and disaster-relief system for rural buildings is put forward.In this system,earthquake risk of rural buildings and insurance expense are undertaken together by farmers and government.And then,the basic structure about the cooperative earthquake-resistance and disaster-relief system is given.The primary influencing factor to determine the insurance-expense is presented.By use of questionnaire investigation,the feasibility of the rural cooperative earthquake-resistance and disater relief system is studied and the insurance expense and the rational proportion between the farmers and the government are discussed.