洪水保险现状及我国洪水保险体系构建的关键问题浅议

Current flood insurance on the key issues of system-construction in China

我国是世界上洪水灾害最为频发的国家之一,每年由于洪涝灾害造成的直接经济损失不断攀升,严重影响了经济发展和社会稳定。洪水保险作为一项重要的行之有效的洪灾风险管理手段,对于防洪减灾具有重要的意义,因此,建立一套适合我国实际情况的洪水保险体系已迫在眉睫。本文介绍了国内外学者在洪水保险政策、体制、模拟模型与数据管理等方面的研究,评述了国内外洪水保险模式、立法及实践,对国内外洪水模式进行了比较,指出了我国洪水保险体系构建面临的关键问题,并针对这些问题提出了一些建议。

China is one of the most flood-prone countries in the world,and the flood-caused economic loss constantly rising every year which seriously affects the economic development and social stability.As an important and effective tool of flood risk management,flood insurance is of significance for flood control and disaster mitigation.Therefore,building up a flood insurance system which is best suited to China＇s actual situation has become more and more imminent.First,research results on flood insurance policy,system,simulation models with data management by the domestic and foreign scholars were introduced.Then,flood insurance models home and abroad,legislation and practice were described and evaluated.Further,flood insurance models home and abroad were compared.Finally,the key issues with system-construction of flood insurance in China were investigated,and some suggestions were pointed out accordingly.