建立我国巨灾保险制度的思考

On the Establishment of Catastrophe Insurance System

自然灾害的频繁发生所造成的损失逐年攀升。对于巨灾损失我国政府已习惯于采取财政的手段来应对一个个非预期的巨额窟窿,这在一定程度上影响了我国经济的健康可持续发展、社会稳定和国家安全。鉴于世界其他国家应对巨灾采取的再保险措施,我国政府可根据我国政治体制和法律完善程度来建立再保险市场,利用市场来分散巨灾风险,而非利用财政与自然"豪赌"。

With the frequent occurrence of natural disasters,the losses are increasing year by year.Chinese government has used fiscal means to deal with a huge amount of non-expected hole,which to some extent,affects the sustainable development of our economy,social stability and national security.In view of the world taken by other countries in response to catastrophe reinsurance measures,the Government can improve our political system and laws to establish the reinsurance market,use the market to spread catastrophic risk,rather than playing the 'gamble' with nature in the use of fiscal.