我国洪水保险的制度设计探讨──美国洪水保险制度的借鉴与启示

A discussion on the development of flood insurance system design in China——Experience of the natiomal flood insuravrce,program of the United States

洪水保险是一项重要的非工程防洪措施,是行之有效的洪灾风险管理手段。本文首先对美国的洪水保险运行特点进行了较为详细的阐述,并通过对中美两国洪水保险开展情况的比较分析,提出适合我国国情的洪水风险防范措施和保险制度框架的一些建设性意见。

Flood insurance is an important non-structural measure to control flooding and an effective instrument of flood risk management.After discussing the flood insurance operating mode of the United States,this paper attempts to find the flood risk prevention measures and flood insurance system appropriate in the Chinese context through a comparative ana1ysis of the differences of basic national conditions between China and the United States and presents some policy recommendations