山东保险业参与海洋灾害风险管理存在的问题及对策研究

Problems and Countermeasures in Oceanic Disaster Risk Management Involved in Insurance Industry-Shandong Province Case

山东是我国海洋灾害较为严重的省份,每年因海洋灾害造成的直接经济损失达数十亿元。保险作为市场化的风险转移机制为山东海洋灾害风险补偿和救助发挥了巨大的作用,但目前山东保险业在参与海洋灾害风险管理过程中仍存在诸多问题。本文对这些问题及其根源进行分析,并有针对性地提出了相关对策。

The oceanic disaster is quite serious in Shandong province and cost billions every year.As a marketing risk transfer mechanism, insurance is useful to enhance the risk management of oceanic disaster. Taking Shandong for an example, this paper analyses the problems and reasons in oceanic disaster risk management involved in insurance industry, and put forward countermeasures to develop insurance on oceanic disaster.