巨灾保险经营模式中政府干预市场的“困局”及突破途径

The Dilemma of Government Intervention into Market Operation in the Catastrophe Insurance Operation Model and Breakthrough Route

巨灾保险经营模式是各国巨灾保险制度建设过程中面临的首要问题。它决定了一个国家巨灾保险制度的性质以及由谁"兜底"问题。从国际经验及我国国情分析,采取"政府主导,市场运作"是一种较好的模式选择。在这一模式的基础上,从政府干预市场中存在的"困局"这一视角对巨灾保险经营模式进行研究:即公平与效率目标的取舍、政府是否应过早过多干预市场以及如何定位政府的最终角色中进行权衡,并提出了政策建议。

The choice of catastrophe insurance operation mode is a question of top priority confronted by every gov- ernment in outlining catastrophe insurance scheme, for it decides the nature of the scheme and answers the question about who will he the final insurer. The paper made a review of the experiences from other countries and analyzed the domestic market, and held that an ideal mode for China was ＂market operation under government leadership＂. Based on this point of view, the paper discussed the trade-off between the goals of fairness and efficiency, the timing and force of government intervention, and the ultimate role of government in catastrophe insurance scheme from a u- nique perspective of government intervention dilemma analysis.