摘要
中国是世界上自然灾害最为严重的国家之一,但巨灾保险缺失。通过对日本地震保险、新西兰地震保险、美国加利福尼亚州地震保险、美国国家洪水保险、英国洪水保险和美国佛罗里达州飓风保险进行研究后发现,商业保险市场无力支撑巨灾保险,政府的界入是必要的和有益的。中国应以地震保险为试点尽早建立政府支持的巨灾保险制度。
China is one of the countries that are most vulnerable to the natural catastrophes, however, it lacks of catastrophe insurance. Through the study of Japan＇s earthquake insurance, New Zealand＇s earthquake insurance, California＇s earthquake insurance, American national flood insurance programme, British flood insurance and Florida hurricane insurance, the paper finds that catastrophe insurance cannot be sustained by the private insurance market and the intervention by the government is necessary and beneficiary. China should establish a system of catastrophe insurance backed by the government as soon as possible through the test of earthquake insurance.
出处
《北京航空航天大学学报（社会科学版）》
2012年第3期46-55,共10页
Journal of Beijing University of Aeronautics and Astronautics：Social Sciences edition Edition
基金
教育部人文社科研究青年基金资助项目(10YJC820180)
中央高校基本科研业务费专项资金项目(YWF1006008)
关键词
自然灾害
巨灾保险
政府界入
natural catastrophe
catastrophe insurance
intervention by the government
