论我国巨灾保险模式选择及制度建设

Research on China’s Catastrophe Insurance Mode Selection and System Construction

我国作为一个自然灾害频发的国家,每年高额的巨灾补偿给国家财政背上了沉重的包袱。因此,探索一套适合中国国情的巨灾保险制度已成为我国经济发展过程中亟待解决的问题。本文首先对我国巨灾保险建立的重要性、必要性和现存问题作了简要介绍;然后重点通过对三种典型巨灾模式的对比分析,提出了我国应该选择政府与保险公司共同参与的巨灾保险制度模式;并在此框架下对巨灾保险制度建设提出了五点可行的措施。

Frequent natural disasters put on a heavy financial load in forms of catastrophe risk aids and compensa-tion on the nation. A catastrophe insurance system that best fits the current situation in China has thus become urgent. The article first briefly introduces the importance and necessity of establishing such a system as well as issues that may occur in the process. Then we focus on comparative analysis of three major modes of catastrophe insurance, and pro- pose a mode that involves both the government and insurance companies. Finally, we propose five plausible measures for the construction of catastrophe insurance system in the aforementioned framework.