国际巨灾保险基金运作模式的选择与比较

On the Selection and Comparison of Operation Models of International Catastrophe Insurance Funds

随着全球巨灾风险事件不断发生,巨灾风险管理制度建设意义凸显,特别是巨灾保险基金的建立,为巨灾应急与损失补偿提供了雄厚的资金基础与制度保障。本文考察了美国、英国、土耳其和加勒比地区的巨灾保险基金,对其中三种基金运作模式从融资、投资、管理机构、损失分担等方面进行了详细地对比研究,并从中探求适合我国国情的巨灾保险基金运作模式及发展思路。

Constant occurrence of global catastrophe risk events highlights the significance of constructing catastrophe risk management systems. Especially, the construction of catastrophe insurance funds provides abundant funds and institutional guarantee for emergency handling and loss compensating. By virtue of inves- tigating catastrophe insurance funds in the US, UK, Turkey and Caribbean areas, this paper makes a de- tailed comparative study of these three operation models in terms of financing, investment, administrative or- ganization and loss sharing in order to explore suitable operational models and development directions of catastrophe insurance funds for China.