我国巨灾保险制度构建之方向——以新西兰、日本两国为参照

The Constructive Direction of China's Catastrophe Insurance System:Taking Japan and New Zealand as an Example

保险业在我国巨灾风险应对中的作用比较有限,巨灾保险制度也尚处于探索和尝试阶段。借鉴国外的成功经验,探索和制定适合我国国情的巨灾保险制度,为现实所必要且必需。本文对日本、新西兰两国巨灾保险制度,尤其是地震保险制度进行了对比分析,总结两国制度之共性,结合我国国情,探讨我国巨灾保险制度构建之方向。

The role of China＇s insurance industry is relatively limited in China＇s catastrophe risk and the catastrophe insurance system is also in the stage of exploration and trial.It＇s necessary for us to learn the successful experience of foreign catastrophe insurance system and to explore and establish some catastrophe insurance systems suitable for China.In this paper,with a comparative analysis of the catastrophe insurance system,especially the earthquake insurance system in Japan and New Zealand,we got the general character of the two country＇s insurance system and discussed the constructive direction of China＇s catastrophe insurance system based on the differences analyzed through the aspects such as the insurance way,the main operator,the amount insurance limit and the government responsibility and China＇s actual conditions.