摘要
灾害是不可抗力对相当大的一部分人口范围(公共体)构成严重剥夺的过程和现象。灾害作为公共风险,成为"公共体"共同面临的巨额损失时,就需要另一种制度的安排——社会制度的安排,这种社会制度如何安排,对"公共体"的公平良序有着至关重要的意义。因为灾害风险是准公共产品,不可能用完全的私人市场机制来分担风险损失,因此我们提出建立政府主导下的公共部门(P)-市场(M)-公众(P)为一体的宏观保险模式,是一个具有中国特色的灾害损失补偿体系。
Disaster is a process of depriving the property of a significant part of the population （public body） caused by irresistible devastating forces. When the disaster, as a public risk, causes huge losses for the public body, there should be a specific social system to handle this. How the system works is crucial to keeping a good order and equity among the public body. As disaster risk is a quasi-public product, it is impossible for a private sector to relieve the losses. So we propose to establish an integrated government-led insurance model comprising of public sector （P） , market （M） , and public body （P） , or the P-M-P model, as a disaster compensation mechanism with Chinese characteristics.
出处
《保险研究》
CSSCI
北大核心
2013年第9期105-111,共7页
Insurance Studies
关键词
灾害
公共体
公共风险
宏观保险模式
disaster
public body
public risk
macro insurance mode
