应对恐怖主义的保险机制研究

Terrorism Risk Insurance

政府需要制定应对大规模恐怖袭击的损失补偿机制。由于商业保险市场无力承担大规模恐怖袭击风险,因此需要政府的介入。政府可通过公共财政对商业保险公司承保恐怖袭击风险进行支持,并建立起商业保险公司、恐怖风险再保险公司和公共财政多层次的共同分担赔付责任的保险体制。

The government should establish compensation system for the loss caused by large scale terrorism attack. In view of the inability of the private insurance market, the government should intervene in the terrorism risk insurance market. The government could support the private insurer to insure the terrorism risk through the public finance, and establish co-pay insurance system with multiple layers coverage among the private insurer, terrorism risk reinsurer and public finance.