中国巨灾债券探索与应用的现实与政策建议

On Actuality and Policy Suggestions of the Exploration and Application of Catastrophe Bond in China

巨灾债券对于提高保险公司的巨灾承保能力是至关重要的,因此安徽财经大学金融学院大学生科研创新基金项目的申报采用相关主题,并获得编号为JRXY2015018的立项,在此将研究成果整理为本文内容。本文从巨灾债券的国内外发展入手,分析了巨灾债券在我国发展的必要性,并设计巨灾债券的运作机制,建立巨灾债券的定价模型,重点针对我国巨灾债券发行过程中存在的问题和解决的方法进行深入的思考,希望对我国巨灾债券的实践有所裨益。

Catastrophe bond is of significance for improving the catastrophe insurance ability of insurance company.Therefore,the related theme was selected in university scientific research innovation fund projects in Financial College of Anhui University of Finance and Economics,set up with the No. JRXY2015018 and its research results are the content of the paper. The research,starting from the development of catastrophe bond home and abroad,analyses the necessity of catastrophe bond in China,designs its operation mechanism of catastrophe bond,builds up its pricing model,with an emphasis on the deep thinking of problems and measures during its release process in China,with the hope that it would be beneficial to its practice in China.