摘要
目前,我国地震损失以国家财政补偿为主,以捐赠和救援为辅。这种完全依靠政府事后救灾的风险分散模式,虽有快速动员各种社会资源开展应急抢险救灾优势,却通常忽视事先依靠市场机制尤其是商业保险机制作用。本文从分析现行地震救灾体制存在的弊端出发,探讨了多层次风险分散机制下的地震保险优势,提出了完善中国地震巨灾保险的实践措施。
The earthquake insurance in our country relies mainly on national financial compensation, with donation and rescue as subsidiary. This kind of risk diversification, which totally depends on the government support after the disaster, ignores the function of market mechanism especially the function of insurance before hand, even though with the advantage of quick rescue with all kinds of social resources in. This paper, starting from the analysis of current earthquake rescue system, discusses the advantage of earthquake insurance under the system of multiple risk diversification, and puts forward some practical measures of improving the earthquake catastrophe insurance.
出处
《保险职业学院学报》
2017年第2期47-50,共4页
Journal of Insurance Professional College
关键词
巨灾保险
风险分散机制
实践与思考
Catastrophe insurance
Risk diversification mechanism
Practice and thought