我国农村开展巨灾保险的问题与对策研究

Research on the Problems and Countermeasures of Catastrophe Insurance in China's Rural Areas

当前我国巨灾保险制度建设第一步是建立城乡居民住宅地震保险制度。在广大农村,农房作为农民的主要家庭财产,地震等巨灾风险的保障需求很大。目前,我国很多地区已开展了农房保险,但是地震由于其巨灾性一般不包括在责任范围内。未来,随着巨灾保险制度逐步推开,如何在农村开展相关巨灾保险业务值得深入探讨。本文对未来在农村开展巨灾保险的一些核心问题进行探讨并提出相关建议。

At present, the first step in the construction of catastrophe insurance system in China is to establish residential earthquake insurance system for urban and rural residents. In the vast rural areas, farmhouse as a major family property of farmers,is needing earthquakes and other catastrophe risk protection. At present, many areas of China have carried out the farmhouse insurance, but the earthquake because of its catastrophe is generally not included in the scope of responsibility. In the future, with the catastrophe insurance system gradually pushed out, how to carry out the relevant catastrophe insurance business in rural areas should be in-depth discussion. This paper discusses some of the core issues of catastrophe insurance in rural areas in the future and puts forward relevant suggestions.