我国农房保险与巨灾保险的衔接问题

Study on Interlinkage Between Farmhouse Insurance and Catastrophe Insurance in China

通过对相关政策法规的分析,发现我国农房保险制度与以城乡居民住宅地震巨灾保险为代表的巨灾保险制度在保障民生、政府主导、市场运作、保险标的、基础保障等方面存在着一定的相似性,在受益对象、承保风险、保险金额、费率厘定、保险方式、风险转移、责任分担等方面也存在差异性,二者将在一段时期内并存。进一步探讨农房保险未来发展趋势及其与城乡居民住宅地震巨灾保险在功能重叠、财政压力、民众选择等方面可能产生的冲突,从制度安排、功能设置、政策引导指明其衔接必然性,最后从责任范围、保费补贴、人身保险、管理机构等方面探讨了其衔接难点和并轨途径。

The findings of the relevant policies and regulations show that in China the system of farmhouse insurance and the system of catastrophe insurance are similar in the protection of people＇s livelihood, government dominance, market operation, subject matter of isurance and basic safeguard, yet they are different in the object of benefit, risk of insurance acceptance, premium, rate establishment, insurance mode, risk transfer, apportionment of liability, etc. Both of the systems will co-exist in a certain time. This paper discusses the tendency of the farmhouse insurance and its would be conflicts with the catastrophe insurance about the urban-rural houses caused by earthquake in the overlap of functions, finance load and people＇s option. The arrangement of s and policy guidance have decided the necessity of interlinkage. The difficulties of interlinkage coverage, premium subsidy, life insurance and regulator, yet these have a way to incorporate. ystem, function set lie in the insurance coverage, premium subsidy, life insurance and regulator, yet these have a way to incorporate.