深圳市台风保险风险分散问题研究

A Brief Analysis on the Risk Dispersionof Typhoon Insurance in Shenzhen

深圳作为我国南部沿海城市,频发的台风灾害对其造成了重大经济损失。虽然其于2013年9月便成为我国首批巨灾保险试点地区,对巨灾险种设计进行了诸多尝试,积累了较为丰富的经验,但由于台风巨灾风险的集中性,导致了现今深圳市台风保险仍存在承灾能力差、主体责任分担不明确等问题,大大阻碍了当地台风保险的发展。因此,文章以深圳市台风保险为出发点,结合美国佛州飓风保险、日本地震保险、宁波台风保险的风险分散体制的特点,并就具体状况对深圳市"三位一体"险种风险分散框架进行探讨,为深圳市台风保险风险分散的不足之处提出改善意见,旨在为深圳市台风巨灾保险的完善和沿海地区台风保险的构建提供参考。

As a coastal city in the south of China, the frequent typhoon disaster has caused great economic losses. Even if its became the first pilot area catastrophe insurance in our country on September 2013, many design of catastrophe risks trying, accumulated relatively rich experience, but because of the typhoon catastrophe risk concentration, led to ability difference is not clear, the main body development of local typhoon insurance. So today＇ Shenzhen typhoon insurance is still hazard-affe and responsibility share of loopholes, greatly hindered in this paper, the Shenzhen cted the typhoon insurance as the development of local typhoon insurance. So in this paper, the Shenzhen the typhoon insurance as the starting point, combined with Florida hurricane insurance,Japan earthquake insurance, Ningbo typhoon insurance risk diversification system, research the characteristics of catastrophe insurance system, and the specific conditions of Shenzhen ＂trinity＂： a decentralized framework were discussed, for the deficien cy of Shenzhen the typhoon insurance risk dispersion improvement Suggestions, aims at the improvement of the shenzhen the typhoon catastrophe insurance and typhoon insurance construction of coastal areas to provide the reference.