巨灾保险服务国家巨灾应急管理研究

自上世纪80年代起,我国政府相关部门便联合科研院所和保险机构开展了巨灾风险和巨灾保险研究。时至今日,巨灾保险在制度建设、产品设计、机制完善等方面取得了长足的进步,但仍面临着覆盖率不足、运行基础不牢靠,对于提升社会治理效能作用不明显等问题。笔者基于本身的行业实践,采用主题分析法,对巨灾保险发展的背景和现状进行梳理,并对巨灾保险进一步服务国家应急管理提出建议。

Since the 1980s, some departments of the Chinese government have carried out catastrophe risk and catastrophe insurance research jointly with scientific research institutes and insurance institutions. Up to now, catastrophe insurance has made great progress in system construction, product design, mechanism improvement and other aspects, but it still faces problems such as insufficient coverage, unstable operation basis,and insignificant effect on improving social governance efficiency. Based on its own industry practice, the author uses the subject analysis method to sort out the background and current situation of the development of catastrophe insurance, and puts forward suggestions for further service of catastrophe insurance to national emergency management.