韧性视角下城市灾害保险补偿机制的优化研究

Research on the Improvement of Urban Disaster Insurance Compensation Mechanism from the Perspective of Resilience

我国城市面临的灾害风险形势十分严峻。保险补偿机制有助于增强城市灾害抵御能力和恢复能力,对韧性城市建设有着多方面的积极价值。实践表明,当前我国保险机制对城市灾害的损失补偿比例较低,城市商业性灾害保险市场发展尚不完善,政府部门对灾害保险机制的运用缺乏积极性,保险机制的风险减量功能发挥还存在不足。文章针对上述问题剖析了背后的原因,并提出了针对性的政策建议。

The situation of disaster risk faced by cities is significantly serious.The insurance compensation mechanism helps to enhance the disaster resistance and resilience of cities,and has many positive values for the construction of resilient cities.Practice has shown that the current insurance mechanism in China has a relatively low proportion of compensation for losses caused by urban disasters,and the development of the urban commercial disaster insurance market is not yet perfect.Government departments lack enthusiasm for the use of disaster insurance mechanisms,and the risk reduction function of insurance mechanisms is still insufficient.This paper analyzes the reasons behind the above problems,and puts forward targeted policy suggestions.