试论建立我国商业巨灾保险制度

Commercial Catastrophe Insurance System: Urgency for Establish in China

逐年增多的自然灾害对我国的影响日益严重 ,灾损补偿是恢复生产力的重要途径 ,但现有不健全的灾损补偿体系极大地影响了灾后重建工作。在探讨了商业保险公司开办巨灾保险的必要性和可能性后提出 ,要建立有效的巨灾补偿制度可以采用商业保险的途径 ,并给出相应的建议。

Increasing natural disasters surge in recent years have great impact in our country. It is important of the indemnity to catastrophic loss to restitute production. However, the limited catastrophe indemnity system in China is not fit for the reconstruction after disasters. In this paper, the necessity and probability of offering business catastrophe insurance by property insurance companies are discussed and relative suggestions for government and insurance companies on how to set up a new efficient catastrophe indemnity system in China are proposed.