巨灾风险证券化及在中国保险市场的应用

The Securitizatiorl of Catastrophic Risk and Its Appliance in Our Insurance Market

在分析了巨灾风险的损失频率与损失幅度的特点、传统保险与再保险对抗巨灾风险的局限性等方面的基础上,重点介绍了巨灾风险证券的几种产品类型,分析了各种风险转移方式的优缺点。最后,根据中国保险市场的特点,从应用环境和应用条件两个方面提出了开展巨灾风险证券化应用的若干设想。

On the basis of the analysis of the losing frequency's and the losing scope's characteristic in catas-trolhic risk and the limit of traditional insurance and reinsurance withstanding catastrophic risk,and so on, the article mainly introduces some kinds of production in catastrophic risk Securitization and analyses the advantage and disadvantage of them.In the end,basing on the characterisic of China's insurance market,some suppositions how to apply catastrolhic risk Securitization are provided from the applied environment and applied condition.