摘要
在研究美国洪水保险理论、实践及我国洪水保险存在的问题基础上,指出我国应实行国家补贴的强制性、非盈利性、政策性的洪水保险;且洪水保险基金的主要来源为国家补偿费、保险费与防洪保护费三部分。同时,探讨了洪水保险的经营风险,并建议通过扩大承保面、实施洪水再保险来降低经营风险。
Through studies on application of american flood insurance and problems of chinese flood insurance, China should implement mandatory, non commercial and flood insurance of policy under allowance of government. The fund of flood insurance includes allowance fee of government and premium and protection fee of flood control. In the mean time, the business risk of flood insurance has been discussed and lowered via extending insurance coverage and practicing reinsurance.
出处
《水电能源科学》
2003年第4期81-84,共4页
Water Resources and Power
基金
国家自然科学青年基金项目(50209011)
国家自然科学基金重大项目(50099620)。
