日本地震灾害保险体制的形成及其问题

Introduction to earthquake insurance system in Japan

日本是个地震多发的国家,地震灾害给日本民众带来了巨大的生命和财产损失。为了减轻灾民的经济负担,快速有效地进行灾后重建和复兴,日本建立了一套地震灾害保险体制。对日本的地震保险制度建立的背景、地震保险制度的内容以及地震保险的普及状况等进行了系统的介绍,同时对日本政府和地震再保险公司在地震保险中的地位、作用、各自的责任以及相互关系作了详细地介绍,最后就日本地震保险制度中存在的问题以及今后的课题等进行了分析和讨论。

Japan is a country with frequent occurrence of the earthquake. Earthquake disaster has brought about seriousthe loss of many people's life and property. In order to reduce victim's economic burden and promote postdisaster rehabilitation and reconstruction effectively,a set of earthquake insurance system has been built in Japan. The background, contents of the earthquake insurance system and the popularization earthquake insurance in Japan were introduced.The position, role and responsibility of Japanese government and reinsurance company and their correlation were described .Finally,the problems and subject to be researched were discussed.