我国巨灾保险体系研究

我国巨灾保险体系研究

【摘要】巨灾风险已经威胁到人类社会的可持续发展。我国也是世界上遭受自然灾害最为严重的国家之1，每年造成的损失给政府财政带来巨大压力，传统意义上的保险经营方式也难以有效地应付日益严重的巨灾风险，因此，需要我国尽快建立起1个完善的巨灾保险体系。本文将从巨灾风险的再保险，巨灾保险的证券化，建立巨灾保险基金以及防御机制4个方面来对我国建立和完善巨灾保险体系提出1些建议。

【关键词】巨灾风险  巨灾保险   体系   再保险   证券化  风险防御机制  巨灾保险基金

Research on the catastrophe insurance system of China
 

 Abstract: The catastrophes risk has threatened the sustainable development of human society .With a large area ,China also is a place where natural risk occurs frequently.  Every year, the economic loss which cause by catastrophe creates enormous stress for public finance.The traditional management of insurace is dwarfed by the catastrophe .So the government must constitute a catastrophe insurance system as soon as possible. Combined with large amount of experience data and latest research fruit from home and abroad  this paper executes empirical analysis and criterion analysis to have system analysis and study on reinsurance and insurance risk securitization.And offer some advice on how to constitute a catastrophe insurance system.

Keywords:catastrophe risk, catastrophe insurance, system,reinsurance, securitization risk prevention mechanism，catastrophes insurance fund