论建立我国巨灾保险保障体系

论建立我国巨灾保险保障体系

摘  要: 我国目前实行的是由国家财政支持的中央政府主导型巨灾风险管理模式，完备的巨灾保险体系尚未健全，保险在巨灾风险管理中的作用还没有得到充分发挥。我国应积极借鉴其他国家的先进经验，采取建立强制性巨灾保险制度；建立巨灾保险基金；实行商业再保险和国家再保险结合的分保安排等措施，最终实现市场机制和政府职能的有机结合，更好地实现社会效益和保险企业效益的双赢。

关键词: 巨灾，保障体系，保险，管理，资本市场，法律制度

Argue on the Foundation of CatastropheInsurance of Our Country
 
Abstract:China now practices a central government-led catastrophe risk management model depending on support of government financing .As a result, a  complete catastrophe insurance system is left to be established and the role of insurance in catastrophe risk management hasn’t been fully exploited. We should draw from other countries’experiences in this respect, installing a compulsory catastrophe insurance policy, setting up catastrophe insurancefund,, and adoping commercial reinsuranceand government reinsurance arrangements. The ultimate goal is to achieve an organic combination of the market mechanism and government function to realize a win-win result of  both social benefits and corporate fund.

Keywords: catastrophe, insurance system , insurance,the role of government, management,capital market , the system of law