摘要
本文从金融功能观的角度出发对我国的巨灾损失补偿体系进行研究。首先分析了巨灾风险在经济学上的特征,指出巨灾损失分担的必要性和难点;其次,在对金融功能观介绍的基础上提出我国对巨灾损失补偿体系的需求特征—时空的二维损失分担,接着从我国目前损失分但体系的现状出发探讨其功能缺陷;最后,从金融功能观角度探讨我国巨灾损失分担体系供给的战略取向,同时给出一个典型巨灾损失补偿机制的图示。
This paper researches the compensation system of our country＇ s catastrophe losses from the perspective of the financial function. First of all, we analyze economic characteristics of the catastrophic, and point out the necessity of using effective means to share the catastrophe losses and some difficulties resolved. Second, after introduction of the financial functions, we propose the two - dimensional space - time characteristics in compensating catastrophic losses. Then based on the current status of catastrophic losses, We explore their disability. Finally, based on the perspective of financial function, we explore strategic direction about compensation system of catastrophic losses in China. Also, a typical chartabout catastrophe loss compensation mechanism is given in the end .
出处
《保险职业学院学报》
2009年第1期5-8,共4页
Journal of Insurance Professional College
基金
教育部重点研究基地重大课题"实验金融学及其在中国的应用研究"(课题编号:2007JJD790142)的资助
关键词
巨灾损失补偿
金融功能观
巨灾保险
巨灾债券
Catastrophe losses compensation
bonds Financial functions
Catastrophe insurance
Catastrophe
