摘要
在巨灾风险管理中,政府的干预是必不可少的。如何准确定位政府的角色,直接影响到管理的效果。本文从防灾救灾及应急机制和发挥保险的作用等方面阐述我国政府在巨灾风险管理的实践与不足。分析国际巨灾保险计划成败的原因。提出我国政府在巨灾风险管理中的角色:主持制定管理计划和相关的立法工作;指定专门部门,承担协调各灾害主管部门的关系;财政支持建立巨灾风险基金,扮演再保险人的角色参与损失分担;建立巨灾风险分担机制,明确各主体的责任。
In the management of catastrophe risk, the necessity of government intervention is justified by its direct effectiveness. This article offers the factors that lead to the failure or success of international catastrophe insurance plans. Then it analyses the practice, and weak points of Chinese government in managing catastrophe risk, such as disaster prevention and deduction, emergency response mechanism, and promoting insurance. At the end of the article, the author points out that the role of Chinese government in managing catastrophe risk should be： planning administrative measures and relevant legal provisions; appointing the department in charge of harmonizing all the sectors involved ; fiscal support for establishing catastrophe risk fund ; reinsuring and risk sharing; establishing the sharing mechanism of catastrophe risk by specifying the responsibility of all the parties.
出处
《保险职业学院学报》
2009年第1期43-48,共6页
Journal of Insurance Professional College
关键词
巨灾风险管理
资源分配
市场机制
灾害损失
角色定位
Catastrophe risk management
Resources allocation
Market mechanism
Catastrophe loss
Role definition
