摘要
5.12汶川地震引发了人们对地震风险承担机制的思考,保险作为一种化解风险的手段,不能被有效运用于地震风险的分散。本文通过对国外地震保险基金设计模式的分析,旨在探索一种能使保险业在抗震救灾中发挥重要作用的路径,主张借鉴国际经验,建立地震保险基金,充当我国地震保险的再保险人,增强地震风险承担能力,确保地震一旦发生,灾区人民能够通过保险渠道获取稳定的重建资金,从而减轻国家财政负担。
With 5.12 Wenchuan Earthquake, People more seriously consider the dispersing mechanisms of earthquake risk, insurance as a means to resolving risk can not be effectively applied.Through the analysis of foreign earthquake insurance fund model designed, we aimed at exploring a way that insurance industry plays an important role in earthquake relief. Advocated learning from international experience, earthquake insurance fund is established, serving as China′s earthquake reinsurance company, to enhance resistance of earthquake risk, and to ensure that people get funds for. the reconstruction through the channels of insurance in the event of an earthquake.
出处
《未来与发展》
CSSCI
2009年第4期12-18,共7页
Future and Development
关键词
地震保险
保险基金
风险承担
基金机制
Earthquake insurance
Insurance fund
Undertaking risks
Fund mechanism
