自然灾害、巨灾保险与政府主导

近年来,中国各地频频发生地震、干旱、洪水等自然灾害,给人民群众的生命和财产造成了损失,影响了社会经济的运行。巨灾保险作为一种有效转移自然灾害风险的市场手段,对分担巨灾带来的经济损失、稳定社会经济发挥着重要的作用。而当前中国巨灾保险体系的建设还离不开政府的主导推动,只有政府和保险公司紧密合作,加大巨灾险种的引进创新,利用好再保险和巨灾保险基金等多样化风险转移工具,尽快构建巨灾保险体系,才能有效保障中国经济继续保持又好又快增长。

Natural Disaster, Catastrophe Insurance and Dominated by the Government

In recent years,earthquakes,tsunamis and other catastrophes outbreaks frequently around our country and caused harm to people’s life and property,and affected the economy running.Catastrophe insurance,as an effective means of avoiding the risk of the economy,plays a significant role in sharing the economy losses and stabling economic development.But China’s current catastrophe insurance system construction cannot leave the government leading,only the government and insurance company closely cooperating and increasing introduce innovation of catastrophe risk,making good use of diversification risk transfer tools,such as reinsurance and catastrophe insurance fund,constructing catastrophe insurance system,to effectively safeguard China’s economy continue to maintain growth nice and fastly.