| 国外巨灾保险体系及其对中国的启示 |
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| 引用本文： | 柴化敏.国外巨灾保险体系及其对中国的启示[J].经济与管理,2008,22(6):77-80. |
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| 作者姓名： | 柴化敏 |
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| 作者单位： | 安徽财经大学金融学院,安徽,蚌埠,233041 |
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| 基金项目： | 安徽财经大学校科研和教改项目 |
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| 摘 要： | 中国是世界上遭受自然灾害最为严重的国家之一，完善国家减灾救助体系具有十分重要的意义。建立中国多层次的巨灾保险体系，应从以下几方面入手：国家提供政策支持；巨灾保险实行低保额制度；巨灾保险应带有部分强制性；巨灾保险的经营应有多元化的风险分散途径；巨灾保险必须有法律的依据和保障。
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| 关 键 词： | 巨灾保险 巨灾再保险 巨灾保险基金 |
The Overseas Catastrophe Insuance System and the Enlightment to China |
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| Chai Huamin.The Overseas Catastrophe Insuance System and the Enlightment to China[J].Economy and Management,2008,22(6):77-80. |
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| Authors: | Chai Huamin |
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| Institution: | Chai Huamin (Financing School, Anhui University of Finance and Economics, Bengbu 233041, China) |
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| Abstract: | China is one of the most serious nations of natural calamity,which cause huge economy losses every year.So,it is significant to perfect the national system of reducing of natural disesters and rescue.Setting up China's multi-level catastrophe insurance system,we can start from the following aspects,such as nation supplying the policy suppor,the catastrophe insurance carrying the low-insurance premium system,the catastrophe insurance should be partly compulsory,the operation of catastrophe insurance should have the multi insurance dispersion method and the law security. |
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| Keywords: | catastrophe insurance catastrophe reinsurance catastrophe insurance fund |
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