创新运用保险技术分解社会风险探究

处于经济社会转型期的当代中国所面临的社会风险比以往任何时候更具复杂性和威胁性,社会风险管理面临严重挑战。通过阐述国际社会风险管理的新理念和趋势、分析现实中国的主要社会风险及其风险源,提出创新运用保险技术分解社会风险的必要性、可行性和现实路径及方法。重点提出通过商业保险对社会风险源的定性、定量分析,转化部分社会风险成可保风险,达到相应社会风险的被分解和预控。

Study on Social Risk Mitigation by Innovatively Adopting Insurance Techniques

Social risk management has become more challenging because the social risk in China exhibits more complicated and threatening characteristics than ever owing to the rapid and profound changes occurring in Chinese society today.This article reviewed the status and trends of social risk management in western countries,and studied the current main social risks and their sources in China.Furthermore,the paper presented the significance,possibility and implementation mechanisms of adopting innovative insurance principles and techniques to mitigate social risks,and specially focused on the pre-control and mitigation of social risk by applying such commercial insurance techniques as qualitative and quantitative analysis of social risk sources,and partial transfer of social risks to insurable risks.