洪水灾害的风险特征及保险制度设计

随着经济社会的快速发展,洪水灾害带来的经济损失越来越严重。在厘清洪水灾害风险的高危险性、承载体的强脆弱性以及可保性的基础上,从洪水保险的风险主体、资金筹集、费率计算与调整、洪水保险的再保险制度4个方面设计洪水保险产品。洪水保险兼具时间和空间维度上的风险分担性,完善洪水保险相关立法、建立洪水保险组织机构、构建多元资金筹集体系、推进洪水保险风险证券化、强化洪水保险制度监管有助于推进洪水保险制度的设计与发展。

Risk characteristics of flood disasters and design of insurance system

With the rapid development of economy and society, the economic losses caused by flood disasters are more and more serious. On the basis of clarifying the high risk of flood disasters, the strong fragility of bearing body and the analysis of insurable capability, the flood insurance products are designed from four aspects of risk subject, fund raising, rate calculation and adjustment of flood insurance and reinsurance system of flood insurance. The flood insurance has the risk sharing of time and space dimensions. It can promote the design and development of flood insurance system by improving the relevant legislation of flood insurance, establishing the flood insurance organizations, constructing the multi-element fund raising system, advancing the flood insurance risk securitization and strengthening the supervision of the flood insurance system.