巨灾保险应该强制参保吗?——基于强制保险的发展逻辑

尽管利用巨灾保险来补偿巨灾损失的做法已经得到越来越多的认同,但是人们对于巨灾保险是否应该采取强制参保的方式尚存明显争议。本文通过考察强制保险的两种基本形态——社会保险与强制性商业责任保险的历史发展背景,总结出强制保险发展的基本逻辑,然后以此为衡量标准对巨灾保险是否应该采取强制参保的方式进行了探讨。本文研究发现,巨灾保险并没有满足采取强制参保方式的所有标准,这或许正是人们对这一问题存在争议的原因。

Should catastrophe insurance be mandatory-based on the development track of mandatory insurance

Although using catastrophe insurance to compensate for catastrophe losses has gained wider consensus,there is still disputes over whether catastrophe insurance should be mandatory or not.The paper reviewed the development background of two basic types of mandatory insurance,namely social insurance and mandatory commercial insurance,to generalize on the basic logic behind the development of mandatory insurance.The study indicated that catastrophe insurance didn′t meet all criteria for adopting the mandatory insurance system,which should be the reason for disputes over this question.