中国巨灾风险管理:再保险的角色

中国是世界上自然灾害最为严重的少数国家之一,如何对中国巨灾风险进行管理是本文研究的主要内容.文章从中国巨灾风险与其管理现状出发,借鉴美国全国洪水保险计划、美国加利福尼亚地震局、日本家庭地震保险体制和英国洪水保险体制的经验,结合中国再保险发展的现状和问题,提出了重视支持巨灾风险管理、建立多层风险分担机制、鼓励公众参与巨灾保险、大力培育再保险市场主体、加强和完善政府保险监管等政策建议.

Catastrophe Risk Management in China: The Role of Reinsurance

China is one of the few countries facing the most serious natural catastrophe risks in the world. How to deal with China' s catastrophe risks is the theme of the paper. Starting from the current situation of China' s catastrophe risks and catastrophe risk management, using for reference the experience of the National Flood Plan of U. S., California Earthquake Agency of U. S., Japan' s household earthquake system and flood insurance system of U. K., and taking into account the development of China's reinsurance industry, we bring forward some policy suggestions, such as to lay stress on catastrophe risk management, to establish multi - layer risk sharing mechanism, to encourage the public to participate in catastrophe insurance, to develop reinsurance market player, and to strengthen insurance regulation, etc.