洪灾风险及其可保性拓展

洪灾风险事件是小概率大损失的事件，从洪灾风险的特点看，其承保风险很大。按照建立在风险组合理论基础上的传统可保条件，洪灾风险同其他巨灾风险一样不具有可保性。随着承保技术及保险经营管理技术的进步，洪灾风险等巨灾风险具有了一定的可保性。世界上许多国家都视洪灾保险为特殊形式的保险．而给予各种政策支持，使其成为“政策性保险”。本文最后提出了拓展洪灾风险的可保性的途径。

The risk of flood and its expansion of insurable

Flood risk was small probability of large loss events, from the flood risk characteristics, their underwriting risks. In accordance with the establishment of risk in the portfolio based on the theory of traditional insurable conditions, the risk of floods and other catastrophic risk is not insurable as sexual. With the technology and insurance underwriting management and technological progress, such as the risk of catastrophic flood risk with a certain amount of security can be sexual. Many countries in the world have flood insurance, as for the special form of insurance, and to give policy support to make it a ＂policy of insurance＂. This article concludes with the expansion of flood risk insurability.