摘要
我国巨灾频发,巨灾保险潜在需求巨大,但由于成本过高、缺乏技术和相关法律制度等原因,巨灾保险供给严重不足。为扩大巨灾保险供给,应借鉴国际成功经验,结合我国国情,走政策性支持的商业化巨灾保险道路。通过建立强制性巨灾保险基金、发展再保险市场、完善相关立法和提高公众风险防范意识等分散巨灾风险。
Frequent catastrophe has taken place in China.There is a huge potential demand for catastrophe insurance, but a serious shortage of supply because of high cost, lack of technical and related legislation and other reasons.To expand the supply of catastrophe insurance, we should learn from successful international experience, combined with China＇s national conditions, catastrophe insurance with government support.We catastrophe insurance fund, developing reinsurance awareness of risk prevention. and take the commercial path of can disperse catastrophe risk by establishing mandatory market, improving relevant legislation and raising public
出处
《区域金融研究》
2011年第2期26-29,共4页
Journal of Regional Financial Research
关键词
巨灾保险
供给
需求
Catastrophe Insurance
Supply
Demand
