构建我国巨灾保险体系的研究

发布时间：2018-04-04 16:02

本文选题：巨灾风险　切入点：再保险　出处：《浙江工商大学》2013年硕士论文

【摘要】：2013年全国两会期间,与人民生命和财产安全息息相关的巨灾保险广受关注。中国保监会主席项俊波表示,“农业保险条例已从3月1日起开始实行,保监会下一步将重点研究巨灾险的问题。”此外,全国第十一届全国人大代表郭广昌提交了《关于建立巨灾保险保障体系的提案》。他认为,我国是一个自然灾害频发的国家,应建立自己的巨灾风险保障体系,以保障农村和城市地区的财产。近年来,全球巨灾频繁,并且损失严重。根据瑞士的再保险公司发布相关报告显示,日本2011年发生的地震造成了保险损失达350亿美元,成为有记录以来赔付额最高的地震。当时,洪水灾害导致的经济损失同样空前巨大。澳大利亚的洪水灾害是造成该国经济损失最大的灾害事件,保险理赔额度达到了20亿美元。而泰国当年洪灾之后造成了高达120亿美元的保险理赔额。而我国,近几年发生的汶川大地震、甘肃曲舟山洪泥石流以及玉树地震,也都造成重大人员伤亡和财产损失。根据全国减灾委和民政部的统计数据,2012年发生的自然灾害使2.9亿人受到影响,摧毁房屋90万间,造成直接经济损失4184亿元。我国巨灾保险制度的建立迫在眉睫。本文从研究我国巨灾风险管理体系的现状出发,通过总结国外巨灾保险的发展模式,总结探索巨灾风险管理体系建设的理论与实践,认为建立政府政策引导与商业保险相结合得运营模式,建立巨灾风险管理和巨灾基金机构,对巨灾保险进行再保险和风险管理,提高巨灾基金的稳定性和偿付能力,从而形成适合我国当前国情的由政府、商业保险公司、投资者、国际再保险人共同构成的巨灾保险体系,充分发挥保险补充保障、辅助社会管理和促进经济发展的作用。
[Abstract]:During the two sessions in 2013, catastrophe insurance, which is closely related to the safety of people's lives and property, received wide attention.Xiang Junbo, chairman of the China Insurance Regulatory Commission (CIRC), said: "the regulations on agricultural insurance have been implemented since March 1, and the CIRC will focus on the issue of catastrophe insurance in the next step."In addition, the 11 th National people's Congress of Guo Guangchang submitted the proposal on the establishment of catastrophe insurance system.He believed that China is a country with frequent natural disasters and should establish its own catastrophe risk protection system to protect the property in rural and urban areas.In recent years, the global catastrophe frequently, and the loss is serious.The 2011 earthquake in Japan caused insurance losses of $35 billion, the highest on record, according to a report from Swiss reinsurers.At that time, the economic losses caused by the flood disaster were also unprecedented.The flood disaster in Australia was the country's biggest economic loss, with insurance claims reaching $2 billion.Thailand's floods that year resulted in up to $12 billion in insurance claims.In China, Wenchuan earthquake, Quzhou Mountain flood debris flow and Yushu earthquake in recent years also caused heavy casualties and property losses.According to statistics from the National disaster reduction Commission and the Ministry of Civil Affairs, 290 million people were affected by natural disasters in 2012, 900000 houses were destroyed and 418.4 billion yuan in direct economic losses were caused.It is urgent to establish catastrophe insurance system in China.Based on the study of the current situation of catastrophe risk management system in China, this paper summarizes the development mode of catastrophe insurance in foreign countries, and explores the theory and practice of catastrophe risk management system construction.The author thinks that establishing the operation mode of combining government policy guidance with commercial insurance, establishing catastrophe risk management and catastrophe fund organization, reinsurance and risk management of catastrophe insurance, improving the stability and solvency of catastrophe fund.Thus, the catastrophe insurance system, which is composed of government, commercial insurance company, investor and international reinsurer, which is suitable for our country's current national conditions, can fully play the role of supplementary insurance protection, auxiliary social management and economic development.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.64

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