中国气候灾害保险的发展及其风险控制

发布时间：2018-05-29 16:36

本文选题：气候灾害 + 气候移民　；参考：《金融与经济》2015年06期

【摘要】：中国是世界上受自然灾害影响最大的国家之一,在全球气候加剧变化的背景下,近年来,我国气候灾害的频率和强度不断增加,致灾原因交错而复杂,引致的受灾人口规模不断扩大,伴随的经济社会问题日益突出。气候灾害保险对分散气候风险和弥补灾害损失具有特殊作用,但存在险种开发少、赔付率低、政策限制多等不足与困难,其困境与该项保险存在承保风险、再保险风险、责任分担风险等多种风险因素有关。为此,我国需要明确气候灾害保险的政策性保险定位并及时纳入政策性保险体系、科学界定气候灾害保险承保内容并扩大业务覆盖面、重视再保险业务并完善风险再分散机制,以有效控制风险并推动我国气候灾害保险的健康发展。
[Abstract]:China is one of the countries most affected by natural disasters in the world. Under the background of global climate aggravation and change, the frequency and intensity of climate disasters in China have been increasing in recent years, and the causes of disasters are staggered and complicated. The scale of the affected population continues to expand and the accompanying economic and social problems become increasingly prominent. Climate disaster insurance plays a special role in dispersing climate risk and making up for disaster loss, but there are some disadvantages and difficulties, such as less development of insurance, low rate of indemnity, many policy restrictions, and so on, and its predicament and risks of underwriting and reinsurance exist in this insurance. Responsibility share risk and other risk factors related. Therefore, our country needs to define the policy insurance position of climate disaster insurance and bring it into the policy insurance system in time, scientifically define the coverage content of climate disaster insurance and expand the business coverage, attach importance to the reinsurance business and perfect the risk redistribution mechanism. In order to effectively control the risk and promote the healthy development of climate disaster insurance in China.
【作者单位】：河海大学;
【基金】：国家社科基金课题《极端气候影响下的人口迁移安置政策研究》(编号:11CRK002)的阶段性成果之一
【分类号】：F842.64

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