国外巨灾保险财政政策比较及对中国的启示
发布时间：2018-08-08 21:44
【摘要】：2014年，深圳市出台了《深圳市巨灾保险方案》，让巨灾保险这个概念再次成为讨论的热门话题。方案的出台，为我国其它地区乃至全国构建巨灾保险制度提供了一个蓝本，让理论化的巨灾保险制度成为了现实。作为巨灾频发率最高的国家之一，巨灾保险制度的出台具有重大的现实意义，财政政策作为巨灾保险制度运行的支持政策，，对于巨灾保险制度是否能高效运转起着巨大的作用。但当前我国巨灾保险市场的财政政策尚未真正发挥它的功效，许多问题仍有待解决。 本文基于深圳市方案出台的背景，探讨财政政策对于巨灾保险制度发展的促进作用。了解外国巨灾保险的财政政策，总结其优点和经验。进而得出适宜我国巨灾保险制度发展的财政政策，提出完善巨灾保险制度、促进其发展的建议。建议包括：一是要制定较为详细的财政预算，改变过去将巨灾保险基金作为一种临时性支出的做法，把它纳入到政府预算的范畴内；二是要建立巨灾保险专项基金。巨灾保险准备金的数量直接关系到巨灾发生后的赔偿数，我们需要建立巨灾保险的专项准备金；三是要加大对商业保险公司的扶持力度，增加其财政补贴和税收优惠力度，减小企业的承保负担，提高他们承保的积极性；四是要鼓励企业和个人投保，提高民众的参与率，扩大巨灾保险的覆盖面。
[Abstract]:In 2014, Shenzhen issued the catastrophe insurance scheme, which made the concept of catastrophe insurance a hot topic again. The introduction of the scheme provides a blueprint for the construction of catastrophe insurance system in other regions of China and even the whole country, and makes the theoretical catastrophe insurance system a reality. As one of the countries with the highest frequency of catastrophe, the introduction of catastrophe insurance system is of great practical significance. As a supporting policy of catastrophe insurance system, fiscal policy plays an important role in the efficient operation of catastrophe insurance system. However, the current financial policy of catastrophe insurance market in China has not really brought its effect into full play, and many problems still need to be solved. Based on the background of Shenzhen's plan, this paper discusses the role of fiscal policy in the development of catastrophe insurance system. Understand the fiscal policy of foreign catastrophe insurance and summarize its advantages and experiences. Finally, the author puts forward some suggestions on how to perfect the catastrophe insurance system and promote the development of catastrophe insurance system. The suggestions include: first, to make a more detailed budget, to change the past practice of treating catastrophe insurance fund as a temporary expenditure, and to bring it into the scope of the government budget; second, to establish a special fund for catastrophe insurance. The amount of catastrophe insurance reserve is directly related to the amount of compensation after the catastrophe. We need to establish a special reserve for catastrophe insurance. Third, we should increase support for commercial insurance companies and increase their financial subsidies and tax concessions. The fourth is to encourage enterprises and individuals to insure, to increase the participation rate of the people, and to expand the coverage of catastrophe insurance.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F841.34;F811.0
本文编号：2173124
[Abstract]:In 2014, Shenzhen issued the catastrophe insurance scheme, which made the concept of catastrophe insurance a hot topic again. The introduction of the scheme provides a blueprint for the construction of catastrophe insurance system in other regions of China and even the whole country, and makes the theoretical catastrophe insurance system a reality. As one of the countries with the highest frequency of catastrophe, the introduction of catastrophe insurance system is of great practical significance. As a supporting policy of catastrophe insurance system, fiscal policy plays an important role in the efficient operation of catastrophe insurance system. However, the current financial policy of catastrophe insurance market in China has not really brought its effect into full play, and many problems still need to be solved. Based on the background of Shenzhen's plan, this paper discusses the role of fiscal policy in the development of catastrophe insurance system. Understand the fiscal policy of foreign catastrophe insurance and summarize its advantages and experiences. Finally, the author puts forward some suggestions on how to perfect the catastrophe insurance system and promote the development of catastrophe insurance system. The suggestions include: first, to make a more detailed budget, to change the past practice of treating catastrophe insurance fund as a temporary expenditure, and to bring it into the scope of the government budget; second, to establish a special fund for catastrophe insurance. The amount of catastrophe insurance reserve is directly related to the amount of compensation after the catastrophe. We need to establish a special reserve for catastrophe insurance. Third, we should increase support for commercial insurance companies and increase their financial subsidies and tax concessions. The fourth is to encourage enterprises and individuals to insure, to increase the participation rate of the people, and to expand the coverage of catastrophe insurance.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F841.34;F811.0
【参考文献】
相关期刊论文 前10条
1 张庆洪;葛良骥;凌春海;;巨灾保险市场失灵原因及巨灾的公共管理模式分析[J];保险研究;2008年05期
2 孙祁祥,郑伟,孙立明,李海涛,锁凌燕;中国巨灾风险管理:再保险的角色[J];财贸经济;2004年09期
3 谢家智,蒲林昌;保险业巨灾风险管理工具的创新问题研究[J];重庆社会科学;2003年06期
4 赵正堂;;从行为经济学视角看巨灾保险市场失灵及矫正[J];财政研究;2010年04期
5 周县华;;农业保险、巨灾准备金与税前扣除[J];财政研究;2011年06期
6 冯俏彬;;基于公共财政视角探析巨灾保险设计[J];地方财政研究;2012年02期
7 鲁峰;建立我国巨灾保险制度的探讨[J];保险研究;1995年04期
8 李平;;新西兰巨灾保险给我们的启示[J];城市与减灾;2010年06期
9 沈蕾;;美国的巨灾保险制度及其启示[J];华东经济管理;2008年09期
10 艾翅翔;晏林;;自然灾害、巨灾保险与政府主导[J];经济与管理;2011年04期
相关博士学位论文 前1条
1 葛良骥;混合机制下巨灾风险公共干预模式研究[D];同济大学;2008年
本文编号：2173124
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2173124.html
