构建云南政策性地震保险机制问题研究

发布时间：2019-02-28 08:23

【摘要】：云南省地处环太平洋地震带与亚欧地震带的一个组成部分，位于印度洋板块与亚欧板块频繁相互碰撞带的东侧，是我国极易发生破坏性与强破坏性地震的省份之一，其历年发生的地震灾害造成的经济损失和人员伤亡是十分巨大的。据不完全统计，在最近20余年的时间里，，云南省及其周边区域共发生的不同程度的破坏性地震约79余次，地震年均发生率达到了（3-4）次/年，并且几乎每次地震灾害造成的经济损失规模都能达到数亿元。构建云南政策性地震保险机制，通过政府与市场相结合对灾后损失进行补偿，有着极其重要的现实意义：一是可以有效整合社会资源，把资源投入并运用到对其需求最为迫切的地方；二是可以转变以政府财政为主的传统灾后救助体系，减轻其负担；三是可以弥补单独依靠财政或保险对灾后损失补偿过程中存在的不足；四是可以提高我省普通大众的保险意识和灾害防范意识，促进我省保险业的健康和快速发展。文章基于地震保险的运营机理、操作模式、以及世界一些发达国家开办地震保险业务的成功经验，结合云南本土地震灾害的发生与救助等情况，通过对比论证，从微观和宏观视角讨论了当前政策性地震保险机制所具有的优越性，并结合实际，得出在云南省构建政策性地震保险机制的必要性和可行性。在此基础上，文章还进一步论述了在云南构建政策性地震保险机制的主要方面，并提出了相关建议。
[Abstract]:Yunnan Province is located in the Pacific Rim seismic belt and the Asia-Europe earthquake belt, located in the eastern side of the frequent collision zone between the Indian Ocean plate and the Asia-Europe plate, and is one of the provinces prone to destructive and strong destructive earthquakes in China. The economic losses and casualties caused by earthquake disasters in the past years are very huge. According to incomplete statistics, in the last 20 years, there have been more than 79 destructive earthquakes of varying degrees in Yunnan Province and its surrounding regions, with an average annual occurrence rate of (3 to 4) earthquakes per year. And the scale of economic losses caused by almost every earthquake disaster can reach hundreds of millions of yuan. It is of great practical significance to construct the policy-oriented earthquake insurance mechanism in Yunnan and compensate the post-disaster losses through the combination of the government and the market: first, it can effectively integrate social resources. (B) invest resources and apply them to areas where their needs are most urgent; Secondly, we can change the traditional post-disaster relief system, which is dominated by government finance, and lighten its burden, thirdly, we can make up for the deficiency in the process of compensation for post-disaster losses by relying on finance or insurance alone. Fourth, it can improve the general public's consciousness of insurance and disaster prevention, and promote the healthy and rapid development of the insurance industry of our province. Based on the operation mechanism and operation mode of earthquake insurance, as well as the successful experience of some developed countries in setting up earthquake insurance business in the world, combined with the occurrence and rescue of local earthquake disasters in Yunnan, the paper compares and demonstrates, In this paper, the advantages of the current policy earthquake insurance mechanism are discussed from the micro and macro perspectives, and the necessity and feasibility of constructing the policy earthquake insurance mechanism in Yunnan Province are obtained. On this basis, the paper further discusses the main aspects of the construction of policy-based earthquake insurance mechanism in Yunnan, and puts forward some suggestions.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.6

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