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保险业有限的保障能力、巨灾中的不可保风险、保险与再保险价格缺乏弹性使政府在巨灾风险分散中起了越来越重要的作用,市场和政府责任的边界成为一个亟待研究的问题。政府责任既包括巨灾保险的市场需求方面,也包括对巨灾损失经济补偿的供给方面。以政府为主导,充分发挥市场的作用,构建多层次的巨灾保障体系,是目前我国的现实选择。
Limited insurance capability in the insurance industry, uninsurance risk in catastrophe and inelastic insurance and reinsurance price make the government play an increasingly important role in the dispersion of catastrophe risk. The boundary between market and government responsibility has become an issue to be studied urgently . Government responsibilities include both the market demand for catastrophe insurance and the supply of financial compensation for catastrophic losses. Taking the government as the lead, giving full play to the role of the market and building a multi-level catastrophe guarantee system are the realistic choices in our country at present.