论文部分内容阅读
巨灾风险证券化是金融业与保险业一体化发展的结果,具有自身独特的优势。通过风险证券化等风险融资方式联结保险市场和资本市场,可在资本市场上寻求投资者以分散(再)保险公司承担的风险。而我国是世界上自然灾害最为严重的国家之一,至今还没有建立健全巨灾风险化解体系。因此,正确认识巨灾风险的巨大潜力,大力推行巨灾风险证券化,对中国保险业的发展具有深远的意义。
Catastrophe risk securitization is the result of the integrated development of the financial industry and the insurance industry, with its own unique advantages. By linking the insurance market and the capital market through risk financing such as risk securitization, investors may be sought in the capital market to diversify (re) the risks borne by insurance companies. However, our country is one of the countries with the most serious natural disasters in the world. So far, we have not set up a sound catastrophe risk mitigation system. Therefore, a correct understanding of the great potential of catastrophe risk and vigorous implementation of catastrophe risk securitization will have far-reaching significance for the development of China’s insurance industry.