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08年初南方的雨雪冰冻灾害进一步反映出保险在国家灾害救助体系中的地位过低,凸显了我们对巨灾保险体系这个准公共物品的迫切需求。然而雪灾也增强了人们参加巨灾保险的动力、在一定程度上坚定了政府建立巨灾保险制度的决心、使保险公司重新考虑风险管理和使国家看清国际援助有限从而认识到巨灾保险体系的重要性。我国应该适时地利用好这些有利因素,进一步加强宣传和教育,使保险的理念深入人心;努力发展经济,提高人们参保的能力;培养相关人才,攻克技术难题;从而使我国巨灾保险体系得以完善和发展。
The snow-ice freeze disaster in the south of the country in early 2008 further reflected the low status of insurance in the national disaster relief system, highlighting our urgent need for a quasi-public goods system of catastrophe insurance. However, the snowstorm also increased people’s motivation to participate in catastrophe insurance, which to some extent strengthened the determination of the government to establish catastrophe insurance system, enabled insurance companies to reconsider the risk management and make the country see the limited international aid so as to realize the catastrophe insurance system The importance of Our country should make good use of these favorable factors in a timely manner, further strengthen publicity and education, make the concept of insurance deeply rooted in the hearts of the people, strive to develop economy and improve people’s ability to participate in insurance, cultivate relevant talents and overcome technical problems, so that China’s catastrophe insurance system can be Perfect and development.