论文部分内容阅读
2008年中国南方雪灾持续时间之长、影响范围之广、经济损失之大、危害程度之深,均为历史罕见。雪灾危机的成功化解,政府领导起了决定性的主导作用。作为国际上灾害损失补偿重要机制的保险,其功能并未充分彰显出来。在雪灾情形几近相似的异国他乡,1998年的北美雪灾有30%的经济损失得到保险补偿,2006年的中欧雪灾有50%的经济损失获得保险赔付,而目前中国的这一比例仅为1%。积极拓展包括雪灾在内的巨灾保险业务领域,建立不同形式、不同类别的巨灾保险基金,扩大巨灾保险的覆盖面,提高巨灾保险的渗透率,让保险这一高技术含量的现代风险管理方式惠及到所有面临巨灾风险威胁的中国人,乃是中国保险业以及国家管理者肩负的一项既紧迫又长远的历史责任。
The long duration of the snowstorm in southern China in 2008, with a wide range of impact, the magnitude of the economic losses and the extent of the damage, are rare in history. The successful resolution of the snowstorm crisis led the government to assume a decisive leading role. As an important mechanism of international disaster damage insurance insurance, its function has not been fully demonstrated. 30% of the economic losses from North American snow disaster in 1998 were covered by insurance in the exotic countries with almost similar snowstorms. In 2006, 50% of the economic losses from the Central Europe snowstorm were covered by insurance. At present, this proportion in China is only 1 %. Actively expand the area of catastrophe insurance business including snowstorm, establish catastrophe insurance funds of different forms and categories, expand the coverage of catastrophe insurance and increase the penetration rate of catastrophe insurance so as to make insurance a high-tech modern risk The management approach benefiting all Chinese facing the threat of catastrophic catastrophe is an urgent and long-term historic responsibility for China’s insurance industry and state managers.