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对于巨灾保险,本刊在采访报道“三农”问题以及2008年、2009年两会时均有涉及,也曾从不同角度呈现过保险监管部门、保险公司以及业内专家学者对此问题的认识和看法。在汶川地震一周年之际,建立巨灾保险的必要性似乎已成共识,我们现在需要更多的关注操作层面的问题。不容质疑的是,建立和完善巨灾损失补偿机制是提高我国经济社会整体抗风险能力的一项重要课题,但对该课题的研究在我国还相对滞后,课题涉及面广,难度大,而且现有可参照的研究资料比较少。用时任中国证监会主席刘鸿儒的话说,研究这个问题,需要时间,更需要勇气。在刘鸿儒的眼中,现任湖北省保监局副局长的姚庆海博士便是这样一个有勇气的人。从1998年起,他便潜心对巨灾风险管理和巨灾保险制度进行了10多年的研究……
For catastrophe insurance, we cover this issue in coverage of the issue of “Agriculture, Rural Areas and Farmers”, as well as in the two sessions in 2008 and 2009, and from different perspectives on the issue by insurance regulators, insurance companies and industry experts and scholars Understanding and opinion The need to establish catastrophe insurance seems to be on the verge of the first anniversary of the Wenchuan earthquake and we now need to pay more attention to operational issues. It can not be questioned that establishing and perfecting the mechanism of catastrophic catastrophic loss compensation is an important issue to improve our country’s anti-risk ability in economy and society as a whole. However, the research on this topic is relatively lagging behind in our country. The topics covered are wide and difficult, There is less research data available. In the words of Liu Hongru, then chairman of China Securities Regulatory Commission, studying this issue takes time and more courage. In Liu Hongru’s eyes, Dr. Yao Qinghai, currently deputy director of Hubei Provincial Insurance Regulatory Bureau, is such a courageous person. Since 1998, he has devoted himself to over 10 years of research on catastrophe risk management and catastrophe insurance ...