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我国是世界上巨灾风险最严重的国家之一,保险业应在巨灾风险管理中发挥应有的功能,起到“减震器”的作用。因此,我国应构建由巨灾风险共保联合体、商业再保险、巨灾保险基金和政府最后再保险人共同形成的多层次可持续的巨灾风险保险体系。在目前我国尚不具备巨灾风险证券化的条件下,保险公司或政府应积极尝试到境外资本市场上发行巨灾债券,以充分分散我国的巨灾风险。
China is one of the countries with the most catastrophic catastrophes in the world. The insurance industry should play its due role in catastrophe risk management and play the role of “shock absorber”. Therefore, China should build a multi-layered and sustainable catastrophe risk insurance system which is formed by the co-insurance of catastrophe risk, commercial reinsurance, catastrophe insurance fund and government last reinsurer. Under the condition that China does not yet have catastrophe risk securitization, insurance companies or governments should actively try to issue cat bonds to overseas capital markets so as to fully disperse the catastrophe risk in our country.