论文部分内容阅读
自然灾害保险产品的需求和供给之间存在着巨大落差,单纯通过市场手段难以有效解决。在采取以商业保险为基础、政府财政补贴为补充的混合型保险模式时,应确保保险产品的价格以风险为依据、交易对象以值得保护为依据。在条件成熟时,应放松资本市场的管制,允许保险风险证券化,积极扩充保险赔付资金池,以最大限度地满足人们对自然灾害风险的保险需求。
There is a huge gap between the demand and supply of natural disasters insurance products, which can not be effectively solved through market means alone. When adopting a hybrid insurance model based on commercial insurance and supplemented by government financial subsidies, the insurance product price should be ensured on the basis of risk and the counterparty is worth protecting. When the conditions are ripe, we should relax the control of the capital market, allow the insurance risk securitization, and actively expand the pool of insurance payments to maximize the people’s insurance needs for natural disaster risk.