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自20世纪以来,我国几乎每年都会发生重大自然灾害,给社会带来了巨大的经济损失并造成人员伤亡。长期以来,我国形成了以“举国体制”为特征的巨灾风险管理体制。随着经济的快速发展,这种主要依靠政府财政来补偿损失的管理体制已难以适应市场经济发展的需要,因此我们应该采取有效措施,将政府、保险市场和资本市场相结合,建立适应我国国情的巨灾风险管理体制。
Since the 20th century, a major natural disaster has occurred in our country almost every year, causing enormous economic losses to the community and causing casualties. For a long time, our country has formed a catastrophe risk management system featuring “nationwide system”. With the rapid economic development, this kind of management system mainly relying on government finance to compensate for losses has been hard to adapt to the needs of the development of market economy. Therefore, we should take effective measures to integrate the government, insurance market and capital market, Catastrophe risk management system.