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据统计,全球的巨灾风险所导致的损失越来越严重,在很大程度上威胁着保险业的稳定经营。面对巨灾风险,保险企业处于一种两难境地:一方面,巨灾带来的财产损失和恐惧感刺激了人们对巨灾保险的需求;另一方面,与普通可保风险相比,巨灾风险不完全具备风险大量和风险同质等可保风险条件,从而使巨灾保险的经营缺乏牢固的大数法则基础,因此,仅依靠传统的保险技术是难以承保巨灾风险的,保险公司有必要寻求新的渠道——资本市场,通过巨灾风险证券化的方式来解决这一问题。
According to statistics, the losses caused by catastrophe risks in the world are getting more and more serious, threatening the stable operation of the insurance industry to a great extent. In the face of catastrophe risk, insurance companies are in a dilemma: on the one hand, the property damage and fear caused by catastrophe have stimulated people’s demand for catastrophe insurance; on the other hand, compared with ordinary insurable risk, The risk of disaster is not fully equipped with insurable risk conditions such as a large amount of risk and homogeneous risk, so that the operation of catastrophe insurance lacks a solid foundation of law of large numbers. Therefore, relying on traditional insurance technology alone is difficult to cover catastrophe risk. Insurance companies It is necessary to find a new channel - the capital market, to solve this problem through the securitization of catastrophe risk.