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日本地震重创国际再保险业,但也反映出中国健全巨灾保险制度的迫切性。日本3月11日发生9.0级大地震后,全球多家保险公司股价连续下跌,由于破坏严重,预期保险赔付额将大幅上升,对日本国内保险业及全球再保险业形成冲击。由于中国保险业的主要业务集中在国内,可能避过此次冲击,然而这也反映出中国保险业发展程度不深,通过再保险分散风险的机制依然不健全。国际再保险业遭重创由于波及面广、震级高,以及引发海啸、核电厂爆炸等问题,日本大地震带来的损失巨大。另外,由于日本是地
The earthquake in Japan devastated the international reinsurance industry, but it also reflected the urgency of China’s efforts to improve the catastrophe insurance system. Since the 9.0-magnitude earthquake hit Japan on March 11, the share prices of many insurance companies worldwide have been falling continuously. As a result of the serious damage, the insurance claims are expected to rise sharply, creating an impact on the Japanese domestic insurance industry and the global reinsurance industry. As the main business of China’s insurance industry is concentrated domestically, this impact may be avoided. However, this also reflects that the development of China’s insurance industry is not deep and the mechanism of risk diversification through reinsurance is still not perfect. The International Reinsurance Industry Has been Severely Impacted by the earthquake in Japan due to its widespread coverage, high magnitude, and the tsunami and explosion of nuclear power plants. In addition, because Japan is the land