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从今年以来我国发生的多起自然灾害事故来看,构建和谐社会离不开保险提供的保障,但事实上,保险参与其中的理赔额却很小,保障的范围相当有限。随着全球气候的变暖,洪水、干旱、台风等灾害的发生愈加频繁,将会对保险业产生越来越大的影响,保险业要有效分散自身风险,除了现有的再保险途径外,保险巨灾风险证券化不失为可行之策。但是,这个在国外发达国家已发展十余年的分散风险的方法,在我国却迟迟没有推出,发展保险巨灾风险证券化的障碍在哪里?
Judging from the many natural disasters that have taken place in our country since the beginning of this year, building a harmonious society can not be separated from the guarantee provided by insurance. In fact, the amount of compensation involved in insurance is small and the scope of protection is rather limited. With the global warming, more frequent floods, droughts, typhoons and other disasters will have an increasingly greater impact on the insurance industry, insurance industry to effectively diversify its own risk, in addition to the existing reinsurance approach, insurance Catastrophe risk securitization is a feasible policy. However, this developed country has developed more than ten years of risk-sharing methods in China has yet to be introduced, the development of insurance catastrophe risk securitization where the obstacles?