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面对汶川地震给我们造成的空前的劫难,巨灾保险体系的构建进入了加速阶段。我们必须改变原来的在灾难来临的时候一味依靠政府扶持和社会捐助的传统做法,用市场化手段取代行政手段。巨灾保险体系的建立必须发挥政府的主导作用,运用保险这种金融工具,使有限的财政资源的配置效应得到乘数放大,真正实现政府社会管理职责的高效和规范。
Faced with the unprecedented catastrophe caused by the Wenchuan earthquake, the construction of catastrophe insurance system has entered an acceleration phase. We must change the traditional method of relying solely on government support and social donations when the disaster strikes and replace the administrative means with market-oriented means. The establishment of catastrophe insurance system must play a leading role of the government. By using such financial instruments as insurance, the allocation effect of limited financial resources can be multiplied and the government’s social management responsibilities can be effectively implemented and standardized.