巨灾风险管理中的政府责任边界分析  

The government responsibility boundary in catastrophe risk protection system

作　　者：田华[1] 张岳[1] 

机构地区：[1]武汉大学经济与管理学院,湖北武汉430072

出　　处：《保险研究》2007年第12期55-57,共3页Insurance Studies

基　　金：国家自然科学基金(项目编号70403013)。

摘　　要：保险业有限的保障能力、巨灾中的不可保风险、保险与再保险价格缺乏弹性使政府在巨灾风险分散中起了越来越重要的作用,市场和政府责任的边界成为一个亟待研究的问题。政府责任既包括巨灾保险的市场需求方面,也包括对巨灾损失经济补偿的供给方面。以政府为主导,充分发挥市场的作用,构建多层次的巨灾保障体系,是目前我国的现实选择。The underwriting capacity limitation of the insurance industry, uninsurable risks of catastrophes and the lack of price elasticity of primary insurance and reinsurance mean that governments are to play a more and more important role in spread of catastrophe risks, which makes the responsibility boundary of the market and government become a pressing issue to be studied. Government responsibilities refer both to market demands of catastrophe insurance and the supply of financial compensation against catastrophes. It is a realistic path for China to set up a multi-tiered catastrophe protection system with the government playing the dominant role and full display of market forces, he risk protection system in which the government plays the dominant role in China.

关 键 词：巨灾风险保障体系 政府责任 边界 

分 类 号：F840.64[经济管理—保险]