我国保险风险证券化的可行性研究  

Research on the Feasibility of the Risk Securitization of Insurance in China

作　　者：翟慎刚 

机构地区：[1]人民银行淄博淄川区支行,山东淄博255100

出　　处：《江苏广播电视大学学报》2008年第1期70-74,共5页Journal of Jiangsu Radio & Television University

基　　金：国家软科学研究计划项目(2004DGQ2D089);山东省教育厅社科计划项目(J06W11)

摘　　要：保险风险证券化使风险卖者和买者能够通过金融市场得以部分或全部匹配,而作为其主要形式之一的巨灾债券有助于扩大保险资金来源、转移和分散巨灾风险,有利于加快我国保险市场与资本市场相结合的进程。通过理论和实践对巨灾债券在我国的可行性进行分析,探讨了保险证券化在我国发展中所面临的问题和障碍,提出了一系列相关制度安排。The risk securitization of the insurance is able to make risk sellers and buyers match each other partially or completely through financial markets. As one of its main forms, the catastrophe bond contributes much to the expansion of the capital sources of the insurance and it does help to shift and disperse the catastrophe risk efficiently, which is very favorable for accelerating the process the insurance market combines with capital market. This paper analyses the feasibility of carrying out the catastrophe bond in our country through theoretical and practical methods and has further discussions on the problems and obstacles the risk securitization of the insurance faces and then, we put forward a series of relevant institutional arrangement.

关 键 词：保险风险证券化 巨灾债券 金融市场 

分 类 号：F842[经济管理—保险]