中国巨灾补偿基金制度研究  

Research on the Catastrophe Compensation Fund system of China

作　　者：潘席龙[1] 陈东[1] 王艺洁[1] 

机构地区：[1]西南财经大学中国金融研究中心,成都610074

出　　处：《中国经济与管理科学》2009年第8期3-7,共5页Chinese Economy Management Science Magazine

基　　金：基金项目：四川省牡科基金青年项目（SC08C13）.

摘　　要：面对2008年我国所经受的一次次巨大灾难，本文在讨论我国目前以财政救助为主的巨灾补偿体系诸多弊端的基础上，鉴于我国巨灾保险还相当落后的现实，运用巨灾风险分散理论、自然灾害经济学与制度经济学，结合保险、基金、巨灾债券等在资金组织、运作模式及补偿与赔付方式等方面的特点，提出了在我国建立巨灾补偿基金的基本构想，并就巨灾补偿基金的财产组织和机构建设、主要的运作机制、基金纽织形式的优势等作了讨论，希望能为建立我国巨灾补偿体系探索新的思路和解决方案。Experienced the several catastrophes in 2008, based on the analyzing of the shortfalls of current catastrophe compensation system and the underdevelopment of catastrophe insurance of China, having applied the theories on CAT risk diversification, natural disasters economics and institutional economics,this paper suggests a new conception on how to establish the Catastrophe Compensation Fund of China （CCFC） which has been integrated with the advantages of the capital structure and operation mode of insurance, mutual funds, catastrophe bonds and stocks. The organization of the fund and related system, the mechanism in the operation and the advantages of CCFC are also discussed in details. Hope this paper can provide people a new idea on how to set up a systematic catastrophe compensation mechanism in China.

关 键 词：巨灾 风险分散 巨灾保险 补偿基金 

分 类 号：F810.2[经济管理—财政学] F830.2