保险风险证券化视角的巨灾风险管理探析  

On Catastrophe Risk Management in Insurance Risk Securitization Perspective

作　　者：张学峰[1] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061

出　　处：《兰州大学学报（社会科学版）》2010年第4期139-143,共5页Journal of Lanzhou University（Social Sciences）

摘　　要：巨灾保险风险证券化产品在分散巨灾风险、补偿巨灾损失方面有其独特优势。从我国国情出发,阐述了利用保险风险证券化手段化解巨灾风险的紧迫性,并结合国外相关产品的比较分析,从政企职责界限、资本市场运作机制、市场供给体系、产品信用评级等方面,探讨了我国推进巨灾风险保险证券化发展的合理路径。Catastrophe risk securities have unique advantages in risk share and loss compensation. In the light of the Chinese realities the paper expounds the urgency of resolving catastrophe risk by means of insurance risk securities and then based on the comparative analysis of relevant foreign products explores possible way for the development of catastrophe risk insurance securities in the aspect of government and enterprise accountability, capital market operation mechanism, market-supply system and product credit grading evaluation.

关 键 词：巨灾风险 保险风险证券化 补偿机制 巨灾债券 

分 类 号：F840.6[经济管理—保险]