我国洪水保险设立模式探讨  

The exploration on the model of flood insurance in China

作　　者：张琳[1] 邵月琴[1] 

机构地区：[1]湖南大学金融学院,湖南长沙410079

出　　处：《保险研究》2010年第8期68-73,共6页Insurance Studies

基　　金：教育部人文社会科学重大攻关项目课题<巨灾风险管理制度创新研究>(批准号:09JZD0028)阶段性成果

摘　　要：我国是洪水灾害频发的国家,每年由于洪涝灾害所造成的直接经济损失不断攀升,对我国的经济发展和社会稳定造成了极大的威胁。因此,建立一个行之有效的洪水保险已迫在眉睫。本文在对国际上现有的洪水保险模式总结分析的基础上,结合我国的基本国情,指出了当前我国建立洪水保险所面临的经济可行性、风险分散性和调动三方积极性的问题,并针对我国经济发展水平和洪水保险发展的不同阶段,提出了我国洪水保险应以小额保险先行,逐步过渡到强制性补偿保险,最后推广为指数化保险的"三步走"战略。China is prone to high frequency of floods, and direct economic losses due to flood disasters keep escala- ting every year,posing grave threats to China＇s economic development and social stability. Therefore,it has become an imminent task to establish an effective flood insurance. The paper summarized on existing flood insurance models in the international market. In view of China＇s actual situation,it elaborated on three issues we were facing with in establishing the flood insurance, namely, economic feasibility Given China＇s economic development level and the different , spread of risks and mobilizing three parties＇ initiative. stages of development for flood insurance, it suggested that China should institute a ＂3-step＂ strategy ,starting with establishing micro-flood insurance ,then transiting to a mandatory and subsidized insurance model, and finally adopting an index-linked insurance model.

关 键 词：洪水保险 小额保险 “三步走”战略 

分 类 号：F840.64[经济管理—保险]