对我国巨灾保险体系的探索  

Exploration of Catastrophe Insurance System

作　　者：吴景泰[1] 王帅[1] 

机构地区：[1]沈阳航空航天大学,辽宁沈阳110136

出　　处：《科技与创新》2014年第19期140-142,共3页Science and Technology & Innovation

摘　　要：我国地理环境复杂、差异性大,是世界上自然灾害频发的国家之一。自然灾害带来的损失是巨大的。近些年,我国的自然灾害,比如地震、洪涝、干旱等频发,但是,保险业却没有发挥其应有的作用,保险赔付在直接损失中所占份额非常小,不能保证救灾体系的有效性,同时,也给国家财政造成了巨大的压力。因此,积极探索有效的巨灾保险模式已经成为了促进我国经济健康、有序发展的重要保证。The complexity of the geographical environment, the big difference is one of the world＇s natural disasters. Losses caused by natural disasters are enormous. In recent years, China＇s natural disasters, such as earthquakes, floods, droughts and other frequently, however, the insurance industry did not play its due role in the direct loss insurance payments share is very small, can＇t ensure effective disaster response system sex, but also to the state finance has caused tremendous pressure. Therefore, actively explore effective catastrophe insurance model has become an important guarantee for the promotion of China＇s economy healthy and orderly development.

关 键 词：巨灾保险 保险模式 保险体系 财产损失 

分 类 号：F842.6[经济管理—保险]