恐怖风险保险的经济学分析  

Economic Analysis of Terrorism Risk Insurance

作　　者：刘璐[1] 谭明明[1] 

机构地区：[1]东北财经大学金融学院,辽宁大连116025

出　　处：《长春大学学报》2015年第9期26-31,共6页Journal of Changchun University

基　　金：辽宁省教育厅人文社会科学重点研究基地专项项目(ZJ2014047);辽宁省社会科学规划基金项目(L09DJY105);辽宁省教育厅人文社会科学项目(W2013212)

摘　　要：从供求角度分析了恐怖风险保险市场失灵或存在缺陷的原因,阐释了政府参与下恐怖风险的可保性,并以美国为例介绍了美国恐怖风险保险市场的供给、需求和政府参与情况。最后得出结论:恐怖风险保险仅仅通过商业保险公司以自愿形式承保是行不通的,只有在政府与商业保险公司共同参与的前提下,才能实现恐怖风险保险市场供给与需求的平衡,进而提高市场效率。This paper analyzes the reasons why terrorism risk insurance market falls in failure or defect from the perspective of supplyand demand,illustrates the insurability of the terrorism risk with the participation of the government and introduces the supply, demandand government participation of American terrorism risk insurance market by taking the United States as an example, finally, it comes toa conclusion that the realization of terrorism risk insurance is not feasible only by commercial insurance companies with voluntary under-writing,the balance of supply and demand of terrorism risk insurance market carl be achieved under the promise of the effective partici-pation of the government and commercial insurance companies, so as to improve the market efficiency.

关 键 词：恐怖风险保险 市场失灵 可保性 政府参与 

分 类 号：F840.64[经济管理—保险]