典型国家洪水保险制度实施情况与经验启示  

Implementation and experience of typical national flood insurance system

作　　者：孙婧 杨研[2] 关思思 张目瞻 任领志 SUN Jing;YANG Yan;GUAN Sisi;ZHANG Muzhan;REN Lingzhi(Shandong Hydrological Center,Jinan 250000,Shandong,China;Development Research Center,the Ministry of Water Resources,Beijing 100038,China;North China University of Water Resources and Electric Power,Zhengzhou 450045,Henan,China)

机构地区：[1]山东省水文中心,山东济南250000 [2]水利部发展研究中心,北京100038 [3]华北水利水电大学,河南郑州450045

出　　处：《水利发展研究》2024年第8期14-20,共7页Water Resources Development Research

摘　　要：近年来,极端天气引发的洪水灾害频发。开展洪水保险制度研究,对有效应对灾后水利设施修复和重建资金缺口的挑战,优化并提升公共财政治理应对洪水灾害风险能力具有重要现实意义。文章在国内洪水保险实践的基础上,从法律法规、政府参与、保险模式、实施方式、风险分散机制等多个层面,系统梳理总结了典型国家洪水保险制定实践经验,并提出了我国洪水保险制度建设的思路和建议,以期为我国洪水保险制度建设提供有益借鉴。In recent years,floods caused by extreme weather have occurred frequently.Therefore,conducting research on flood insurance systems is of great practical significance in effectively addressing the challenges of funding gaps for post disaster water conservancy facility repair and reconstruction,optimizing and enhancing public financial governance's ability to respond to flood disaster risks.Based on the practice of flood insurance in China,this article systematically summarizes the practical experience of typical countries in formulating flood insurance from multiple levels such as laws and regulations,government participation,insurance models,implementation methods,and risk diversification mechanisms.It also proposes ideas and suggestions for the construction of China's flood insurance system,in order to provide useful reference for the construction of China's flood insurance system.

关 键 词：洪水保险制度 巨灾风险 洪涝灾害 洪水评估 

分 类 号：F842.6[经济管理—保险] TV87[水利工程—水利水电工程]