我国应对天气风险保险对策研究.pdf

Abstract Abstract The weather risk exists in all businesses and will have a great effect in the economic in china. The catastrophic weather not only will destroy highways, Bridges and other public facilities, but also can make property damage and endanger to human. The snowstorms in the south in early 2008, big earthquakes in we chuan in May 12, 2008, Typhoon and landslides, all have caused enormous losses to our country. Although the Unfavorable weather risk wont cause huge losses, but also affects the normal life and production: mild winter will reduce the profit in energy industry and increase the expenditure of the consumer; Cool summer will impact the cash flow of cold drinks industry, bringing great uncertainty to the management of the enterprise. As an effective tool to transfer the weather risk, insurance has been developed in foreign countries and played a significant role. Therefore, our country should learn the successful experience from foreign countries to develop the insurance dealing with weather risk(There were two kinds of insurance to deal with the weather risk, one kind is severe weather insurance, another kind is the weather insurance. So, in this paper, we called then weather risk insurance in all) for the stable development of the economic in China. For this phenomenon, in the basic of describing the types and characteristics of the weather risk and the theory of weather risk management , the paper analyses the weather risk China faces, and introduces the weather risk management process: at present, our country has not established catastrophe insurance mechanism, but only has some additional insurance covering the sever weather risk , government and insurance company are on the absence of the function in dealing with severe weather risk .Our weather insurance only stay in the stag of developing and promoting the meteorological index insurance