国外巨灾保险经验对我国的借鉴与启示.pdfVIP

第 2010 年第 9 期 商业经济 No.9 ,20 1O (总第 358 期) SHANGYE JINGn Total No .358 [文章编号1 1∞9-6043(却10)09-侧1-02 国外巨灾保险经验对我国的借鉴与启示 赵春红，许一涌 (九江学院商学院，江西丸江 332∞5) [摘 要]近几年，我国自然灾害发生频率较高、损失惨重。日本、美国、英国、法国等发达国家在应对巨灾保险方面已经 取得很多成功经验。我国应借鉴国外成功经验，建立和完善巨灾保险制度。政府部门，应积极、科学的制定巨灾保险相关法律 法规;建立巨灾保险基金，并成立相关职能部门专门管理:对商业保险公司承保巨灾风险给予税收方面优惠政策，放励其承担 巨灾风险责任;强化宣传，鼓励广大老百姓投保巨灾保险。保险公司，则要加大产品创新;积极参与巨灾保险制度建设;提高盈 利水平和能力。 [关键词] 巨灾保险:国外经验;借鉴与启示 [中图分类号1 F740 [文献标识码1 A Reference and Inspiration of Foreign Catastrophe Insurance Experience to China ZHAO Chunhong, XU Yiyong Abstract: In recent years , natura1 disasters happened frequendy in China and caused h回vy loss回.四e develo严对∞untri锢， such as Ja归n，也.e USA，也.e UK , and France , hav.e伊ined many successful .e:却eriences 妇 dωling wi曲创tastrophe insurance , accordingly, Chi- na should leam 丘om 也e foreign su悦目sful experiences，皿db山ld and improve itsωtastrophe insuran优 system. 吸le govemment sec- tors should lay down relevant laws and rul四 actively 侃侃tastrophe insurance, set up ca国trophe insurance funds and relevant 缸nc­ tional departmen恒 to manage them specially, provide preferential laxation policy for comm町cia1 insuranωcompanies underwriting catastrophe ins町m倪， en∞町age them ωundertake the responsibility of catastrophe risks , increase publicity , and urge the majority of ∞，mmon 严。pleωinsure the catastrophe insurance. On the other hand , the insurance companies should increase product innovation, positively participate in construction of catastrophe ins山ance system, and improve 也eir eamings and ability. Key words: catastrophe insur皿倪， foreign e写eriences， reference and inspiration 年的西南旱灾和玉树地震，保险补偿同样杯水车薪。而国 我国是一个自然灾害发生频率较高的国家，如