我国巨灾保险制度构建之方向——以新西兰、日本两国为参照.pdfVIP

Value Engineering • 287 • 我国巨灾保险制度构建之方向一一以新西兰日本两国为参照 The Constructive Dir配tion of Cbinas Catastrophe Ins町ance System:T幽g Japan and New zealand as an ExampJe 何霖 HELin (四川文理学院学报编辑部，达州 635创)()) (Editorial Department of Sichuan University of Arts and Science ,Dazhou 635仪泪，China ) 摘要:保险业在我国巨灾风险应对中的作用比较有限，巨灾保险制度也尚处于探索和尝试阶段.借鉴国外的成功经验，探索和制 定适合我国国惰的巨灾保险制度，为现实所必要且必需.本文对日本、新西兰两国巨灾保险制度，尤其是地震保险制度进行了对比分 析，总结两国制度之共性，综合我国国惰，探讨我因巨灾保险制度构建之方向. Abs阳咄咄e role of Chinas insurance industry is relatively limited in Chinas catastrophe risk 皿d the catastrophe insurance system is also in the stage of exploration and trial. Its neces始巧 for us to leam the successful experience of foreign catastrophe insurance system and to explore and establish some catastrophe insurance systems suitable for China. In this paper，阳山 a comμrative analysis of 由e catas田phe insurance system, especially theω时lquake insurance system in Japan and New Zealand, we got the general character of the two coun町、 insurance system and discussed the constructive direction of Chinas catas田phe insurance system based on the differences analyzed through the aspec臼 such as the insurance way, the main operator, the amount insurance limit and the govemment responsibility and Chinas actual conditions. 关键询: 巨灾保险;新西兰;日本;地震保险 Key words : catas田phe insurance; New Zealand; Japan; earthquake insurance 中图分类号:F84 文献标识码:A 文章编号:l(削-4311(2012)25-0287-03 o 51 言 2∞@年南方冰雪灾害、5.12 汶川地震与却10 年玉树地 我国是一个重大自然灾害频发的国家。近年来，仅 震就给社会、经济和人民生活造成了巨大损害，仅仅依靠 国家财政拨款和民间捐款很难满足灾后重建的巨额资金 收稿日期: 2012 1:手 5 月 20 日 。