本文選題：巨災(zāi)風(fēng)險(xiǎn)　切入點(diǎn)：再保險(xiǎn)　出處：《浙江工商大學(xué)》2013年碩士論文

【摘要】：2013年全國兩會期間,與人民生命和財(cái)產(chǎn)安全息息相關(guān)的巨災(zāi)保險(xiǎn)廣受關(guān)注。中國保監(jiān)會主席項(xiàng)俊波表示,“農(nóng)業(yè)保險(xiǎn)條例已從3月1日起開始實(shí)行,保監(jiān)會下一步將重點(diǎn)研究巨災(zāi)險(xiǎn)的問題�！贝送�,全國第十一屆全國人大代表郭廣昌提交了《關(guān)于建立巨災(zāi)保險(xiǎn)保障體系的提案》。他認(rèn)為,我國是一個自然災(zāi)害頻發(fā)的國家,應(yīng)建立自己的巨災(zāi)風(fēng)險(xiǎn)保障體系,以保障農(nóng)村和城市地區(qū)的財(cái)產(chǎn)。 近年來,全球巨災(zāi)頻繁,并且損失嚴(yán)重。根據(jù)瑞士的再保險(xiǎn)公司發(fā)布相關(guān)報(bào)告顯示,日本2011年發(fā)生的地震造成了保險(xiǎn)損失達(dá)350億美元,成為有記錄以來賠付額最高的地震。當(dāng)時,洪水災(zāi)害導(dǎo)致的經(jīng)濟(jì)損失同樣空前巨大。澳大利亞的洪水災(zāi)害是造成該國經(jīng)濟(jì)損失最大的災(zāi)害事件,保險(xiǎn)理賠額度達(dá)到了20億美元。而泰國當(dāng)年洪災(zāi)之后造成了高達(dá)120億美元的保險(xiǎn)理賠額。而我國,近幾年發(fā)生的汶川大地震、甘肅曲舟山洪泥石流以及玉樹地震,也都造成重大人員傷亡和財(cái)產(chǎn)損失。根據(jù)全國減災(zāi)委和民政部的統(tǒng)計(jì)數(shù)據(jù),2012年發(fā)生的自然災(zāi)害使2.9億人受到影響,摧毀房屋90萬間,造成直接經(jīng)濟(jì)損失4184億元。 我國巨災(zāi)保險(xiǎn)制度的建立迫在眉睫。本文從研究我國巨災(zāi)風(fēng)險(xiǎn)管理體系的現(xiàn)狀出發(fā),通過總結(jié)國外巨災(zāi)保險(xiǎn)的發(fā)展模式,總結(jié)探索巨災(zāi)風(fēng)險(xiǎn)管理體系建設(shè)的理論與實(shí)踐,認(rèn)為建立政府政策引導(dǎo)與商業(yè)保險(xiǎn)相結(jié)合得運(yùn)營模式,建立巨災(zāi)風(fēng)險(xiǎn)管理和巨災(zāi)基金機(jī)構(gòu),對巨災(zāi)保險(xiǎn)進(jìn)行再保險(xiǎn)和風(fēng)險(xiǎn)管理,提高巨災(zāi)基金的穩(wěn)定性和償付能力,從而形成適合我國當(dāng)前國情的由政府、商業(yè)保險(xiǎn)公司、投資者、國際再保險(xiǎn)人共同構(gòu)成的巨災(zāi)保險(xiǎn)體系,充分發(fā)揮保險(xiǎn)補(bǔ)充保障、輔助社會管理和促進(jìn)經(jīng)濟(jì)發(fā)展的作用。
[Abstract]:During the two sessions in 2013, catastrophe insurance, which is closely related to the safety of people's lives and property, received wide attention.Xiang Junbo, chairman of the China Insurance Regulatory Commission (CIRC), said: "the regulations on agricultural insurance have been implemented since March 1, and the CIRC will focus on the issue of catastrophe insurance in the next step."In addition, the 11 th National people's Congress of Guo Guangchang submitted the proposal on the establishment of catastrophe insurance system.He believed that China is a country with frequent natural disasters and should establish its own catastrophe risk protection system to protect the property in rural and urban areas.In recent years, the global catastrophe frequently, and the loss is serious.The 2011 earthquake in Japan caused insurance losses of $35 billion, the highest on record, according to a report from Swiss reinsurers.At that time, the economic losses caused by the flood disaster were also unprecedented.The flood disaster in Australia was the country's biggest economic loss, with insurance claims reaching $2 billion.Thailand's floods that year resulted in up to $12 billion in insurance claims.In China, Wenchuan earthquake, Quzhou Mountain flood debris flow and Yushu earthquake in recent years also caused heavy casualties and property losses.According to statistics from the National disaster reduction Commission and the Ministry of Civil Affairs, 290 million people were affected by natural disasters in 2012, 900000 houses were destroyed and 418.4 billion yuan in direct economic losses were caused.It is urgent to establish catastrophe insurance system in China.Based on the study of the current situation of catastrophe risk management system in China, this paper summarizes the development mode of catastrophe insurance in foreign countries, and explores the theory and practice of catastrophe risk management system construction.The author thinks that establishing the operation mode of combining government policy guidance with commercial insurance, establishing catastrophe risk management and catastrophe fund organization, reinsurance and risk management of catastrophe insurance, improving the stability and solvency of catastrophe fund.Thus, the catastrophe insurance system, which is composed of government, commercial insurance company, investor and international reinsurer, which is suitable for our country's current national conditions, can fully play the role of supplementary insurance protection, auxiliary social management and economic development.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.64

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