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(一) 自1991年我国江淮发生特大洪涝灾害以来,江南地区尤其是沿海省份,几乎每年都遭到洪水、台风的袭击。虽然灾害在当地是几十年未遇甚至百年未遇,但保险财产损失并未造成整个保险系统亏损,然而却造成全系统资金紧张,一些县公司、地市公司甚至省分公司都发生了支付赔款困难。象这样规模的灾害,我们从事保险事业人员应有这样的思想准备,否则被突然其来的灾害弄得束手无策。反观国外的保险公司,即使在发生亏损的情况下,一般仍能及时支付赔款。其原因之一是进行
(1) Since the devastating floods in China’s JAC in 1991, the southern part of China, especially the coastal provinces, has been hit by floods and typhoons almost every year. Although the disasters did not occur in the local area for decades or even a hundred years, the loss of insurance property did not cause a loss of the entire insurance system. However, it caused system-wide financial constraints. Some county companies, prefectural and even provincial branches also incurred payments Indemnity difficulties. As a disaster of this magnitude, we should be prepared in the minds of insurers, who would otherwise be overwhelmed by sudden disasters. In contrast, foreign insurance companies, even in the event of a loss, can still pay the debts in time. One of the reasons is that