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如何对巨灾风险进行有效管理,是世界范围内的难题和重大课题,也是当代保险业面临的严峻挑战。2008年初我国南方部分地区发生的严重低温雨雪冰冻灾害,保险业在抗灾救灾工作中发挥了积极作用。巨灾风险的基本特点主要是突发性强、风险结构复杂、损失程度大,所以,推动建立适合我国国情的巨灾风险管理体系已经成为当务之急。建立完整有效的巨灾风险管理体系,财政支持、巨灾保险和社会救助三方面缺一不可,而保险这种市场化机制应该发挥重要作用。保险业应该抓住难得的发展机遇,加快推进我国巨灾风险管理体系建设。扩大保险覆盖面,全方位参与巨灾风险管理;努力提升保险业自身能力,全过程参与巨灾风险管理;加强相关研究,逐步建立完善巨灾保险制度。
How to effectively manage catastrophic risks is a worldwide problem and a major issue, which is also a serious challenge facing the insurance industry in the contemporary era. At the beginning of 2008, severe low temperature snow and ice disaster occurred in some parts of southern China, and the insurance industry played a positive role in disaster relief work. The basic characteristics of catastrophe risk are mainly sudden and strong risk structure is complex, the degree of loss is large, therefore, to promote the establishment of catastrophe risk management system suitable for China’s national conditions has become a top priority. The establishment of a complete and effective catastrophe risk management system is indispensable in three aspects: financial support, catastrophe insurance and social assistance. The market-oriented mechanism of insurance should play an important role. The insurance industry should seize the rare opportunities for development and speed up the construction of China’s catastrophe risk management system. Expand insurance coverage and participate in catastrophe risk management in an all-round way; strive to enhance the insurance industry’s own capabilities and participate in catastrophe risk management throughout the entire process; strengthen relevant research and gradually establish and improve a catastrophe insurance system.