论文部分内容阅读
直接经济损失达8451亿元的“5.12”汶川大地震,仅获得来自保险业的赔付18.06亿元,这显示中国缺乏完善的巨灾风险管理长效机制。我国目前由政府主导的巨灾风险管理模式,已越来越不能适应社会经济发展和人民群众风险保障的需要。笔者认为,中国可在借鉴海外经验的基础上结合具体国情,引入巨灾保险证券化,与巨灾保险、再保险安排共同构成我国完善的巨灾保险制度。本文通过对再保险的不足进行分析,提出引入巨灾保险证券化的必要性和可行性,并对证券发行的特殊目的机构SPV的法律问题进行了探讨。
The direct economic loss of 845.1 billion yuan “5.12 ” Wenchuan earthquake, only received 1.806 billion yuan from the insurance industry, which shows that China lacks a sound long-term mechanism for catastrophe risk management. At present, the government-led catastrophe risk management model in our country has become increasingly unable to meet the needs of social and economic development and people’s risk protection. The author believes that China can learn from overseas experience on the basis of specific national conditions, the introduction of catastrophe insurance securitization, and catastrophe insurance, reinsurance arrangements constitute China’s perfect catastrophe insurance system. Based on the analysis of the insufficiency of reinsurance, this paper puts forward the necessity and feasibility of introducing catastrophe insurance securitization and probes into the legal issues of SPV, a special purpose institution for securities issuance.