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首先介绍巨灾风险损失补偿的市场化补偿机制和政府财政补偿机制,从巨灾风险的属性、金融功能观、市场失灵三个方面阐述政府和市场双方结合对风险进行补偿的必要性,然后从效率角度比较了两种补偿方式各自具有的特点,同时指出任何一种机制都不能单独承担巨灾损失的补偿责任。最后讨论政府参与巨灾风险损失补偿的责任边界,并提出了基于市场配置和政府干预的整合性巨灾风险损失补偿机制。
First of all, it introduces the market-based compensation mechanism of the catastrophe risk loss compensation and the government financial compensation mechanism, elaborates the necessity of combining the government and the market to compensate the risk from the aspects of catastrophe risk attribute, financial function view and market failure, From the perspective of efficiency, the two compensation methods have their own characteristics. At the same time, it is pointed out that neither mechanism can compensate for the catastrophic losses alone. Finally, it discusses the government’s responsibility boundary to participate in catastrophe risk loss compensation, and puts forward the compensation mechanism of integrated catastrophic risk loss based on market allocation and government intervention.