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为应对频发地震灾害,分散地震巨灾风险,我国亟待构建地震保险制度,建立地震保险基金。本文考察了国际上三类主要地震保险基金模式的基金筹资和风险分担选择,根据我国现实需要,提出我国适宜建立公私合营、政府与市场共担风险的地震保险基金模式。
In order to cope with frequent earthquakes and disperse the risk of catastrophic earthquakes, China needs to construct an earthquake insurance system and establish an earthquake insurance fund. This paper examines the fund-raising and risk-sharing options of three types of major earthquake insurance funds in the world. According to the actual needs of our country, this paper proposes an earthquake insurance fund model suitable for public-private partnerships and shared risks between the government and the market in China.