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國外巨災(zāi)保險責(zé)任準(zhǔn)備金運(yùn)作及對我國的啟示
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國外巨災(zāi)保險責(zé)任準(zhǔn)備金運(yùn)作及對我國的啟示
摘 要:巨災(zāi)風(fēng)險的存在使社會遭受極為嚴(yán)重的損失, 面對日益嚴(yán)重的巨災(zāi)損失，我國目前還未建立完備的巨災(zāi)保險體系,災(zāi)后補(bǔ)償主要靠我國的財政政策的支持。這樣不僅會使國家財政背上沉重的負(fù)擔(dān)并且會對風(fēng)險管理產(chǎn)生依賴心理,不利于我國的保險事業(yè)的發(fā)展。如何建立1個具有我國特色的巨災(zāi)保險體系是擺在我們面前的1個10分迫切的重大課題。在巨災(zāi)保險體系中巨災(zāi)保險責(zé)任準(zhǔn)備金的籌集和管理是1個10分重要的環(huán)節(jié)，它體現(xiàn)了保險公司的償付能力和關(guān)系到保險公司的生存。本文通過分析我國目前巨災(zāi)面臨狀況和借鑒國外先進(jìn)管理機(jī)制,對我國巨災(zāi)保險責(zé)任準(zhǔn)備金的籌集途徑和管理進(jìn)行深入研究，希冀從中找到1個適合中國國情的巨災(zāi)保險責(zé)任準(zhǔn)備金的籌集途徑和管理方法。
關(guān)鍵詞:巨災(zāi)；巨災(zāi)風(fēng)險；巨災(zāi)責(zé)任準(zhǔn)備金；責(zé)任準(zhǔn)備金籌集；責(zé)任準(zhǔn)備金的管理
Overseas great disaster insurance fund financing and policing method to our country enlightenment
Abstract: The great disaster risk existence causes the society to suffer the extremely serious loss. Loses day by day facing the serious great disaster. At present, Our country does not have the establishment complete great disaster safe system ,After the disaster compensates mainly depends on our country the financial policy .Like this not only can cause the national finance to carry on the back the serious burden and to be able to have the dependent psychology to the risk management . Insures in the system at the great disaster the great disaster to insure the responsibility reserve fund the collection and the management is an extremely important link . It manifested the insurance company to reimburse the ability and relates the insurance company the survival. This article through analyzes our country at present the great disaster faced with the condition and the model overseas advanced management mechanism . Insures the responsibility reserve fund to the our country great disaster the collection way and the management conducts the thorough research . Found to suit the Chinese national condition the great disaster to insure the responsibility preparation the collection way and the management.
Keywords: Great disaster; Great disaster risk; Great disaster responsibility reserve fund; Responsibility reserve fund collection; Responsibility reserve fund management
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