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國(guó)外巨災(zāi)保險(xiǎn)責(zé)任準(zhǔn)備金運(yùn)作及對(duì)我國(guó)的啟示
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國(guó)外巨災(zāi)保險(xiǎn)責(zé)任準(zhǔn)備金運(yùn)作及對(duì)我國(guó)的啟示
摘 要:巨災(zāi)風(fēng)險(xiǎn)的存在使社會(huì)遭受極為嚴(yán)重的損失, 面對(duì)日益嚴(yán)重的巨災(zāi)損失，我國(guó)目前還未建立完備的巨災(zāi)保險(xiǎn)體系,災(zāi)后補(bǔ)償主要靠我國(guó)的財(cái)政政策的支持。這樣不僅會(huì)使國(guó)家財(cái)政背上沉重的負(fù)擔(dān)并且會(huì)對(duì)風(fēng)險(xiǎn)管理產(chǎn)生依賴心理,不利于我國(guó)的保險(xiǎn)事業(yè)的發(fā)展。如何建立1個(gè)具有我國(guó)特色的巨災(zāi)保險(xiǎn)體系是擺在我們面前的1個(gè)10分迫切的重大課題。在巨災(zāi)保險(xiǎn)體系中巨災(zāi)保險(xiǎn)責(zé)任準(zhǔn)備金的籌集和管理是1個(gè)10分重要的環(huán)節(jié)，它體現(xiàn)了保險(xiǎn)公司的償付能力和關(guān)系到保險(xiǎn)公司的生存。本文通過(guò)分析我國(guó)目前巨災(zāi)面臨狀況和借鑒國(guó)外先進(jìn)管理機(jī)制,對(duì)我國(guó)巨災(zāi)保險(xiǎn)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(gè)適合中國(guó)國(guó)情的巨災(zāi)保險(xiǎn)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(xiǎn)；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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