The Establishment of the Catastrophe Insurance System Dominated by the Government in China
|School||Tianjin University of Commerce|
|Keywords||Catastrophe Insurance Risk diversification Government-led|
China is a natural disaster-prone countries , every year more than 100 billion yuan in direct economic losses due to natural disasters , causing a serious threat to people's lives and property safety , hinder China's economic development , social stability , the building of a harmonious society , we need to establish a system to mitigate catastrophic harm catastrophe insurance just to meet this requirement . according to the experience of developed countries , the catastrophe insurance system play in disaster reduction role. In this paper, based on the experience of countries learn from the catastrophe insurance system is relatively mature , according to China's national conditions , proposed the establishment of a government led catastrophe insurance system . Firstly, from the limitations of traditional remedies , the market failure in the supply of catastrophe insurance , catastrophe insurance properties , these aspects of the positioning of the role of government and the catastrophe insurance 's role in the reconstruction of the government involved in catastrophe the reasons insurance system ; Second, analysis of national catastrophe insurance catastrophe insurance system in the United States , Japan , New Zealand, France , the more mature the status quo , and then analyzes the status quo of the catastrophe insurance system in China and a comparative analysis with the catastrophe insurance system is more mature countries ; then from perfect catastrophe insurance laws and regulations , and to improve the public 's awareness of crisis prevention , the scientific division of catastrophe Insurance and sound catastrophe insurance risk dispersion mechanism aspects study the construction of the path of the catastrophe insurance system in China ; Finally, the empirical comparative study of the role played by the catastrophe insurance system in the United States Hurricane Katrina , the Kobe earthquake in Japan and China Wenchuan earthquake .