Dissertation > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance

The Establishment of the Catastrophe Insurance System Dominated by the Government in China

Author GuoZhaoXing
Tutor HaoJianXin
School Tianjin University of Commerce
Course Administration
Keywords Catastrophe Insurance Risk diversification Government-led
CLC F842.6
Type Master's thesis
Year 2010
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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 .

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