汶川大地震后关于我国地震保险制度的初步研究
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摘要
我国地震灾害严重,灾害后的经济补偿主要靠财政补贴,商业保险的偿付能力非常有限,本文将结合日本地震保险模式,对我国地震保险制度的建立给出建议。通过对地震保险制度的研究,引导人们逐渐树立起一种全新的保险理念,共同抵御地震灾害减少损失。
The earthquake disaster of our country is serious, the economic compensation after the earthquake disaster is mainly compensated by fiscal subsidies, the compensation of commercial insurance is very limited. We should learn about the experience of the insurance system in Japan and finally give some suggestion about the establishment of the earthquake insurance system. To guide people to set up one kind of brand-new insurance idea gradually, it should resist a disaster commonly and cut down the loss by the study of earthquake insurance system.
The earthquake disaster of our country is serious, the economic compensation after the earthquake disaster is mainly compensated by fiscal subsidies, the compensation of commercial insurance is very limited. We should learn about the experience of the insurance system in Japan and finally give some suggestion about the establishment of the earthquake insurance system. To guide people to set up one kind of brand-new insurance idea gradually, it should resist a disaster commonly and cut down the loss by the study of earthquake insurance system.
引文
[1]赵苑达.日本地震保险:制度设计·评析与借鉴[J].东北财经大学学报,2003,(2):18-21.
[2]刘正文,龚日朝.构建和谐社会下的巨灾保险体系[J].南华大学学报,2007,8(1):53-56.
[3]吉玉荣.浅议地震保险制度[J].南京审计学院学报,2008,5(3):21-25.
[4]郑宝华,李东.我国巨灾保险模式探讨[J].探索,2008,(4):106-108.
[5]李晓杰.基于博弈分析的我国巨灾保险的模式研究[D].湖南大学,2007.11-15.
[6]苏龙.浅谈巨灾风险证券化在我国的应用[D].西南财经大学,2006.16-19,30-33.
[2]刘正文,龚日朝.构建和谐社会下的巨灾保险体系[J].南华大学学报,2007,8(1):53-56.
[3]吉玉荣.浅议地震保险制度[J].南京审计学院学报,2008,5(3):21-25.
[4]郑宝华,李东.我国巨灾保险模式探讨[J].探索,2008,(4):106-108.
[5]李晓杰.基于博弈分析的我国巨灾保险的模式研究[D].湖南大学,2007.11-15.
[6]苏龙.浅谈巨灾风险证券化在我国的应用[D].西南财经大学,2006.16-19,30-33.
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