湖南省小额巨灾保险机制创新研究

小额巨灾保险是巨灾风险管理机制的重要组成部分，是防灾减灾和灾后恢复重建的重要资金来源，对确保社会经济持续稳定发展具有十分重大的意义。通过巨灾保险法律法规保障体系的不断完善，按照政府为主导，与市场相结合的模式，建立科学合理的巨灾风险分散与转移机制，拓宽巨灾风险基金归集渠道，实现全民参与小额巨灾保险，巨灾风险是具有可保性的。以湖南省为研究对象，根据湖南开展小额保险的实践经验和理论探索，构建了投保人、直接保险公司、再保险公司、资本市场、政府等“五位一体”的小额巨灾保险机制，并提出了尽快推进湖南小额巨灾保险机制建设进程的政策建议，为湖南省政府各部门提供了好的决策依据。

esearch on the Mechanism of Small Premium Catastrophe Insurance in Hunan Province

The mechanism of small premium catastrophe insurance is not only an important part of the catastrophe risk management mechanism, but also an important source of funds for prevention and mitigation of disasters and for disaster recovery and reconstruction. It is of great significance to ensure the sustainable development of social economy. The catastrophe risk is insurable, under the condition of perfecting the catastrophe insurance law systems and in accordance with the government as the leading factor, and in combination with the market model, establishment and spreading of the scientific and reasonable mechanism of catastrophe risk, broadening catastrophe risk fund accumulation channels, and achieving universal participation in the micro catastrophe insurance. The small premium mechanism of catastrophe insurance in Hunan Province has been established in this paper based on five main bodies, i.e. the policy-holder, the direct insurance companies, the reinsurance companies, the capital market, and the government, according to the theory of micro insurance and practical experiences in Hunan Province. It also puts forward the policy suggestions on promoting the construction of small catastrophe insurance system in Hunan as soon as possible. Results have provided good decision-making bases for all the sectors of the Hunan provincial government.