| 巨灾保险制度比较研究及其对中国的启示 |
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| 引用本文： | 周学峰.巨灾保险制度比较研究及其对中国的启示[J].北京航空航天大学学报(社会科学版),2012,25(3):46-55. |
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| 作者姓名： | 周学峰 |
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| 作者单位： | 北京航空航天大学法学院,北京,100191 |
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| 基金项目： | 教育部人文社科研究青年基金，中央高校基本科研业务费专项资金项目 |
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| 摘 要： | 中国是世界上自然灾害最为严重的国家之一,但巨灾保险缺失。通过对日本地震保险、新西兰地震保险、美国加利福尼亚州地震保险、美国国家洪水保险、英国洪水保险和美国佛罗里达州飓风保险进行研究后发现,商业保险市场无力支撑巨灾保险,政府的界入是必要的和有益的。中国应以地震保险为试点尽早建立政府支持的巨灾保险制度。
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| 关 键 词： | 自然灾害 巨灾保险 政府界入 |
Comparative Research on Catastrophe Insurance and the Suggestion for China |
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| Zhou Xuefeng.Comparative Research on Catastrophe Insurance and the Suggestion for China[J].Journal of Beijing University of Aeronautics and Astronautics(Social Sciences Edition),2012,25(3):46-55. |
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| Authors: | Zhou Xuefeng |
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| Institution: | Zhou Xuefeng(School of Law,Beijing University of Aeronautics and Astronautics,Beijing 100191,China) |
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| Abstract: | China is one of the countries that are most vulnerable to the natural catastrophes,however,it lacks of catastrophe insurance.Through the study of Japan’s earthquake insurance,New Zealand’s earthquake insurance,California’s earthquake insurance,American national flood insurance programme,British flood insurance and Florida hurricane insurance,the paper finds that catastrophe insurance cannot be sustained by the private insurance market and the intervention by the government is necessary and beneficiary.China should establish a system of catastrophe insurance backed by the government as soon as possible through the test of earthquake insurance. |
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| Keywords: | natural catastrophe catastrophe insurance intervention by the government |
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