发展我国洪水保险的制度思考--美国洪水保险制度的借鉴与启示

洪水保险是一项重要的非工程防洪措施。美国是世界上最早建立国家强制性洪水保险体制的国家,经过艰难曲折的探索,闯出了一条成功之路。我国的洪水保险体制还处于积极探索阶段。中美两国尽管国情差异较大,但以洪水保险作为推进洪泛区洪水风险管理的经济手段,并以立法和国家计划等措施来保障实施的作法是值得借鉴的。本文就美国洪水保险制度的发展与沿革,寻找对我国建立洪水保险制度一些有益的启示,并就此提出了一些建设性意见。

SOME IDEAS FOR THE DEVELOPMENT OF FLOOD INSURANCE SYSTEM IN CHINA

Flood insurance(FI) is a significant non-engineering anti-flood measure.The United States has developed a nation-wide compulsive FI system,which has achieved marvelous successes.In contrast,China's FI system is still in bud.In spite of the great disparity in the specific conditions of the two countries,the successful experience of the US FI system offers something for us to learn from.This paper describes the origin and development of the US FI system and presents some policy recommendations.