政府财政主导下的巨灾风险融资体系建设

面对日益增加的巨灾风险事故和巨额的经济损失,我国在巨灾风险融资方面陷入了政府救济不堪负重,保险市场供需双冷、金融市场严重缺位、社会捐助问题重重的困境。基于此,需要通过大力发挥政府财政的间接作用,以撬动保险市场和金融市场,调动社会捐助积极性,将巨灾风险向国内外社会进行分散,最终形成一个以政府财政为核心、保险市场和金融市场为支柱、社会捐助为补充的巨灾融资体系,为巨灾事故发生后不同层次和不同主体的短期、中期、长期的资金需求提供融资保障。

Construction of Financing System for Catastrophe Risk Based on Government Finance

In the face of increasing catastrophic risk, and huge economic losses in China, the financing for ca tastrophe risk entered into a predicament that government＇s financing are heavily burdened, insurance market supply and demand are inadequate, financial markets are seriously absent, and social contributions are much difficult. Based on this, we need to strengthen the indirect effects of government finances, through which to lever the insurance and financial markets, to mobilize the enthusiasm of social contributions. Thus the catastrophe risk could be dispersed to the domestic and international community. Together, they constitute the catastrophe risk financing system, to provide financing security for the short-term, levels. medium-term and long-term needs of different bodies and levels.