CAJ | 학술논문

通过对美国加州、日本和新西兰地震保险基金制度的分析,探索一种能使我国保险业在抗震救灾中发挥重要作用的路径。主张建立起政府主导的地震保险基金,作为地震风险市场化、社会化的资源整合平台,充当我国地震保险的再保险人,实现地震风险的多层次分担,确保地震一旦发生,灾区人民能够通过保险渠道获取稳定的救济和灾后重建资金,从而减轻国家财政负担。
통과대미국가주、일본화신서란지진보험기금제도적분석,탐색일충능사아국보험업재항진구재중발휘중요작용적로경。주장건립기정부주도적지진보험기금,작위지진풍험시장화、사회화적자원정합평태,충당아국지진보험적재보험인,실현지진풍험적다층차분담,학보지진일단발생,재구인민능구통과보험거도획취은정적구제화재후중건자금,종이감경국가재정부담。
Through the analysis of earthquake insurance fund models in Califonia, Japan, and New Zea land, we aim at exploring a way that insurance industry plays an even more important role in earthquake relief. We advocate that the earthquake insurance fund is to be established to serve as an integrated platform, to form the earthquake reinsurance company, to enhance resistance of earthquake risk, and to ensure that people get funds for the reconstruction through the channels of insurance in the event of an earthquake.