CAJ | 학술논문

近年来,我国每年因自然灾害及重大事故造成的经济损失数以千亿计。然而,作为防范洪水、地震等巨灾风险的巨灾保险作用甚微,巨灾保险市场却存在着远远超过目前保险业供给能力的现实和潜在需求。因此,针对这一现状,运用制度经济学的理论,分析了巨灾保险产品的准公共品属性,并在此基础上阐述导致巨灾保险市场失灵的原因,给出相应的对策。
근년래,아국매년인자연재해급중대사고조성적경제손실수이천억계。연이,작위방범홍수、지진등거재풍험적거재보험작용심미,거재보험시장각존재착원원초과목전보험업공급능력적현실화잠재수구。인차,침대저일현상,운용제도경제학적이론,분석료거재보험산품적준공공품속성,병재차기출상천술도치거재보험시장실령적원인,급출상응적대책。
In recent years, China＇s annual natural disasters and major accidents result in about hundreds of billions of dollars economic losses. Catastrophe insurance.in China don＇t play its role on preventing floods, earthquakes and other catastrophic risks. In response to this situation, this paper analyzes the quasi - public goods properties of catastrophe insurance products using the institutional economics theory and the reasons of China＇s catastrophe insurance market failure. Further, this paper gives the corresponding