CAJ | 학술논문

随着2014年11月6日,宁波市政府出资3 800万元向商业保险公司购买6亿元的巨灾风险保障服务,标志着我国巨灾保险制度的试点工作就此正式展开。文章就我国目前巨灾保险的供求失衡问题进行经济学的理论与实证分析,指出巨灾保险产品技术性缺位明显、供给成本过高、保险业承保能力不足和再保险市场不发达等是影响我国巨灾保险供给短缺的重要因素;而巨灾保险的购买能力不足、消费者行为约束和政府救济等是影响我国巨灾保险需求不足的重要因素。最终分析出我国巨灾保险如果仅依靠政府或者市场机制运营是很难成功的,必须二者兼备,并据此提出相关对策建议。
수착2014년11월6일,저파시정부출자3 800만원향상업보험공사구매6억원적거재풍험보장복무,표지착아국거재보험제도적시점공작취차정식전개。문장취아국목전거재보험적공구실형문제진행경제학적이론여실증분석,지출거재보험산품기술성결위명현、공급성본과고、보험업승보능력불족화재보험시장불발체등시영향아국거재보험공급단결적중요인소;이거재보험적구매능력불족、소비자행위약속화정부구제등시영향아국거재보험수구불족적중요인소。최종분석출아국거재보험여과부의고정부혹자시장궤제운영시흔난성공적,필수이자겸비,병거차제출상관대책건의。
On November 6,2014,Ningbo government invested 38 million yuan to buy 600 million yuan of catastrophic riskprotection services for commercial insurance companies,marking the pilot of this catastrophe insurance system has beenlaunched. This paper makes economic theory and empirical analysis of China＇s current supply and demand imbalance catas-trophe insurance,and comes to a conclusion that there exist some important factors to affect its supply shortage,such as,thetechnical absence of catastrophe insurance product,the high supply cost,the insufficient insurance underwriting ability andthe undeveloped reinsurance market; And there are some important factors to affect its demand shortage,such as,lack of pur-chasing power of catastrophe insurance,consumer behavior constraints and government relief. The final analysis of our catas-trophe insurance is made,only the government or the market mechanism is very difficult to operate successfully,both of themare important. It provides direction and theoretical support and policy guidance for the development of catastrophe insurance.