CAJ | 학술논문

从供求角度分析了恐怖风险保险市场失灵或存在缺陷的原因,阐释了政府参与下恐怖风险的可保性,并以美国为例介绍了美国恐怖风险保险市场的供给、需求和政府参与情况.最后得出结论:恐怖风险保险仅仅通过商业保险公司以自愿形式承保是行不通的,只有在政府与商业保险公司共同参与的前提下,才能实现恐怖风险保险市场供给与需求的平衡,进而提高市场效率.
종공구각도분석료공포풍험보험시장실령혹존재결함적원인,천석료정부삼여하공포풍험적가보성,병이미국위례개소료미국공포풍험보험시장적공급、수구화정부삼여정황.최후득출결론:공포풍험보험부부통과상업보험공사이자원형식승보시행불통적,지유재정부여상업보험공사공동삼여적전제하,재능실현공포풍험보험시장공급여수구적평형,진이제고시장효솔.
This paper analyzes the reasons why terrorism risk insurance market falls in failure or defect from the perspective of supply and demand,illustrates the insurability of the terrorism risk with the participation of the government and introduces the supply,demand and government participation of American terrorism risk insurance market by taking the United States as an example,finally,it comes to a conclusion that the realization of terrorism risk insurance is not feasible only by commercial insurance companies with voluntary under-writing,the balance of supply and demand of terrorism risk insurance market can be achieved under the promise of the effective partici-pation of the government and commercial insurance companies,so as to improve the market efficiency.