灾害学2025，Vol.40Issue(1)：48-52,159,6.DOI:10.3969/j.issn.1000-811X.2025.01.008
我国地震巨灾保险试点实践对比研究
Comparison Study for Pilots of China Earthquake Catastrophe Insurance
摘要
Abstract
Market mechanisms of earthquake catastrophe insurance play a positive role in disaster risk prevention,loss compensation,recovery and reconstruction.China has begun to promote Earthquake Catastrophe Insurance for urban and rural residents since 2015,conducted pilot projects in many provinces,and accumulated rich experience in earthquake in-surance practices.By reviewing the pilot models of the Earthquake Catastrophe Insurance in China and their complementation in the recent years,the domestic earthquake catastrophe insurance scheme for urban and rural residential buildings(that is,the National Earthquake Insurance Pooling Scheme),the Yunnan Scheme and the Sichuan Scheme are summarized to ana-lyze and compare the insurance subject,coverage,premium,compensation standards,premium source and loss sharing of all schemes above.The results indicate that beside the Earthquake Index Insurance of Yunnan whose claims are deter-mined by the magnitude,the rest of pilots are developed based on the National Earthquake Co-insurance,which have been adjusted and explored in combination with local seismic risk and economic development to develop the scheme of earthquake catastrophe insurance applicable for that area.However,Earthquake Catastrophe Insurance in China is still developing,and there are some limitations in policy and technology.Therefore,it is an urgent need to learn from the mature earthquake catastrophe insurance models abroad,and combine them with the results of existing pilots,for further promoting earthquake catastrophe insurance program in China with domestic characteristics and wide applicability.关键词
地震风险/巨灾保险/实践经验/方案对比Key words
seismic risk/catastrophe insurance/pilot experience/schedule comparison分类
环境科学引用本文复制引用
熊政辉,曲哲,宁超列,卜春尧,尹建明,薄涛..我国地震巨灾保险试点实践对比研究[J].灾害学,2025,40(1):48-52,159,6.基金项目
国家自然科学基金国际(地区)合作与交流项目"主余震序列作用下的群体建筑地震巨灾风险模型及保险损失研究"(52361135804) （地区）
国家重点研发计划"地震保险损失评估模型及应用研究"(2018YFC1504600) （2018YFC1504600）
北京市地震局科技项目青年专项"面向地震巨灾保险的超大城市房屋建筑分类耦合方法研究" （）
联通集团2023年核心技术攻关项目"面向城市治理的多维仿真推演关键技术与平台研发项目" （）
