中国水利Issue(12)：52-56,5.DOI:10.3969/j.issn.1000-1123.2025.12.008
洪水巨灾保险现状分析及对策建议
Analysis on the current status and countermeasures of flood catastrophe insurance
摘要
Abstract
As a market-oriented risk transfer mechanism,flood catastrophe insurance is an important economic risk dispersion tool among non-engineering flood control measures..It plays a significant role in maintaining the stability of production and life in disaster areas and facilitating post-disaster reconstruction.Unlike ordinary commercial insurance,insurance for disastrous floods is not realistically measurable,and once a flood disaster occurs,most insured objects will suffer losses simultaneously that impose great impact on insurance companies.Due to the facts that the insurance mechanism is still in its infancy,lacking of technology and awareness of the public,the role of insurance in risk diversification and loss compensation has not been fully played.Currently,a number of issues exist in China,such as lacking of a systematic legal and regulatory system,a mature market and a perfect risk diversification system.It is necessary to popularize the insurance,strengthen technology development and application,raise public awareness and willingness of purchasing insurance.It is also urgent to deepen integration of insurance for disastrous floods with national policies for disaster reduction through reinforcement of legislation,policy making,risk mitigation,supply-side structural reform and popularization of insurance for disastrous floods.关键词
洪水巨灾保险/风险分散/长效机制/巨灾模型Key words
insurance for disastrous floods/risk diversification/long-term mechanism/disastrous flood model分类
水利科学引用本文复制引用
王燕云,周俊华,吕娟..洪水巨灾保险现状分析及对策建议[J].中国水利,2025,(12):52-56,5.基金项目
国家重点研发计划项目(2023YFC306604) （2023YFC306604）
中国保险学会2023年度研究课题(ISCKT2023-N-1-20). （ISCKT2023-N-1-20）
