Conception On Establishing The Share Mechanism Of Our Country Great Disaster Insurance

The great disaster insures the question is a global question, is the insurance business a new domain which develops, is also insures the fundamental research a new topic, this is based on the great disaster the huge property damage which, the personnel mourning occurs frequently in the whole world as well as creates from this perishes with the Insurance company large amount insured losses.China is in the world one of natural disaster most serious countries, after overseas has the great disaster, the insurance proceeds may undertake 30% even 60%, 70% above loss compensation, in China, last year at the beginning of snow disaster from now on, insurance cover loss insufficient 1%, the Sichuan Wenchuan earthquake disaster insures the cover the loss is miniscule. The heavy loss which creates with the disaster compares, the insurance business present have paid damages the fund are a futile attempt without doubt, after economic compensation and disaster, reconstructs is not already realistic is inappropriate, but the society donates can only play the role which the fund supplemented, is impossible to become the disaster relief and the reconstruction main fund channel. Our country takes the country which a natural disaster sends much, facing the frequency low, loses the big giant disaster, must depend on the government to participate in the establishment one whole set great disaster risk sharing the mechanism. Therefore impels and consummates our country disaster insurance system and the system construction, is helpful in the socialism construction, adapts the global insurance market integration, promotes our country Insurance company's market competition strength. Therefore, establishes our country great disaster insurance system to have the great significance.This article based on oneself some research results, how discuss the Chinese great disaster from the whole to lose shares the mechanism to establish, in the full elaboration current domestic and foreign shares the tool which after the market method the great disaster loses, emphasized China, in the great disaster risk shares the market and the government respective function, and explained how to display the market and the government, in the great disaster risk shares in the mechanism the function (dispersion machine-made flow chart), finally take 5.12 big earthquakes as the example, had expounded from earthquake insurance's angle how our country should establish the great disaster risk scattered mechanism. The full text divides into five parts.The first part narrated studies the great disaster to lose shares the mechanism the background and the practical significance, carries on the literature to the domestic and foreign existing research results to summarize, and brief introduction research mentality and method as well as article structure.The second part was the first brief introduction related concept (great disaster's definition, classification and characteristic and so on), then introduced in detail the market solved this question method and the tool and the government in function.The third part studied China's great disaster to lose shares the mechanism the development present situation, including result which and existence question already obtained.The fourth part is take 5.12 big earthquakes as an example, had expounded from earthquake insurance's angle how our country should establish the great disaster risk to share the mechanism. The fifth part, in the consideration profits from the second part of findings in the foundation, in view of China's national condition, loses to the great disaster shares puts forward certain policy proposal with the risk management.This article conclusion is as follows:1, our country region is broad, the climate is complicated and diversified, the flood, the earthquake and so on great disaster occurs frequently, because simultaneously our country landform is complex, between the area the economy, the humanities situation difference is big, therefore in establishes our country great disaster to insure shares the mechanism in the process, must establish is suitable for the national most districts main principle, and when various regions carry out flexible, coordinates local the situation.2, since long, what our country adopts after is the disaster, loses take the state finance as the leading relief way, but after the government finance is merely the threshold provides the disaster provide reliefs, form and so on donation fund futile attempts, must therefore establish the Insurance company which supports by the government for the management main body mechanism. When one of great disaster insurance itself most major difficulties lies in the great disaster occurs, the Insurance company for a while cannot put out the large amount indemnity. But the government has the formidable fund raising ability, therefore, when the great disaster occurs, the government may provide the help to the Insurance company, the solution short-term collection large amount indemnity difficulty.3, I thought that our country great disaster risk dispersion system design the basic goal should be: The change present government in deals with in the great disaster risk"afterward"the recovery pattern, established one kind gradually the mechanism, the Jiangju disaster risk shifted"in anticipation"to a self-survival safe system. For example is usually setting up the Specialized agency to carry on the earthquake insurance the management, establishes the perfect earthquake insurance laws and regulations, establishes the great disaster risk reserve fund, the earthquake reduces disaster the measure the propaganda and the education and so on enhances the entire social disaster prevention consciousness and the insurance awareness.This article's research technique is with the canonical parse and the empirical analysis, the method which the theory and actual unifies, bases in our country condition, unifies our country the reality to study the theory, and has utilized economic some methods in the canonical parse. This article not only crosswise compared the domestic and foreign great disasters from the national whole to lose shares the mechanism, moreover from shared the main body one by one in the angle the crosswise comparison establishment government and the Insurance company, in the great disaster lost shares in the mechanism the function and the role.