| Yunnan Province is located on the southeast side of the collision zone between the Asian-European plate and the Indian Ocean plate.Plate tectonic movements are relatively strong.The province is located in a seismic intensity defense zone above 6 degrees,and 84% of the land area is in a 7-9 intensity defense zone.One of the provinces with the most frequent activities and the most severe earthquakes,the postdisaster recovery and reconstruction work is under great pressure.In order to better cope with the impact of the earthquake disaster,guarantee the people's life and property arrangements,and the smooth operation of the national economy,the Yunnan provincial government has been trying to explore various catastrophe risk management methods,and improve the organization and command system and emergency preparedness system.In 2014,the "State Council's Opinions on Accelerating the Development of Modern Insurance Service Industry" was promulgated,encouraging local governments to break through problems,launch corresponding products based on local characteristics,and use the power of the insurance market to build a disaster relief system.The Yunnan Provincial Government responded positively and launched a pilot program of policy-type farm insurance in Dali Prefecture in August 2015,becoming one of the first batch of catastrophe insurance pilots in China.As of May 2016,the former China Insurance Regulatory Commission and the Ministry of Finance issued and issued the "Implementation Plan for the Establishment of Urban and Rural Residents 'Earthquake Catastrophe Insurance System",and in May 2017,the Ministry of Finance issued the "Administrative Measures for the Special Reserve Funds for Urban and Rural Residents' Earthquake Catastrophe Insurance" The construction of China 's earthquake and catastrophe insurance system has been proceeding in an orderly manner,and the pilots in Yunnan have gradually expanded and a series of problems have been exposed.Improvements,such as the lack of supporting legal and policy support,weak local government finances,and low incentives for insurance companies to underwrite and people to insure themselves.How to continue to expand the scope of the pilot,enhance the protection effect and promote the pilot experience is the issue to be considered in the path of deepening the reform of the Yunnan earthquake insurance system.The main purpose of this paper is to study the interests and problems of the parties to the Dali State Earthquake Catastrophe Insurance System from the perspective of stakeholders,and to determine the improvement path of the Dali State Policy Rural Earthquake Insurance System.The article first introduces the research background and significance of the Dali State Rural House Earthquake Insurance Pilot,the current research status at home and abroad,and the research method and framework of this paper.Then it introduces the related concepts and theoretical basis of earthquake catastrophe insurance,analyzes the theoretical connotation of earthquake catastrophe insurance,and details the specific provisions of China's earthquake catastrophe insurance system,as well as the original intention and expectations of the top-level design.Then it reviews the practice process and effectiveness of the earthquake disaster insurance Yunnan pilot.The development history and specific methods of the theoretical exploration,pilot implementation,and claims inspection of the Dali pilot are introduced,and the effectiveness and current status of the Dali pilot are summarized from a large amount of first-hand information on the pilot work.Conduct questionnaire surveys and visits based on the actual stakeholder demands of the pilot to analyze the existing problems in the pilot.Finally,based on the results of the problem analysis and the actual situation in Yunnan Province,suggestions are made on the path selection for the implementation of the earthquake catastrophe insurance reform. |
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