【摘要】 地震灾害是造成人员伤亡和经济损失最严重的灾害之一。在国外,地震保险已成为地震灾害损失补偿的重要途径,其中日本的地震保险运行模式独具特色。在我国,地震保险作为社会化的风险损失承担机制还远未发挥出作用。本文简介了日本的地震灾害补偿机制和地震保险模式,分析了我国现行地震灾害补偿机制,提出建立符合我国国情的地震灾害补偿体系的政策建议。更多还原

【Abstract】 Earthquake disaster is one of the most serious disasters,which may result in heavy ca-sualty and economic loss.Earthquake insurance has become the important way to manage significant disastrous risk in developed countries.Among them,the manage model of earthquake insu-rance in Japan has its distinguishing feature.But in China,as a socialized system for disaster loss allocation,insurance has not played its constructive role.In this paper,the allocation mechanism of earthquake disaster loss and earthquake insurance model in Japan are introduced.The current allocation mechanism of earthquake disaster loss in China is analyzed also.Learning Japan’s experience as reference,the suggestion for constructing China’s earthquake risks transfer mode is presented,it should include the role of government,the development of insurance market and the idea of calamity-stricken people.更多还原