巨灾再保险

在借鉴发达国家的巨灾再保险模式的基础上，结合我国的实际国情，对我国应该采取的巨灾再保险模式做出了选择。

In borrowing from the catastrophe reinsurance model , based on the actual situation in our country , our country should be taken and made catastrophe reinsurance model selection .

并从政府和商业保险公司两个角度给出了建立我国巨灾再保险模式的对策建议，并探讨了在我国财险公司内部建立多级超赔分保模式的可能性。

And two from the perspective of government and commercial insurance companies are given the Establishment of catastrophe reinsurance model countermeasures , and to explore the property insurance company in China to establish multi-level excess of loss reinsurance model possibilities .

我国巨灾风险再保险中的分配机制研究

Study on the Allotment Mechanic of Catastrophe Risk Reinsurance

在全国范围内设立农业风险管理机构，为巨灾提供再保险，并建立一套农业灾害及损失统计的信息系统，统筹全国农业保险的发展。

Set up an agricultural risk management institution in the nation , provide reinsurance for catastrophe and establish a system of collecting agricultural disaster loss data .

对于巨灾风险，再保险尤其重要。再保险是世界经济中一个极为重要的部门。

For catastrophe risks , reinsurance is particularly important Reinsurance is one of the key department in the world economy .

他估计亚洲巨灾将令全球再保险行业（即为保险公司提供保险的行业）付出约500亿美元代价。

He estimated that the Asian catastrophes will cost the global reinsurance industry – the business of insuring insurers – some $ 50 billion .

一是政府方面要对目前实行的住房担保制度进行完善，二是巨灾保险和再保险机制的建立，三是金融监管机构要敦促商业银行对灾难备份系统的建设。

Firstly , the government has to improve the current housing security system ; Secondly , Catastrophe insurance and reinsurance mechanism need establishing as soon as possible ; Thirdly , the financial supervision organization must urge the commercial banks to construct the Catastrophe backup system .

中国巨灾风险管理：再保险的角色

Catastrophe Risk Management in China : The Role of Reinsurance

作为功能上与再保险基本相似的新型风险管理工具，巨灾债券具有传统再保险不可比拟的优势。

As a new tool of risk management , it has similar function and incomparable advantage compared with reinsurance .

在自然灾害频发的中国，传统的商业保险承保巨灾能力不足，再保险市场也无力为巨灾提供充分保障。

China is also a country where natural catastrophes frequently break out , while the underwriting capacity of Chinese insurance and reinsurance companies is far from adequate .

农业巨灾风险分散机制主要有农业巨灾保险再保险、农业巨灾保险证券化与建立农业巨灾风险基金等三种方式。

Agricultural catastrophe risk spreading mechanism is mainly in three ways : Agriculture catastrophe insurance and reinsurance , agriculture catastrophe insurance securitization and the establishment of agricultural catastrophe risk fund .

巨灾保险风险证券化作为国际上近十几年来补充巨灾风险保险和再保险的一种风险分散机制，已经越来越显示出其重要性。

As a risk disperse mechanism that internationally complement of catastrophe risk insurance and reinsurance in recent decades , catastrophe insurance risk securitization has already shown more and more importance .