摘要
近年来,重大灾害发生频率和强度日益增加,考验着我国应急管理能力与水平。应急管理常态化、应急管理重心前移和多元主体协同共治等发展现实对治理能力提出新要求,呼唤市场机制的参与。巨灾保险作为金融业的重要组成部分和灾害风险管理的专业工具,在应急管理协同中的角色定位经历着从资源提供者到风险管理者,最终转向风险管理监督者的演变。多元角色和多重功能定位决定了巨灾保险发挥损失补偿、资金融通、风险管理和社会治理等多项功能。为进一步明晰角色定位,保障功能有效发挥,应完善巨灾保险与应急管理合作的制度供给并探索其实践路径,进而实现巨灾保险与国家应急管理的协同合作。
In recent years,the frequency and intensity of major disasters have increased significantly,testing China’s emergency management capabilities and levels.The inormalization of emergency management,the focus of emergency management shifting from post disaster response to exante risk prevention and the coordination of multiple participants,have put forward new requirements for governance capabilities and call for the participation of market mechanisms.As an important part of the financial industry and a professional tool for disaster risk management,the role of catastrophe insurance in emergency management has experienced the evolution from resource provider to risk manager,and finally to risk management supervisor.Multiple roles determine that catastrophe insurance plays multiple functions,such as loss compensation,funding,risk management and social governance.In order to further clarify the roles and ensure the effective of function,the institutional and practical paths of the cooperation between catastrophe insurance and emergency management should be explored,so as to realize the collaborative cooperation.
作者
刘玮
孙双琳
Liu Wei;Sun Shuanglin
出处
《中国应急管理科学》
2022年第7期39-50,共12页
Journal of China Emergency Management Science
基金
中国地震局重大政策理论与实践问题研究课题:新发展阶段中国特色防震减灾体系研究(CEAZY2022JZ02)
关键词
巨灾保险
应急管理
社会治理
Catastrophe Insurance
Emergency Management
Social Governance
作者简介
刘玮,南开大学金融学院风险管理与保险学系教授、博士生导师,南开大学灾害风险管理与巨灾保险研究中心主任;孙双琳,南开大学金融学院博士研究生
