| 地震保险的政策性与商业性探讨 |
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| 引用本文： | 戴应洪,陈敏,舒涛,郭欣.地震保险的政策性与商业性探讨[J].地震地磁观测与研究,2005(Z1). |
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| 作者姓名： | 戴应洪 陈敏 舒涛 郭欣 |
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| 作者单位： | 重庆市地震台
中国重庆400056(戴应洪，陈敏，舒涛)，重庆市地震台 中国重庆400056(郭欣) |
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| 摘 要： | 地震是群灾之首,一次破坏性地震可以造成巨大的生命和财产损失。地震保险风险责任大,是保险公司难以独立承担的业务,必然亏损;单位或个人心存侥幸,不愿投保。这种逆向选择的局面严重制约了地震保险业的发展。随着时代的进步和科学技术的发展,地震保险离我们愈近,本文就地震保险的政策引导和商业盈利进行探讨,提出建立灾害基金,政策性强制保险及保险公司非盈利性经营的一些看法。
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| 关 键 词： | 地震保险 政策引导 承保 投保 |
Discussion on the policy and commerce of the earthquake insurance |
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| Dai Yinghong,Chen Min,Shu Tao and Guo Xin.Discussion on the policy and commerce of the earthquake insurance[J].Seismological and Geomagnetic Observation and Research,2005(Z1). |
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| Authors: | Dai Yinghong Chen Min Shu Tao and Guo Xin |
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| Abstract: | The earthquake is the first of a group of calamity,a destructive earthquake can cause very enormous loss of life and property.The insurance risk responsibility of the earthquake is heavy,and is difficult business borne independently by insurance company.The unit or person do not know the earthquake,or feel relatively far and have nothing to do,or think little probability earthquake incident might not knock.Therefore person is unwilling to insure.The situation of such reverse choice has restricted the development of the earthquake insurance seriously.With the progress of times and the development of science and technology,the earthquake insurance is more close to us.We propose insurance policy guide and commercial profits.The setting up the calamity fund and non-commercial working and some manage of the compulsory insurance are proper. |
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| Keywords: | the earthquake insurance policy guide accept insurance insure |
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