国外有关洪水保险的实践及对我国的启示

洪水保险是一项重要的非工程防洪措施,是行之有效的洪灾风险管理手段,已被越来越多的国家所重视.美国是最早以立法形式将洪水保险作为洪水风险管理系统,制定并实施全国性洪水保险计划的国家,经过艰难曲折的探索,闯出了一条成功之路.英国是成功地采用市场化洪水保险模式的国家之一.我国20世纪80年代末开始洪水保险尝试,目前还处于探索阶段.分析英、美两国不同的洪水保险制度,可以为我国提供借鉴.

Practice and inspiration of flood insurance in foreign countries

Flood insurance is an important non-structural measure to control flooding and an effective instrument of flood risk management, and has been paid attention in many countries. The United States is the first country which took flood insurance as flood risk management system through legislation and worked out and implemented a national flood insurance program. The national flood insurance program has eventually achieved a success through difficulties and setbacks. The United Kingdom is one of the some countries where private insurance schemes against flooding have been successfully implemented. China began to try flood insurance at the end of 1980s , which is still in the exploration phase. Analyzing different flood insurance regimes in the United States and the United Kingdom can provide experiences for reference.