浅谈抵御地震灾害减少损失的地震保险新理念

地震保险是各级政府、地震部门和保险公司相结合,共同推进综合防震减灾工作的一项重大措施,目的在于,在发生地震后能够为参加财产保险的单位或家庭提供及时、充分的经济补偿,支持受灾企业及时恢复生产经营,帮助受灾群众重建家园,而且还能起到安定人心、稳定社会的作用。本文针对地震保险的现实意义,分析讨论了国外国内开展地震保险的情况和经验,结合我国的实际,提出建立地震保险制度,并对其中的问题做了进一步的探讨,还对今后地震保险研究存在的问题提出具有现实意义的建议。

A New Concept of Earthquake Insurance to Prevent Earthquake Disaster and Reduce Loss

Earthquake insurance is an important measure to promote the comprehensive earthquake disaster mitigation collaborated by governments of different levels, earthquake resistance departments and insurance companies. The object is to provide the organization or family participating the property insurance a timely and full economic compensation after the earthquake occurred. The disaster affectedenterprise can resume the production and business, people can rebuild their home , and thus be effective in reassuring the public and maintaining a stable society . In accordance with its practical meaning, the situations and experiences of the foreign and domestic earthquake insurance are analyzed in this paper . According to domestic practice , setting up of earthquake insurance system is presented , and some related problems are further discussed. Existing problems on the investigation of earthquake insurance in future are also suggested .