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我国是一个地震多发国家,四川汶川大地震再一次敲响了警钟,地震保险制度建设已刻不容缓。现阶段应该从我国的实际情况出发,从实际操作层面着手,就我国地震保险制度,特别是城市居民住宅地震保险制度的建设,提出一个具体方案。此方案的提出需要确定几个基本方针,如国家主导,市场运作;统一规划,先分后统;先易后难,逐步推进;相对完善,尽快启动。需要明确几个基本原则,如区分住宅与非住宅建筑物;区分城市居民住宅与农村农民住房;以省为单位建立地震保险体系。需要解决几个基本问题,如模式问题;承保能力问题;基金归集问题;责任与限额问题;定价问题。
China is an earthquake-prone country. The earthquake in Wenchuan, Sichuan, once again sounded the alarm. The construction of the earthquake insurance system has become an urgent task. At this stage, we should proceed from the actual situation in our country and start from the practical operation level to put forward a concrete plan for the construction of China’s earthquake insurance system, especially the residential earthquake insurance system in urban areas. The proposal of this program needs to determine a few basic principles, such as the state-led and market operation; unified planning, the first to be followed; the easiest and harder to advance gradually; the better and the quicker the start. Several basic principles need to be clarified, such as distinguishing between residential and non-residential buildings; distinguishing between urban residential houses and rural peasant houses; and establishing an earthquake insurance system in the province. Need to address several basic issues, such as model problems; underwriting capacity problems; Fund Settlement issues; responsibilities and limits; pricing issues.