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构建巨灾保险体系是提高巨灾防御能力、促进灾后恢复与重建的有效举措。又好又快地促进我国巨灾保险体系的健康发展,是我国政府和社会各界共同面临的重要而又紧迫的任务。日本是地震灾害的重灾国,在震灾保险体系的建设方面走在了国际前列,相关的经验和做法对我国巨灾保险体系的发展有着不可多得的借鉴意义。本文系统地讨论了日本震灾保险体系的发展背景、主要特点、经营方式和运行模式,对其发展状况和面临的挑战进行了分析。
Building a catastrophe insurance system is an effective measure to improve catastrophe defense capabilities and promote post-disaster recovery and reconstruction. It is an important and urgent task for both our government and the community to face the healthy development of our catastrophe insurance system in a sound and fast manner. Japan is the hardest hit by the earthquake disaster and has taken a leading position internationally in the construction of the earthquake disaster insurance system. Relevant experience and practice have a very important reference for the development of the catastrophe insurance system in China. This paper systematically discusses the development background, main characteristics, mode of operation and operation mode of Japan earthquake disaster insurance system, and analyzes its development status and challenges.