论文部分内容阅读
一、国外地震保险补偿制度的发展模式保险是分摊和补偿地震灾害损失的经济保障形式,早在19世纪初,人们就开始寻求地震损失的分摊方式和运作程序,但皆因地震灾害的突发性强、破坏性大,损失又无法进行科学的概率论、大数法则的准确测算,加之商业保险的传统经营模式和补偿限度的制约,给地震保险的“禁区”划上句号,直至20世纪中叶,日本、新西兰、美国、墨西哥等经济发达、震灾严重之国,才不得不从强震的灾难中醒悟出地震保险的必要配套举措。纵观当今世界地震保险体系的构筑和发展模式,主要有“三优三劣”:优势之一:部分国家已逐步建立了法定地震保险制度(如新西兰、日本和美国部分地区),通过国家政府的立法程序,实行强制性、半强制性地震保险,构筑了较完善、较
I. Development Mode of Overseas Earthquake Insurance Compensation System Insurance is a form of economic guarantee to apportion and compensate for earthquake disaster losses. As early as the early 19th century, people began to seek ways and operation procedures for earthquake damage loss, but due to the sudden onset of earthquake disaster Strong, destructive, loss and unable to carry out scientific probability theory, accurate calculation of law of large numbers, combined with the traditional business insurance business model and compensation limits, to earthquake insurance “forbidden zone ” end, until The mid-20th century, Japan, New Zealand, the United States, Mexico and other economically developed and severely affected countries, had to wake up from the earthquake disaster disaster necessary supporting measures for earthquake insurance. Throughout the world earthquake insurance system construction and development model, there are three main advantages: one of the advantages: some countries have gradually established a legal earthquake insurance system (such as New Zealand, Japan and the United States in some areas), through National government legislative procedures, the mandatory, semi-mandatory earthquake insurance, to build a more perfect, more