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设置科学的震灾保险运行机制,是各国保险业界和地震科技工作者孜孜不倦的追求目标之一,人们为此付出了辛勤的劳动。然而长期以来该项研究进展缓慢,更无实质性的突破;震灾保险业务的严重滞后,使之成为制约保险业发展的一大顽症。原因何在?本文作者经过多年的探索强烈意识到,国外典型模式的先天性不足,使得人们已无法通过局部改良来有效消除其弊端;而根深蒂固的因袭观念和习惯性思维的影响,又是阻拦研究工作开辟新思路、新途径的最大思想屏障。基于这种真切的感悟,以及对震灾保险社会属性与技术合理性的深层分析论证,笔者为其科学运行构思了一整套全新的概念和机制,并有理由相信,这一新型制式的施行,将对我国震灾保险的业务拓展起到重大的促进作用。
Setting scientific earthquake disaster insurance operation mechanism is one of the tireless pursuit goals of the insurance industry and earthquake science and technology workers in various countries. People have worked hard for this. However, the research has been slow and has no substantial breakthrough for a long time. The severe lag of earthquake insurance business makes it a major chronic disease that restricts the development of the insurance industry. After many years of exploration, the author of this paper realizes that the congenital deficiency of the typical models abroad makes people unable to effectively eliminate their defects through partial improvement. However, the deep-rooted concept of inheritance and the influence of habitual thinking are also barriers to research Work opened up new ideas, new ways of thinking the biggest barrier. Based on this real sentiment, as well as the deep analysis and demonstration of the social property and technical rationality of earthquake disaster insurance, the author has conceived a whole new concept and mechanism for its scientific operation and has reason to believe that the implementation of this new type of system, It will greatly promote the business expansion of China’s earthquake disaster insurance.