论文部分内容阅读
洪水、地震、台风……,是我国财产保险赔偿责任中的重要列项。它区别于国际保险业同类条款,曾被体现为具有制度优越性的范例。并因复业初期保险公司的平稳经营和对国家财政的“丰厚贡献”,而似乎被实践佐证。然而,近几年来频发的各类大灾,特别是’91华东水灾以及’93年南粤地区的台风洪水,使当地保险业遭受了严重的财务冲击,(而我国保险复业避开了本世纪第四地震活跃期如唐山大地震的上百亿经济损失),大自然已开始向这一传统保险制式发出了警告。今天,重新辨识把握这类巨灾风险规律的方式方法,探究其与保险经营的种种(?),是(?)的。相信本刊续载的两份文章,会给关心于此的读者们(?)
Floods, earthquakes, typhoons ... are the important items in our country’s property insurance liability. It is different from the similar provisions of the international insurance industry and has been reflected as an example of institutional superiority. And because of the smooth operation of insurance companies in the initial stage of reunification and the “tremendous contribution” to state finance, it seems to be corroborated by practice. However, the frequent catastrophic catastrophes in recent years, in particular the ’91 East China floods and the typhoon floods in ’93 in southern Guangdong, have caused the local insurance industry to suffer serious financial shocks (while China’s insurance industry has escaped this century Earthquakes such as the tens of billions of dollars in economic losses during the Tangshan earthquake), Nature has started to warn of this traditional insurance formula. Today, it is (?) To re-identify the ways and means of grasping the law of catastrophe risk of such catastrophes and exploring the various (? Believe that the two articles reproduced in this issue, readers will be interested in this?