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山东是我国海洋灾害较为严重的省份,每年因海洋灾害造成的直接经济损失达数十亿元。保险作为市场化的风险转移机制为山东海洋灾害风险补偿和救助发挥了巨大的作用,但目前山东保险业在参与海洋灾害风险管理过程中仍存在诸多问题。本文对这些问题及其根源进行分析,并有针对性地提出了相关对策。
Shandong is a province where the marine disasters are more serious in our country. Each year, direct economic losses caused by marine disasters reach billions of yuan. Insurance as a market-based risk transfer mechanism has played a huge role in Shandong marine disaster risk compensation and rescue, but at present there are still many problems in Shandong insurance industry participating in the management of marine disaster risk. This article analyzes these problems and their causes, and puts forward relevant countermeasures in a targeted manner.