土耳其和法国巨灾保险制度对我国的启示

土耳其和法国的巨灾保险制度在建立背景、要素特征、运营管理模式、风险分散机制、财税政策多方面有很大的不同,对我国未来的灾害保险制度设计和运营管理有很大启示。我国应以“充分讨论,前期准备,瞄准时机,适时推出”的方式建立巨灾保险制度,保险覆盖的风险则以单风险为主,政府主要承担再保险人的角色,并加强配套基础设施的建设。

Revelations on the Mass Disaster Insurance Systems of Turkey and France

The mass disaster insurance systems of Turkey and France are different in many aspects,such as background,factor features,model of operation management,risk disperse mechanism and taxation policies. They are useful references to the design and operation management of our disaster insurance system. We should establish our mass disaster insurance on the bases of detailed discussion,full preparation,taking the right opportunity and timely recommendation.