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当前,我国单纯商业化的地震保险运作模式造成了品种单一、覆盖面窄、承保能力偏弱以及赔付水平极低等弊端,暴露出我国地震保险制度上的缺陷。本文以此为着眼点展开了分析并提出了相应的对策,认为必须尽快建立由国家财政支持、适合国情的地震保险制度。
At present, the simple commercialized mode of earthquake insurance operation in our country has caused the defects of single species, narrow coverage, weaker underwriting ability and extremely low level of compensation, exposing the defects of China’s earthquake insurance system. This article takes this as the point of departure, analyzes and puts forward corresponding countermeasures, and thinks that it is necessary to establish an earthquake insurance system that is supported by the national finance and suitable to the national conditions as soon as possible.