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建议人:全国人大代表、湖北保监局局长任建国案由:我国是各种自然灾害多发国,平均每年因自然灾害造成的经济损失占到GDP的3%到4%,今年的雪灾造成直接经济损失过干亿元,对经济社会发展造成了较大影响。与严峻的灾害形势比,我国巨灾风险管理水平较低,利用保险手段分散巨灾风险的能力十分有限,截至目前保险赔付只占雪灾损失不到2%,远低于全球36%的平均水平。
Proposer: NPC Representative and Director of Hubei Insurance Regulatory Bureau Ren Jianguo Case: China is a country with many natural disasters and its average annual economic loss caused by natural disasters accounts for 3% to 4% of GDP. This year’s snowstorm caused direct economic losses Over a hundred million yuan has caused a great impact on economic and social development. Compared with the severe disaster situation, the management level of catastrophe risk in our country is relatively low. The ability to disperse the catastrophic catastrophe risk by means of insurance is very limited. Up to now, the insurance compensation accounts for less than 2% of the snowstorm losses and well below the global average of 36% .