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从流域洪水风险管理和综合治理的角度看,应当充分发挥洪水保险的正外部性特征,促进流域的洪水风险的实际暴露情况的改善我国是一个灾害多发的国家,特别是洪水灾害。根据统计数据,1990～2010年间我国洪灾的年均损失额高达1202.8亿元,年均死亡人数高达2783人。从各国的洪水风险管理的实践看,工程措施与非工程措施的有机结合是有效的解决之道。新中国成立以来,我国开展了以洪水控制为主要目标的综合治理
From the perspectives of basin flood risk management and comprehensive governance, we should give full play to the positive externality characteristics of flood insurance and promote the actual exposure of flood waters in the basin. China is a country with frequent occurrence of disasters, especially flood disaster. According to statistics, the annual average loss of floods in China during 1990-2010 reached 120.28 billion yuan, with an average annual death toll of 2,783. From the practice of flood risk management in various countries, the organic combination of engineering measures and non-engineering measures is an effective solution. Since the founding of New China, China has carried out comprehensive control with flood control as its main objective