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国家明确提出要建立财政支持的巨灾风险保险体系。本文简要阐述了巨灾保险的定义,从交易成本视角对逆向选择和道德风险两种情形下的投保人与保险人的博弈情况进行了分析。并结合分析结论,从强制保险制度、保险产品设计、查勘成本、风险分散机制等方面对加快巨灾保险试点提出建议。
The state explicitly proposed to establish a catastrophe risk insurance system with financial support. This paper briefly describes the definition of catastrophe insurance, and analyzes the game situation between policyholders and insurers in the two scenarios of adverse selection and moral hazard from the perspective of transaction costs. Combined with the conclusion of the analysis, suggestions are put forward to speed up catastrophe insurance pilot projects from aspects of compulsory insurance system, insurance product design, investigation cost and risk diversification mechanism.