Because the catastrophe insurance system is almost blank in China, especially when it comes to catastrophe accidents, the whole insurance industry seems to be unable to do so. Take the freezing rain and snow disaster as an example. As of February 12, the direct economic loss caused by the disaster reached 1 1 1000 billion yuan. Despite the insurance industry? Active payment? Insurable compensation amount is less than 65438+ 0% of total loss. On the other hand, in foreign countries, after the catastrophe, insurance claims can bear more than 30% of the losses, and even reach 60% and 70% in developed countries.
China is a country where earthquakes, floods, typhoons and other natural disasters occur frequently, resulting in economic losses of more than 654.38+000 billion yuan every year. Based on the present situation of catastrophe insurance in China, it is undoubtedly objective and pragmatic for CIRC to propose a government-led catastrophe insurance system.
At the same time, the author thinks that catastrophe risk fund must be established. The fund can be raised from three channels: first, through the state finance, it is directly allocated in a certain proportion every year; The second is commercial insurance companies, which are extracted from the annual premium income according to a certain proportion; The third is to use the national fiscal and taxation leverage to implement tax reduction policies and reduce the business tax rate of existing insurance companies. After the establishment of the Catastrophe Fund, the state will also designate specialized agencies to strictly supervise the collection, use and operation of the Fund.