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发布时间:2022/09/07  点击量:


Better understanding of climate catastrophe insurance in China: issues and opportunities, international insights, and directions for development

 

Feng Kong, Yifei Wang

Corresponding author(s): Feng Kong, e-mail: kongfeng0824@cau.edu.cn

Natural Hazards, 12 August 2022

 

Abstract: Climate catastrophe insurance is an important tool for advancing China's comprehensive disaster prevention and mitigation efforts and an important part of modernizing China's national emergency management capabilities. Based on the understanding of the definition of catastrophe and China's climate catastrophe, this paper systematically analyzes the main problems and challenges faced by China's climate catastrophe risk management and elaborates on the characteristics of the current opportunities for the development of China's climate catastrophe insurance. The paper then summarizes the development features of international catastrophe insurance systems, compares the features of the Shenzhen and Ningbo pilots of catastrophe insurance in China, and proposes key focus points for the meteorological department to participate in climate catastrophe insurance. Finally, this paper proposes measures to enhance climate catastrophe insurance in China in future from the development of international catastrophe insurance and China's climate catastrophe pilot work. Firstly, consider the whole process of comprehensive disaster prevention and mitigation concept and play the role of the government and the market and other multi-body, to explore the construction of the catastrophe insurance system. Secondly, establish a special or comprehensive catastrophe insurance fund. Thirdly, promote the formation of public–private partnership sharing mechanism. Fourthly, the government should provide appropriate legal and policy support. Fifthly, use the market mechanisms to reduce government pressure on public finances in catastrophe insurance.

Keywords:Climate change risk; Climate catastrophe; Catastrophe insurance; Insurance mechanism; Chinese practice of climate catastrophe insurance; International practice of catastrophe insurance

 


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To link to this article: https://doi.org/10.1007/s11069-022-05501-w


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