Exercises should conform to the trend of insurance risk management for disaster reduction

Was supposed to mists and ripples of Poyang Lake and Dongting Lake, and shuitianyise, now as if still in the winter dry season, is different, original wetland has become the vast dry season "Prairie", grass and reeds of whole areas of overgrowth. This year, especially after April, serious low precipitation in the middle and lower reaches of the Yangtze River, River to water shortage, the water level continued to be on the low, resulting in some provinces suffered varying degrees of drought, production once again faced the challenge of life of people. In recent years, major disasters occur frequently, disaster debris flows, floods, droughts, earthquakes, ice and other people's production caused serious loss of life. As far as Switzerland reinsurance statistics, in 2010, the global total of 304 catastrophic incidents occurred, of which 167 cases of natural disasters, is the largest number of natural disasters since 1970 year 2010 economic loss of some $ 218 billion, more than 3 times times meet the 2009, insurance losses exceeded US $ 43 billion, representing a growth of more than 60%. Recommended reading insurance weekly: April premium as scheduled diving silver insurance effect or Super expected insurance funded participation protection room looked was batch insurance funded contrarian buy wrong killed "white horse unit" new shares frequently break insurance funded playing new encounter floating losses car sales decline drag casualty profit tailored buy insurance figure out terms then Xia Dan Qiming: shocks city in the how mining Daniel unit as market of social mutual aid mechanism and risk management mechanism, insurance participation social risk management has natural of advantage. "Through the " of insurance; prior arrangement " compensation mechanisms, self-healing capabilities to enhance social and repair feature, insurance risk identification, assessment, prevention and solution of improving the capacity of, helps to reduce disaster vulnerability of the community. "Assistant to the President of the China insurance regulatory Commission on Chen at a recent annual meeting of the Insurance Institute of the Chinese is emphasized. Features missing gaps civilian disaster relief Department statistics show that as of May 27, Jiangsu, Anhui, Jiangxi, Hubei, Hunan, 5 34.833 million people affected by drought and 4.236 million drinking water problems, 5.065 million people need assistance; drinking water problem size 1.07 million head of livestock (only), area of 3705.1 thousand hectares of crops, which have no harvest of 166.8 thousand hectares; 14.94 billion yuan in direct economic losses. How to enable people to obtain financial compensation, as the most practical problem. As the best means of compensation and risk transfer and insurance risk management function of responding to natural disasters could not be brought into full play. Statistics show that in the 12 years since 1998, the national average in each of the 294.751 billion yuan in direct economic losses caused by natural disasters, including through the aid relief compensation amount of $ 19.41 billion, the proportion is only 5.9% per cent of total economic losses, loss compensation gap amounting to $ 275.341 billion. That is, about 94% of the natural disaster risk has not been effectively transferred and distributed. Drought disaster risk compensation is also facing the same dilemma. In 2010, the five southwestern provinces (cities, districts) for total 40.78 billion yuan in direct economic losses caused by drought, Central xiabo drought relief funds $ 1.332 billion, compensation gap amounting to $ 39.448 billion. Even counting the Ministry received disaster relief donation of $ 1.11 billion, remaining gaps still amounted to $ 38.338 billion. This means that direct economic losses to be about 94.01% is separated out through levels of risk transfer, or by the victims themselves. In addition, five provinces in the Southwest (city, district) in the affected population, most of the rural population in mountainous area, greater vulnerability to drought risk. Due to disaster, such as Yunnan province agriculture more than $ 12 billion in direct economic losses, amounting to $ 9.251 billion in Guizhou province. If two provinces affected farmers took agricultural insurance policy, at least by insurance salvage crops sowing costs, faster restore production and restore greater financial loss. Control risk trend despite China's insurance industry sustained and rapid development in recent years, growing protection coverage, service capacity of the economic and social development in the growing, still there are some obvious weaknesses in the management of insurance, insurance features not fully, fully to play, especially risk control functions failed to appear. "In General, insurance of economic compensation and financial intermediation function better, and loss prevention, and social management function of disaster prevention also needs to be strengthened. "Chen believes that from the perspective of risk management, disaster risk management and control there are three main aspects: first, risk identification and assessment, followed by on the basis of risk prevention and solution, finally, there is risk spreading, and transfer. Traditional commercial insurance tends to focus on the risks of dispersion and transfer, ignoring risk control and loss reduction; focus on compensation, neglect of disaster loss prevention or illusion "stock" risk, ignoring risks "reductions"; focused on post-disaster social "recoverability" issue, ignoring exposed to social risks and disasters "vulnerability". In fact, the rescue in disaster preparedness and post-disaster rehabilitation and reconstruction does not significantly improve the community in the face of disaster vulnerability, transfer of risk spreading, and doesn't really reduce the risk. Shift the risk of insurance before the disaster and post-disaster compensation function, while ironing economic fluctuations, continued social development chain, but are not actually reduce the loss of people's lives and property, and the overall economy. At present, community disaster reduction from "loss mitigation" to "disaster risk reduction" changes, from a single, passive, emergency crisis management model to that of comprehensive, proactive, long-term risk management model, is an important current trend. Chen said the insurance as homeopathy, thinking beyond the traditional insurance, the focus from "stock risk" to "promote risk reduction" extension, full insurance of the risk management function. Risk management as the core "integrated risk management capacity-building and social solidarity, the relationship at stake is the survival and development of the insurance industry, common prosperity, and losses for both sides. "Chen says, strengthen and improve risk management, not only can enhance comprehensive risk prevention ability of the whole society, reduce the impact of disasters on normal economic and social order, will also benefit the insurance industry to reduce compensation expense, improve economic efficiency. With the development of social progress, science and technology, customer proven, and increased competition, increasing appeared of importance of expertise in the insurance business, insurance services technology content to be measured in an important indicator of the company's competitiveness. "The insurance industryRisk management of capacity-building, from the insurance company's own view, reflected in the identification, analysis, risk assessment and management decisions. From on social of role view, both reflected for determine reasonable of risk tolerance of, and relies on advanced of science and technology help policyholders strengthening risk tube controlled, reduce initial risk, also reflected for by based on fine is of " risk pricing " and terms design, real reflect insurance subject of risk exposure degree, to market of means boot resources reasonable configuration, promote security fortification and preparation disaster disaster reduction. "Chen believes that risk management is a key function in the insurance industry, as well as core technology and competitiveness of the insurance industry is located. In this regard, the domestic insurance companies have a lot of homework to do not only, also need to be changed on the concept. "Under the new situation on disaster reduction, to innovative insurance mechanisms, improving the function of insurance, ability to enhance risk management, insurance industry has bright prospects, exercises and rightly. "Chen said.