我国气候保险的实践探索及发展建议

Abstract:In the context of intensifying global climate change，the infrequency and intensity of climate disasters is increasing，and threatens human survival. Climate insurance plays a special role in dispersing climate risks and reducing losses. It is regarded as an innovative means to manage climate disaster risks. Firstly，this paper systematically combs the development of climate insurance in China since the founding of the country；Secondly，based on summarizing the status quo of agricultural weather insurance and catastrophe insurance，indicates the problems and difficulties in the development process of climate insurance，such as imperfect policies，few types of insurance，imperfect infrastructure and insufficient awareness. Lastly，it’s suggested that China needs to establish a climate risk sharing mechanism and a multi-level climate risk management system which should be adaptable to China conditions，strengthening the infrastructure construction of climate insurance and technological innovation，steading promoting the construction of market-oriented supporting system of climate insurance，paying attention to the reinsurance financing channels，so as to effectively control risk and to facilitate the healthy development of climate insurance in China.

收起