保险作为治理的可能性和局限性,以保险流行病的治理
Qihao He1, Michael Faure2,3, Chengwei Liu1
1College of Comparative Law, China University of Political Science and Law, Beijing, China.
概括
由于定价和道德风险问题,保险公司在与流行病风险作斗争. 强制性保险和政府再保险是改善流行病风险管理和市场稳定的解决方案.
科学领域:
- 风险管理 风险管理
- 保险研究是保险研究.
- 公共卫生政策 公共卫生政策
背景情况:
- 保险因其在灾难风险管理和影响保险人的行为 ("保险作为治理") 中的作用而得到认可.
- 然而,将传统的保险机制应用于流行病带来了重大挑战.
- 流行病风险给可保险性带来了独特的困难,特别是在道德风险和风险差异化方面.
研究的目的:
- 评估流行病风险传统保险模式的局限性.
- 探索流行病风险管理和覆盖的替代解决方案.
- 确定改善流行病保险框架的监管干预措施.
主要方法:
- 关于保险和灾难风险的文献综述.
- 在流行病背景下对可保险性条件的分析.
- 探索政策干预措施,如强制性保险和政府再保险.
主要成果:
- 传统的保险工具,如基于风险的定价,很难在流行病中实施.
- 控制道德风险是流行病保险的主要挑战.
- 涉及强制性保险和政府作为最后手段的再保险商的多层次方法是潜在的解决方案.
- 对于保险公司来说,改善对所涵盖风险的信息至关重要.
结论:
- 流行病保险面临着固有的挑战,这些挑战限制了"保险作为治理"模式.
- 强制性覆盖和政府支持是解决能力和道德风险问题的必要条件.
- 监管清晰度和加强保险公司知识对于有效的流行病风险融资至关重要.
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