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The author:(作者)aaapublished in(发表于) 2014/8/12 4:18:27 Yunnan earthquake insurance pilot grant did not start： every year because of earthquake loss of 3.8 billion
Yunnan earthquake loss of 3.81 billion yuan a year, the first pilot earthquake insurance has been granted
"Special report on" trial of Yunnan earthquake insurance should be started as soon as possible
The China economic weekly reporters Yao Dongqin | Reporting from Beijing
On August 3, the 6.5-magnitude earthquake struck ludian County in zhaotong city of Yunnan province. According to the Yunnan Provincial Department of Civil Affairs reports, preliminary statistics as of August 6 10:30, 1.0884 million people had been affected by the earthquake, killed 589 people, 2401 injured; 25,800 80,900 houses collapsed, 40600 129,100 severely damaged. Once again, this suggests that the establishment including the urgency of catastrophe insurance, earthquake insurance system.
Last August, the China insurance regulatory Commission approved the trial of Shenzhen, Yunnan catastrophic insurance. Among them, Shenzhen comprehensive catastrophe insurance pilot, and was formally born in June this year Yunnan pilot is earthquake insurance for rural homes. Regrettable is that at present Yunnan earthquake insurance has not yet officially launched, unable to play a role at the zhaotong seismological.
"Earthquake insurance pilot project currently has no ground, and pilot work planning, step by step, first pilot in the Chuxiong Yi Autonomous Prefecture, later extended to Yunnan province. At present, the pilots had not landed in Chuxiong. Thus, cannot be overwritten to zhaotong. "On August 6, participation in experimental work of Yunnan earthquake insurance chengtai property insurance company (hereinafter" dolphin safe "), head of the relevant Department, told the China economic weekly.
Yunnan earthquake loss of 3.81 billion yuan per year
"We regret very much. "On August 6, the insurance regulatory Bureau, Yunnan emergency leading group member told the China economic weekly said that, in the case of earthquake insurance has not yet officially landed in Yunnan, insurance can play a role in the disaster areas are mainly property insurance, personal accident insurance, student FPA, flue-cured tobacco and insurance. "Real farm house property insurance for farmers, due to their clients, which insurance does not have a strong sense of local farmers, they buy insurance does not. ”
Insurance regulatory Bureau, Yunnan information display, at 16:30 as of August 5, 61 total received the report of the insurance industry in Yunnan province, claim 16 claims total indemnity of 703,000 dollars.
Unique in Yunnan, India Ocean tectonic plate collided with the Eurasian plate and effect of Qinghai-Tibet plateau uplift, mainland China and even the world's most frequent seismic activity in Yunnan, one of the worst earthquake disaster area. Yunnan province's total land area is at a 6-degree seismic zone, high intensity earthquake area ranks first in national city, and after the earthquake apt to cause other secondary geological disasters such as landslides, collapses. Particularly the ethnic autonomous prefectures of Chuxiong, Dali, dehong are earthquake-prone areas.
Circ Web site information is displayed according to houses of historical earthquakes of Yunnan 1993-2012 loss data, as well as the seismological Bureau of Yunnan province to the current prediction of strong earthquake active quakes occur at various levels during the period of, and 2014 is expected in the province's economic level, initially judge houses due to earthquake losses in Yunnan province for average of 3.81 billion yuan.
In view of these special earthquake disaster in Yunnan province, in 2013, the first was listed as earthquake insurance pilot provinces of Yunnan province.
For the progress made in the pilot, the above insurance regulatory Bureau of Yunnan province who expressed the China economic weekly, "the provincial executive meeting, after study, has deployed policies some of the preparatory work, the financial assistance fund had been approved. Yunnan insurance regulatory Bureau do its utmost efforts to promote and facilitate this work. Participation in pilot Sino-taipio insurance, PICC property companies, we are asking them to send someone to come to our Office to jointly pursue this matter. ”
"The quake, Yunnan earthquake insurance will encourage pilot to accelerate the introduction and implementation. "The source said.
It is understood that the pilot work of Yunnan earthquake insurance is the scope of the design houses of rural residents, will explore the establishment of a Government-led, marketing operations, financial support, the non-profit earthquake insurance system. Premium will be in accordance with the principle of Government-led and farmer participation in raising. At present, the PICC, Macoto insurance and 3 reinsurance companies in China were body, is working on implementing rules and carry out specific work.
On August 17 last year, on Yunnan earthquake insurance, the CIRC Chairman Xiang junbo of the Forum pointed out that in order to "policy incentives and the company's operation, risk diversification, funds and manpower" on the principle of earthquake insurance system frame design, establish reliable, diverse and effective compensation mechanism.
Current situation of China's insurance:
Catastrophe losses, insurance payouts of less than 1%
At present, international, there are more than 10 countries and regions have established earthquake insurance system is divided into two main modes: one is in New Zealand as the representative of the Government-led model; the second is to United States California and Japan represented by the combination of Government and market models.
And in China after the earthquake, business insurance claim amount is quite limited, for earthquake relief and post-quake reconstruction funding, mainly to national financial resources, supplemented by private donors and other social forces.
A case study of earthquake, the earthquake caused a direct economic loss of 845.1 billion yuan, the Central Government allocated 41.794 billion yuan in relief funds, domestic and foreign donations of 59.4 billion yuan, while insurance payments only 1.66 billion yuan, hardly more than a direct economic loss of 0.2%.
International natural disaster insurance payments to an average of 30%~40% per cent of direct economic losses. Switzerland reinsurance companies provide a note to the China economic weekly statistics show that, at present, the lines of insurance payments to highest proportion of total economic losses in the 2011 New Zealand Christchurch earthquake. Economic losses caused by the earthquake 21.523 billion dollars, insurance payments to 17.218 billion dollars, accounted for more than 80%. Economic losses caused by the largest earthquake so far-in 2011, Japan earthquake in Fukushima, the economic losses of 225.991 billion US dollars, insurance payouts 37.665 billion dollars, accounted for more than 16.7%.
China is also a country with frequent natural disasters, established to deal with serious natural disasters such as earthquakes, floods, typhoons, landslides of catastrophe insurance, very important and very urgent.
In 2006, issued by the State Council on the reform and development of the insurance industry clearly stated that some of his opinions, to establish national financial support of catastrophe risk insurance system.
On July 10 of this year, a State Council Executive meeting of the State Council on accelerating the development of modern insurance advises on services (hereinafter "the opinion"), made clear that gradually established with financial support from commercial insurance-multi-level risk-sharing platform, for the protection of the catastrophe insurance system.
"Catastrophe insurance in the policy more clear and more explicitly than in the past. "Guo Jinlong, Director of the Research Office of the Chinese Academy of social sciences, insurance and social security told the China economic weekly, the catastrophe insurance, with no financial support, hard to wide to carry out. In addition to the "financial support", also presented the opinion based on commercial insurance, multi-level risk sharing, pattern more clearly. "Further the scope for expanding the force, and how to strengthen national mechanisms to establish and hope between Shenzhen and Yunnan pilot can gain experience. "Guo Jinlong said.
The birth of China's first catastrophe insurance system in Shenzhen, Government disaster relief insurance, personal catastrophe insurance catastrophe fund and is composed of three parts. Shenzhen Municipal Government invested 36 million Yuan a year to commercial insurance companies to buy catastrophic insurance services; catastrophe fund money allocated by the Government, and the absorption of enterprises, individuals from public donations, while actively promoting the development of commercial personal catastrophe insurance products. After the catastrophe insurance underwritten by PICC, Shenzhen, China to reinsurance, Switzerland reinsurance reinsurance company.
"Catastrophe insurance, cannot rely on an industry, or even a company to undertake, it needs to be a community-based system. "The Vice President of PICC wanghe said earlier in an interview, catastrophe insurance to speed up top-level design, particularly through national catastrophe insurance fund system of construction, form a practical platform, realize efficient pilot guidance, coordination and management, and through reinsurance, forming a rigid constraint.
Switzerland re economic research and consulting Senior Economist, Xing Li, Deputy Chief with the China economic weekly said, referring to catastrophic insurance pilot, "first established in each province varies by province of catastrophe insurance, long-term, final catastrophe pools should be established at the national level. The Chinese market is very large, itself can spread the risk. ”
At present, in the case of absence of earthquake coverage, response to earthquake disasters play a major role or a traditional-type. Such as the Xinhua insurance, ping an insurance said, to people's health and life insurance life insurance customers, compensation for death or disability will receive in the earthquake, injured and in hospital will also be agreed in the contract to obtain the corresponding claims.
On the claims, some insurance companies are also exploring innovation. Such as China life insurance has launched a major disaster claims for emergency management, including 18 service initiative, launch a fully proactive sales personnel for customers, provides multi-channel, 24-hour, off-site reporting services and so on. In addition, China life also to policemen involved in earthquake relief, medical personnel, journalists, professional rescuers donated 200,000 yuan of the sum insured per person of personal accident protection.
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