风险减量视角下河北省重大突发公共事件风险治理的保险支撑路径研究

Research on the Insurance Support Path for Risk Governance of Major Public Emergencies in Hebei Province from the Perspective of Risk Reduction

摘要: 本文以风险减量为视角，探究河北省保险参与重大突发公共事件治理的支撑路径。当前河北省巨灾保险、科技保险、企财险、车险等险种已开展风险减量实践并取得成效，但仍存在巨灾保险承压、城市公共安全保险适配性不足、健康险风险减量体系缺位等问题。对此，本文提出优化巨灾保险制度、落地城市综合保险、完善健康险风险减量管理等对策，通过健全协同机制、融合保险与科技服务、创新产品设计，充分发挥保险的风险防控与保障功能，助力全省提升突发公共事件综合治理能力。

Abstract: From the perspective of risk reduction, this paper explores the support paths for insurance to participate in the governance of major public emergencies in Hebei Province. At present, risk reduction practices have been carried out and achieved results in catastrophe insurance, science and technology insurance, enterprise property insurance, motor vehicle insurance and other insurance types in Hebei. However, there still exist problems such as mounting pressure on catastrophe insurance, poor adaptability of insurance for urban public security, and the absence of a sound risk reduction system for health insurance. In response, this paper proposes countermeasures including optimizing the catastrophe insurance system, launching urban comprehensive insurance, and improving risk reduction management for health insurance. By improving coordination mechanisms, integrating insurance with technological services and innovating product design, insurance can give full play to its functions of risk prevention, control and protection, so as to enhance the comprehensive governance capacity of major public emergencies in Hebei Province.