2015年第5 期 财产风险保障不足： 弥补缺口
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Underinsurance of property risks1 is a global challenge. Much of the protection gap is due to uninsured global natural catastrophe risk, which has been rising steadily over the past 40 years. Swiss Re’s sigma data show that total economic losses from natural disasters have averaged around USD 180 billion annually in the last decade, with 70% (USD 127 billion, or USD 1.3 trillion in total over the 10 years) of that uninsured. Earthquakes, floods and windstorms are the main perils, particularly in areas of high population and property value concentrations.