---
title: "应对气候变化风险，巨灾保险织密防灾减灾 “安全网”"
description: "巨灾保险作为应对自然灾害风险的重要工具，与 ESG 中的环境议题紧密相连，扮演着应对气候变化的重要角色。目前，我国在 20 多个省份实施了综合性巨灾保险试点，进一步加强了防灾减灾的安全网。然而，巨灾保险仍面临保障缺口和覆盖范围有限的问题。未来需扩大覆盖面，加强科技赋能，完善风险分散渠道。"
type: "news"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/260801020.md"
published_at: "2025-10-12T22:56:01.000Z"
---

# 应对气候变化风险，巨灾保险织密防灾减灾 “安全网”

> 巨灾保险作为应对自然灾害风险的重要工具，与 ESG 中的环境议题紧密相连，扮演着应对气候变化的重要角色。目前，我国在 20 多个省份实施了综合性巨灾保险试点，进一步加强了防灾减灾的安全网。然而，巨灾保险仍面临保障缺口和覆盖范围有限的问题。未来需扩大覆盖面，加强科技赋能，完善风险分散渠道。

巨灾保险作为应对自然灾害风险的重要工具，不仅发挥着保险保障作用，更与 ESG 中的环境议题紧密相连，在应对气候变化中扮演着重要角色。目前，我国已在 20 多个省份落地综合性巨灾保险试点，防灾减灾 “安全网” 进一步织密织牢。业内人士表示，从现状来看，我国巨灾保险依然面临保障缺口较大、覆盖范围有限等难题。为推动巨灾保险发展，未来需进一步扩大巨灾保险覆盖面，加强科技赋能，完善风险分散渠道。（中证报）

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