"Insurance-based Global Governance"

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YAML 想法

The idea is to establish a global insurance and reinsurance body against global catastrophic risks, at the level of countries.

The submission proposes a global insurance and reinsurance model. A new institution receives premiums paid by member countries, in order to insure them against the effects of global catastrophic risks. The institution provides expert advice to the member countries, and financial backing for investments in cooperative projects to achieve risk reduction. Concentrating on a financial task would keep the institution flexible and independent. Decisions would be based on the principles of “effective altruism”, with decision constantly monitored by AI, Big Data and statistical analysis to improve the institution’s priorities and performance. The submission suggests a pilot project being instituted by a smaller number of countries, in order for a first evaluation and improvement round.

by Len Fisher at globalchallenges.org



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雖然從總體上講是合理的,但這是假設損失爲淨正數,並且我們不知道誰將受到全球災難性風險的影響。

如果它們是淨負值(例如,幾乎每個人都輸了),或者預先知道,例如,由於海平面上升和全球變暖,海邊的位置將遭受最大的損失,我想,這將使一種難以實施的保險計劃。

While makes total sense, this assumes that the losses are net positive, and that we don't know who is going to be affected by the global catastrophic risks.

If they are net negative (e.g., practically everyone loses), or it is known in advance, that e.g., the locations near the sea are going to suffer most due to the rising sea level and global warming, I think, this would make this kind of insurance scheme harder to implement.


我認爲,鼓勵人們在手機上運行保險應用程序也是個好主意。因此人們幫助確保他們對氣候變化等的貢獻。

可以培養人們使用應用程序進行自我保險,p2p保險或通過公司保險的時代。

I think encouraging people to run an Insurance app on their phones would be a good idea too. So people help insure against their contribution to climate change etc.

Could foster an age where people use an app to self-insure, p2p insure or insure through companies.


使我想起”支付寶“有個應用叫做”螞蟻森林“,用遊戲化的活動鼓勵人們低碳生活,遊戲得分可以用來種樹,我因爲覺得遊戲要求人每天要去登錄太浪費時間沒有參與,但是我周圍很多人會參與這些遊戲。有沒有這種應用——有麼多人蔘與的活動,又不浪費時間,簡單直接地表示,比如用走路代替乘車、用公共交通代替私人汽車就可以直觀地顯示減少碳排放?


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