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我国是一个自然灾害多发的国家,灾害种类多,分布地域广,造成损失严重。长期以来,当巨灾发生时,基本是靠财政和社会捐助来解决重大灾害发生后人们的生活保障问题,这不仅给各级财政带来了很大的负担,也使巨灾发生后缺乏有效的补偿机制,增加了灾后重建和恢复的困难。针对此问题,本文提出要根据我国巨灾保险市场发展的现状,借鉴国外巨灾保险成功经验,探讨建立适合我国国情的巨灾保险制度。
China is a country where natural disasters occur frequently. There are many kinds of disasters and their geographical distribution is wide, causing serious losses. For a long time, when the catastrophe occurred, it basically relied on financial and social donations to solve the problem of people’s livelihood protection after the occurrence of a major disaster. This not only poses a great financial burden at all levels, but also lacks the effective post-catastrophe catastrophe The compensation mechanism has increased the difficulty of post-disaster reconstruction and restoration. In response to this problem, this paper proposes that we should draw lessons from the successful experience of catastrophe insurance in foreign countries and discuss the establishment of a catastrophe insurance system that is suitable for China’s national conditions based on the current situation of catastrophe insurance market in China.