论巨灾保险与中国巨灾保险的体系建设摘 要：巨灾保险问题是一个全球性的问题，是保险业正在拓展的一个新领域，也是保险理论研究的一个新课题，这是基于巨灾在全球的频繁发生以及由此而造成的巨大的财产损失、人员伤亡和保险公司巨额保险损失。本文首先简要阐述了我国面临的巨灾风险概况，主要有地震、洪涝灾害、台风灾害、干旱灾害等，在此基础上，系统介绍了国际上主流的巨灾风险管理模式，有政府主导模式、市场主导模式、协作模式，这些目前已经较为完善的巨灾保险体制案例，对于建设和完善我国的巨灾保险体系具有一定的借鉴作用。然后详细介绍目前巨灾保险在我国的发展现状和存在的一些问题，包括汶川大地震的损害程度和赔偿情况，保险补偿不足的问题，以及保险在这次地震中发挥的作用和我国巨灾保险体制为何一直“难产”等，根据存在的这些问题提出构建我国特色的巨灾保险制度的思路。
关键词：巨灾保险；自然灾害；汶川地震；制度
On disaster insurance and catastrophe insurance system in China
Abstract: The catastrophe insurance is not only a global problem, but also is a new field that insurance industry developed and a new topic of the insurance theory. the insurance theory .It is based on the frequent occurrence of catastrophe in the world and its result of huge property damage, personal injury and insurance companies, large insurance losses. This paper briefly described the catastrophe described the profile of our country facing the risk of catastrophe , mainly include earthquakes, floods, typhoon, drought, etc. On this basis, the paper introduces the mainstream of the international catastrophe risk management, a government-led model ,market-driven model, cooperative model, which already is fairly good cases of catastrophe insurance system. It has some reference for the building and improved our catastrophe insurance system.Then the paper introduced the current catastrophe insurance in developing situation in China and the problems existed in detail,which including the earthquake's damage and compensation cases, the problem of inadequate insurance, compensation, and insurance in the earthquake and the role of the earthquake and the Catastrophe Insurance, and the reason why catastrophe insurance system "difficult birth". According to the problems existed, the paper characteristics of these Construction of the idea of catastrophe insurance system.
Key words: Catastrophe insurance; natural disasters; earthquake; system
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