我国是世界上自然灾害发生频繁,灾害损失严重的少数国家之一,每年自然灾害都给国民经济和人民生活造成巨大的损失。特别是2008年南方冰雪灾害和汶川地震,更是暴露出我国巨灾保障体系的缺失,建立完善的巨灾保障体制势在必行。而建立区域性强制巨灾保险体制是适合中国国情的选择。 China is one of the few countries in the world where natural disasters occur frequently and the disastrous losses are serious. Every year, natural disasters have caused tremendous losses to the national economy and people’s livelihood. Especially the 2008 Southern Snow Disaster and the Wenchuan Earthquake have exposed the lack of the catastrophe guarantee system in our country and it is imperative to establish a sound catastrophe guarantee system. The establishment of a regional system of compulsory catastrophe insurance is an appropriate choice for China’s national conditions.