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近几年,我国重大自然灾害频发,如2008年南方雪灾、汶川地震给我国造成巨大的人员伤亡和财产损失;2009年秋季到现在,西南五省的旱灾、西北的雪灾、洪水也都造成了不同程度的损失。面临灾害频发、损失的巨大,单靠政府财政拨款和民间捐款等传统救济方式已无法满足现实需要,如何运用保险抵御可能发生的各种风险,尤其是建立巨灾保险制度,已成当务之急。探索和制定适合我国国情的巨灾保险制度已为现实所必需。
In recent years, frequent major natural disasters in our country, such as the snowstorm in the south in 2008 and the Wenchuan earthquake in 2008, have caused enormous casualties and property losses to our country. From autumn 2009 to the present, drought in the five southwestern provinces, snowstorms in the northwest and floods have also caused Different degrees of loss. In the face of frequent disasters and huge losses, traditional remedies such as government financial allocations and non-governmental donations alone can not meet the actual needs. How to use insurance to guard against various risks that may occur, especially the establishment of a catastrophe insurance system, has become a top priority. To explore and formulate a catastrophe insurance system that suits our national conditions has become necessary for our reality.