对于一些大中型企业 ,企业自保是一种重要的风险转移方式。但由于自保存在着应付巨灾风险能力不足、风险管理专业性弱、自保基金投资收益不理想等缺点 ,往往使企业在发生巨灾损失时 ,不能得到有效补偿。而自保与商业保险的合作则可弥补自保的不足 ,充分发挥商业保险的优势。其合作方式主要有直接保险业务合作、再保险合作、风险管理服务合作等 For some large and medium-sized enterprises, corporate self-protection is an important risk transfer method. However, due to their shortcomings such as the lack of ability to cope with catastrophe risk, the weak professional risk management and the unsatisfactory investment return of self-insurance funds, enterprises often can not be effectively compensated in the event of a catastrophic loss. The self-protection and commercial insurance cooperation can make up for the lack of self-protection, give full play to the advantages of commercial insurance. Its cooperation mainly includes direct insurance business cooperation, reinsurance cooperation and risk management service cooperation