巨灾风险的可保性不强为政府介入巨灾风险管理提供了理论基础。正是由于巨灾风险并不是严格的具有可保性,仅仅依靠保险市场,并不能有效的管理巨灾风险。从各个国家的经验看出,政府的介入有利于巨灾风险的控制。本文通过从美国、日本和新西兰的经验分析政府介入巨灾保险市场的必 The insurable insurability of catastrophe risk provides a theoretical basis for the government to intervene in catastrophe risk management. It is precisely because catastrophic risk is not strictly guaranteed, relying solely on the insurance market, and can not effectively manage catastrophe risk. From the experience of various countries, it can be seen that the intervention of the government is conducive to the control of catastrophic risks. Based on the experience of the United States, Japan and New Zealand, this article analyzes the government’s involvement in the catastrophe insurance market