建立和完善巨灾风险保障机制,有效提升国家和整个社会抵御巨灾的能力,是保证我国经济发展和社会稳定、构建社会主义和谐社会的迫切要求。我国巨灾保障机制的现状分析目前我国实行的是由公共财政支持的中央政府主导型巨灾救助模式,主要工作由民政、地震、防汛抗旱等政府部门承担,灾后安置和灾区重建基本靠政府补贴和社会捐赠。上个世纪80年代, Establishing and perfecting the guarantee mechanism of catastrophe risk and effectively enhancing the ability of the country and the entire society to resist catastrophe are urgent requirements for ensuring the economic development and social stability of our country and building a harmonious socialist society. At present, our country is implemented by the central government-led catastrophe relief mode supported by public finance. The main work is undertaken by government departments such as civil affairs, earthquakes and flood control and drought relief. The post-disaster resettlement and disaster-stricken areas are relied on government subsidies And social donations. 80s of last century,