近年来,随着我国巨灾风险发生频率和强度的不断增加,巨灾造成的经济损失和人员伤亡日益严重,建立并逐步完善我国的巨灾保险制度显得尤为迫切。然而由于各种因素的制约,我国的巨灾保险制度始终无法迅速出台。本文在对我国巨灾风险形势进行分析的基础上,针对上述制约因素,提出了自己的对策建议。 In recent years, with the increasing frequency and intensity of catastrophic risks in our country, the economic losses and casualties caused by catastrophes have become increasingly serious. It is particularly urgent to establish and gradually perfect the catastrophe insurance system in our country. However, due to the constraints of various factors, China’s catastrophe insurance system can not be quickly introduced. Based on the analysis of the catastrophe risk situation in our country, this paper puts forward some countermeasures and suggestions according to the above constraints.