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30年前,面对唐山大地震那场历史“浩劫”的时候,中国保险业正处于发展的空白期,从而幸运地躲避了一次巨灾冲击。然而,唐山地震给国家财政体系却造成了沉重的负担。党的十一届三中全会使保险业重获新生,伴随着中国改革开放的步伐,保险业取得了令人瞩目的成就。目前,政府高度重视防震减灾工作,探索提出了“建立地震监测预报、震灾预防和紧急救援”三大防震减灾体系的思路。而且,随着我国经济的不断发展,对巨灾保险的市场需求将越来越大。不论从保险业担负的社会职能出发,还是从保险业自身的发展出发,在我国开办地震巨灾保险、建立相应风险管理机制,都是一件非常紧迫的重要工作。
Thirty years ago, in the face of the historic “catastrophe” of the Tangshan earthquake, China’s insurance industry was in a vacancy in its development and was lucky enough to evade the catastrophe. However, the Tangshan earthquake has caused a heavy burden on the national financial system. The Third Plenary Session of the Eleventh Central Committee made the insurance industry regain a new life. With the pace of China’s reform and opening up, the insurance industry has made remarkable achievements. At present, the government attaches great importance to earthquake prevention and disaster reduction work and explores and puts forward the idea of “building earthquake monitoring and forecasting, disaster prevention and emergency rescue” three earthquake prevention and disaster reduction systems. Moreover, as China’s economy continues to develop, the market demand for catastrophe insurance will be growing. Whether starting from the social functions undertaken by the insurance industry or starting from the development of the insurance industry, it is an urgent and important task to start earthquake catastrophe insurance in our country and set up the corresponding risk management mechanism.