“在我国巨灾保险方案设计中,从风险融资角度看,政府似乎是在扮演着再保险人的角色。但是,如果能适当借鉴美国恐怖主义风险保险项目设计思路,从‘再保险人’的角色,转化为‘银行’的角色,最终合理降低赈灾过程中社会对政府的依赖度,化解政府巨灾财政风险,持续培育商业保险市场的承保能力。”洪水、地震、飓风、台风等自然灾害,以其影响范围广、损失巨大且难以预测、逆选择倾向较强等特征,成为商业保险市场上的烫手山芋。在费率监管体系下,商业 “In the design of catastrophe insurance scheme in our country, the government appears to be playing the role of reinsurer from the perspective of risk financing.However, if we can draw lessons from the design of terrorism terrorism insurance scheme in the United States, from the role of ’reinsurers’ , And finally transformed into the role of ”bank.“ In the end, the society’s dependence on the government during the disaster relief process was reasonably reduced, the fiscal risk of the government catastrophe was reduced, and the underwriting capacity of the commercial insurance market continued to be built. ”Natural disasters such as floods, earthquakes, hurricanes and typhoons , With its wide range of influence, huge loss and unpredictability, strong adverse selection and other characteristics, become the hot potato in the commercial insurance market. Under the rate regulation system, commerce