本文通过对地震烈度和地震震级的对比分析,打破了震级作为地震主要指标的理念,阐述了将烈度作为地震保险费率参照指标的观点,并提出了在中国地震烈度区划图的基础上,结合地震保险的特点,根据单一灾害事件的最大可能损失、潜在受灾体的建筑结构、居民防震减灾的意识和收入水平四个方面进行相应的调整,构造属于保险行业的地震保险费率区划图。 Based on the comparison of earthquake intensity and earthquake magnitude, this dissertation breaks the idea that magnitude is the main index of earthquake, elaborates the view that the intensity is the reference index of earthquake premium rate, and puts forward that based on the map of seismic intensity in China, The characteristics of earthquake insurance are adjusted according to the maximum possible loss of a single disaster event, the building structure of a potential disaster-hit body, the awareness and income level of the residents in earthquake disaster prevention and mitigation, and the earthquake insurance rate zoning map belonging to the insurance industry is constructed.