指数保险在政府巨灾风险管理的应用为更好地解决灾后救助和灾后重建的资金支持提供了一种有效可行的方案国是遭受地震灾害最为深重的国家之一,20世纪我国发生的破坏性地震占全球的1/3,死亡人数占全球的1/2,高达60万人。我国有22个省会(首府)城市和2/3的百万以上人口大城市位于地震带。与此同时,我国台风、暴雨和洪水灾害频发、规模大,每年造成巨大的经济损失。随着人口增加、财富集中、整体国民物质生活水平提升,巨灾带来的经济损失或将超越国家财政能 The application of exponential insurance in government catastrophe risk management provides an effective and feasible solution for better solving the financial support for post-disaster relief and post-disaster reconstruction. As one of the countries that suffered the most from the earthquake disaster, the destructiveness of our country in the 20th century Earthquakes account for 1/3 of the world, the death toll accounts for 1/2 of the world, up to 600000 people. In our country, there are 22 capital cities (capitals) and 2/3 cities with a population of over 1 million in the earthquake zone. At the same time, typhoons, heavy rains and floods in our country are frequent and large-scale and cause enormous economic losses each year. As the population increases, the wealth concentrates and the material living standards of the entire nation rise, the economic losses caused by the catastrophe may surpass the national fiscal energy