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本文概括分析了国外震灾保险制式的形成思路、实施准则及其局限性;指出国内大多数研究模式受传统观念的制约,只能是对国外制式的效仿和沿袭;进而介绍了一种能够有效克服一般模式弊病的新型震灾保险制式,并对其实质与科学蕴涵作了简略阐述。
This paper gives a general analysis of the formation of ideas and implementation guidelines for earthquake disaster insurance in foreign countries and their limitations. It points out that most research models in China are constrained by traditional concepts and can only imitate and follow the foreign standards. Then, Overcome the shortcomings of the general pattern of earthquake disaster insurance new standard, and its implication of substance and science briefly.