2008年,我国先后发生了南方雪灾及汶川地震等造成国民经济巨大损失的自然灾害,保险赔付率却微乎其微。虽然我国保险法鼓励保险公司积极开展巨灾保险业务,但如汶川地震这样的巨灾导致保险事故的大量集中发生,必将极大挑战保险公司的赔 In 2008, natural disasters such as the snowstorm in the south and the Wenchuan earthquake, which caused huge losses in the national economy, occurred successively in our country. However, the insurance claims rate was negligible. Although China’s insurance law encourages insurance companies to actively carry out catastrophe insurance business, such catastrophes as the Wenchuan earthquake have led to a large concentration of insurance accidents, which will greatly challenge the indemnity of insurance companies