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为了进一步了解我国巨灾保险发展过程,明确自然灾害保险政策内容,本刊通过梳理巨灾保险发展历程,分析存在问题,探讨如何推动巨灾保险制度建设。我国是世界上自然灾害最严重的国家之一,尤其是地震、洪涝、干旱等自然灾害频发多发。近些年,因灾损失呈明显上升趋势,但我国还没有制定巨灾保险法律,灾害保险的覆盖面低、保障水平不足等问题仍然明显。因此,加强巨
In order to further understand the development process of catastrophe insurance in China and clarify the contents of natural disaster insurance policy, this paper analyzes the development of catastrophe insurance and analyzes the existing problems to explore how to promote the establishment of catastrophe insurance system. China is one of the countries with the most serious natural disasters in the world. In particular, natural disasters such as earthquakes, floods and droughts are frequent. In recent years, the loss caused by the disaster has shown a clear upward trend. However, there is still no catastrophe insurance law in our country. The coverage of disaster insurance is low and the level of protection is still low. Therefore, to strengthen the giant