巨灾风险容易造成大面积、大范围、大量风险暴露单位的同时受损,给人民生命和财产造成巨大损失,但保险赔付微乎其微。究其主要原因,是为关乎国计民生行业和标的提供风险保障的巨灾保险存在严重的市场失灵。 Catastrophe risk easily lead to large-scale, large-scale exposure of a large number of risk-exposed units damaged at the same time, causing huge losses to people’s lives and property, but insurance claims are minimal. The main reason for this is that there is a serious market failure in catastrophe insurance that provides risk protection in relation to the national economy and people’s livelihood industry and the subject matter.