通过对法国和新西兰巨灾保险制度介绍可以看出,法国和新西兰巨灾保险制度最主要的特点可以总结为:国家以法律的形式建立适宜本国的多渠道的巨灾风险分散体系。简单地说,就是国家通过法律手段将巨灾风险尽可能地分散,核心是分散机制的建立。因此,对我国来说,可探索将洪水、地震和台风等我国面临的主要巨灾风险纳入普通居民和企业财产保险单的承保范围。 By introducing the catastrophe insurance system in France and New Zealand, we can see that the most important features of the catastrophe insurance system in France and New Zealand can be summed up as follows: The state has established a multi-channel catastrophe risk decentralized system suitable for its own country in the form of law. Simply put, that is, the country through legal means to disperse the catastrophe risk as much as possible, the core is the establishment of decentralized mechanism. Therefore, for our country, it is possible to explore the inclusion of major catastrophe risks facing China, such as floods, earthquakes and typhoons, into the coverage of ordinary residents and property insurance policies.