新闻背景:截止到2月12日,我国南方地区从1月10日以来的低温雨雪冰冻灾害损失是:因灾死亡107人,农作物受灾面积1.77亿公顷,倒塌房屋35.4万间,直接经济损失1111亿元。中国保险业可谓如临开年大考。据不完全统计,截至2月10日,各保险公司共接到报案80.34万件,预计 News Background: As of February 12, the loss of freezing rain and snow damage in southern China since January 10 was 107 deaths due to disasters, 177 million hectares of crops affected, collapsed houses of 354,000 and direct economic losses 111.1 billion yuan. China’s insurance industry can be described as approaching the annual exam. According to incomplete statistics, as of February 10, the insurance companies received a total of 803,400 reports, is expected