在过去近半个世纪以来,由于人类生存环境越来越多地受到自然灾害的挑战,巨灾风险管理也获得了更为广泛的重视,一些国家和地区纷纷建立巨灾保险制度,试图通过建立包括政府、市场、社会的多层次巨灾风险补偿机制,来降低灾难所带来的损失。我国是世界上自然灾害最严重的少数国家之一,特别是进入20世纪90年代以来,自然灾害造成的经济损失呈明显上升趋势,已经成为影响经济发展和社会安定的重要因素。如何借鉴发达国家和地区已有的巨灾保险经验,构建适合本土国情的巨 In the past half a century, catastrophe risk management has gained more and more attention due to the fact that the environment of human existence is increasingly challenged by natural disasters. Some countries and regions have set up catastrophe insurance systems one after another, Including the multi-level catastrophe risk compensation mechanism of government, market and society, to reduce the losses caused by the disaster. China has become one of the few countries in the world with the most serious natural disasters. Since the 1990s, especially since the 1990s, the economic losses caused by natural disasters have shown a clear upward trend and have become an important factor affecting economic development and social stability. How to use the experience of catastrophe insurance in developed countries and regions for reference to build a giant