2001年以来,飓风、洪水和恐怖袭击等巨灾风险给许多国家带来了重大的财产损失和人员伤亡,致使世界各国,特别是发达国家对巨灾保险制度建设特别重视,不断健全完善自身巨灾保险制度,形成了比较成熟的组织模式和运营经验,从而增强了应对巨灾风险的能力。我国是世界上自然灾害最严重的少数国家之一,巨灾保险制度尚未建立,巨灾风险给我国的经 Catastrophe risks such as hurricanes, floods and terrorist attacks have caused major property losses and casualties in many countries since 2001, causing all countries in the world, especially the developed countries, to pay special attention to the construction of a catastrophe insurance system and constantly improve and perfect their own huge Disaster insurance system, formed a relatively mature organizational model and operational experience, thereby enhancing the ability to deal with catastrophe risk. China is one of the few countries in the world with the most serious natural disasters. Catastrophe insurance system has not yet been established. The catastrophe risk to our country