中国现行的洪灾补偿、救助制度是由各级政府对受灾居民进行救济。政府限于财力 ,不可能对洪灾损失给予充分补偿 ,因此 ,为建立更有效的洪灾防范应对机制 ,应强化洪灾损失补偿机制和洪灾利益协调或合作机制 ,即洪水保险机制。经济效益显著首先 ,洪水保险的潜在需求巨大。中国国 The current system of flood compensation and relief in China is to provide relief to the affected residents by all levels of government. Therefore, in order to establish a more effective flood prevention and response mechanism, the flood insurance mechanism should be strengthened by the flood damage compensation mechanism and the coordination or cooperation mechanism of flood benefits. Significant economic benefits First of all, the potential demand for flood insurance is huge. China