在实际运转过程中,我国巨灾风险管理体系最为突出的问题就是行政主导作用过于明显,而市场调节作用发挥相对缺失。总体而言,我国目前的巨灾风险管理体系的特点是反应快、效率高、投入大,具有鲜明的“举国体制”的特征。在实际运转过程中,这样的体系却也存在着诸多弊端。最为突出的问题就是行政主导作用过于明显,而市场调节作用发挥相对缺失。行政主导的后果是,一方面,由于损失巨大,一旦发生巨灾,政府财政资金将面临较大压力;另一 In actual operation, the most prominent problem of China’s catastrophe risk management system is that the leading role of the government is too obvious, and the role of market regulation is relative lacking. In general, the current catastrophe risk management system in our country is characterized by rapid response, high efficiency, large investment, and distinctive “nationwide system.” In actual operation, there are many drawbacks to such a system. The most prominent issue is that the leading role of the administration is too obvious, and the market regulation plays a relative absence. The consequence of the administration is that, on the one hand, due to huge losses, government funds will face greater pressure in the event of a catastrophe. Another