随着全球气候的变化,灾害的频率增加,灾害损失幅度也明显上升,于是巨灾问题成为全球所共同面临的问题。而我国是受灾尤为严重的国家之一,因此发展巨灾保险成为对灾害损失进行补偿的一个重要途径。本文则主要通过博弈论的分析方法,以农业保险为例来说明其出现问题的原因。并对巨灾保险的发展进行了设想。 With the global climate change, the frequency of disasters increases and the magnitude of disastrous losses also increases significantly. As a result, the catastrophe problem has become a common problem facing the world. However, our country is one of the most affected countries. Therefore, the development of catastrophe insurance has become an important way to compensate for disaster losses. This article mainly through the game theory analysis method, takes the agricultural insurance as an example to illustrate its causes of the problems. And envisaged the development of catastrophe insurance.