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引言与概念从保险角度讲,自然灾害风险可分为一般风险和巨灾风险。巨灾风险指因自然规律作用和变异引起的,造成大范围、大面积、大量风险单位都受损的重大经济损失和人员伤亡,受灾地区往往自身无法解决,需要跨地区乃至国际援助的未来不利情景。除些之外为自然灾害一般风险。自然灾害一般风险完全符合可保性风险“经典定义”及其特征,应该由商业保险解决。巨灾风险与可保
Introduction and Concepts From the perspective of insurance, natural disaster risk can be divided into general risk and catastrophe risk. Catastrophe risk refers to the major economic losses and casualties caused by the natural laws and causes of variability, causing large-scale, large-scale loss of a large number of risk units and casualties. The affected areas are often unable to solve their own problems. The future needs of trans-regional and even international assistance are adversely affected scene. Apart from the general risk for natural disasters. The general risk of a natural disaster is fully in line with insurable risk “classic definition” and its characteristics and should be resolved by commercial insurance. Catastrophe risk and can be guaranteed