巨灾保险问题及对策研究.docx

巨灾保险问题及对策研究【摘要】摘要：我国自然灾害高发，是世界上自然灾害最为严重的国家之一，并且分布地域十分广泛，每年给我国造成的巨大的经济损失，因此发展巨灾保险是非常紧迫的。在当前我国巨灾主要是依靠“举国体制”，“举国体制”显示了我国社会主义制度的优越性，但同时也暴露出巨灾法律法规缺失、地方财政压力大、商业保险公司缺位的一系列问题，政府该如何构建并完善巨灾保险体系迫在眉睫。本文在现阶段我国积极探索巨灾保险体系的背景下，通过文献综述法分析我国巨灾保险在“深浙滇”三地试点的情况，发现了试点中巨灾保险制度存在的问题，并结合我国发展现状提出完善巨灾保险制度的对策。【关键词】巨灾保险；商业保险公司；自然灾害；政府注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为：。Researchoncatastropheinsuranceproblemandcountermeasures[Summary]Chinahasahighincidenceofnaturaldisasters,isoneofthemostseriousnaturaldisastersintheworld,andiswidelydistributed,causinggreateconomiclossestoourcountryeveryyear,soitisveryurgenttodevelopcatastropheinsurance.Atpresent,thecatastropheinourcountrymainlydependsonthe"nationalsystem",andtherelieffundsafterthecatastrophecomefromthestate,localfinanceandsocialdonations.The"nationalsystem"showsthesuperiorityofoursocialistsystem,butatthesametimeitalsorevealsaseriesofproblems,suchasthelackofcatastrophelawsandregulations,thelocalfinancialpressureandtheabsenceofcommercialinsurancecompaniesHowthegovernmentshouldconstructandperfectthecatastropheinsurancesystemisurgent.UnderthebackgroundofactiveexplorationofcatastropheinsurancesysteminChinaatpresent,thispaperanalyzesthesituationofcatastropheinsuranceinShenzhen,ZhejiangandYunnan,andfindsouttheproblemsexistinginthecatastropheinsurancesysteminthepilotproject,andputsforwardsomecountermeasurestoperfectthecatastropheinsurancesystemincombinationwiththepresentsituationofChina'sdevelopment.[Keyword]CatastropheInsurance;Commercialinsurancecompany;Naturalcalamities；GovernmentPAGE\*MERGEFORMAT15目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc36880942"1.巨灾保险的发展必要性和定义PAGEREF_Toc36880942\h1HYPERLINK\l"_Toc36880943"2.三个试点地区的基本情况PAGEREF_Toc36880943\h2HYPERL