论我国巨灾保险体系的建立

我国是一个自然灾害频发的国家。长期以来，我国对灾害损失的补偿基本上依靠国家财政拨付和民间捐助，没有一个科学有效的国家巨灾风险管理机制，这使受灾者得不到充分的补偿，同时国家也面临者巨大的财政负担。2008年南方雪灾和5.12汶川大地震造成的巨大损失，让我们重新审视巨灾保险体系在灾害救济中的重要性。我国应借鉴国外保险业发展的成功经验，根据国情建立一套科学合理的多层次的巨灾保险体系。政府应转换职能，由灾后承担主要损失转变为支持完善巨灾保险体系。

On Establishing Catastrophe Insurance System in China

China is one of a few of countries facing the most serious natural disasters. Currently, the disaster relief depends mainly on the national public finance and social donations. But the temporary provision of capital in the aftermath of a catastrophe loss may not be sufficient, but increases the fiscal burden. The tragic consequences of the snow disaster in south China early this year and the Wenchuan earthquake of May 12, 2008 have given renewed importance to the appropriate role of the catastrophe insurance system in disaster relief. Learning from the foreign experiences and according to our national conditions, China should establish an integrated, reasonable, multi-level catastrophe insurance system as soon as possible, and the government should transform its functions - supporting, not replacing the catastrophe insurance system.