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作为巨灾风险高发国家,我国面临着严峻的巨灾风险挑战。目前,我国巨灾保险制度还不完善,保险业在巨灾救助体系中的作用还不突出,巨灾保险供需之间的矛盾十分明显,社会对于巨灾风险的投保意识十分欠缺。应对巨灾风险,应根据国情,并认真参考国外成熟经验,建立起以政府推动与政府支持为主导、以市场化运作为基本手段、多方参与应对分散风险、巨灾保障面广泛的运行稳健的巨灾保险制度体系。
As a country with high catastrophe risk, our country is facing a serious catastrophe risk challenge. At present, the catastrophe insurance system in our country is still not perfect, and the role of the insurance industry in catastrophe rescue system is not outstanding. The contradiction between the supply and demand of catastrophe insurance is very obvious. The society has very little awareness of catastrophe insurance. In response to the catastrophe risk, it should be based on national conditions and conscientiously refer to the mature experience of foreign countries to establish a government-led and government-led operation to market-oriented operation as a basic means of multi-party participation in response to decentralized risks, catastrophic wide range of safe operation Catastrophe insurance system.