2008年我国发生了两场罕见的自然灾害,就是年初的南方低温雨雪冰冻灾害和“5·12”四川汶川特大地震。灾难造成的惨重损失,给我们留下沉痛记忆,也对加强巨灾风险管理提出新的要求。如何通过有效的制度安排来应对巨灾风险,成为我国迫切需要解决的重要课题。 In 2008, two rare natural disasters occurred in our country, namely the cold and snow disaster in the south and the May 12 Wenchuan earthquake in Sichuan Province at the beginning of this year. Disaster caused heavy losses, leaving us with painful memories, but also to strengthen catastrophe risk management put forward new requirements. How to deal with catastrophe risk through effective institutional arrangements has become an urgent issue that China urgently needs to solve.