随着近年来各种类型灾害的频发及其对全人类带来的损失加重,巨灾保险不应仅作为商业保险,也应具有社会保险的形式,尤其像我国这样的“巨灾之国”更该建立有关灾害的社会保险。本文通过简要介绍我国的社会保险、分析及借鉴国外的巨灾保险,对建立我国社会灾害保险制度进行了初步研究。 With the frequent occurrence of various types of disasters and their loss to all mankind in recent years, catastrophe insurance should not only be used as commercial insurance but also be in the form of social insurance. In particular, catastrophe like catastrophe The state should also establish social insurance for disasters. In this paper, a brief introduction of China’s social insurance, analysis and reference of catastrophe insurance abroad, the establishment of China’s social disaster insurance system conducted a preliminary study.