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我国四川“4·20芦山大地震”发生后,巨灾保险再次成为大家热议的话题。世界上巨灾保险法规的诞生一般在一个巨灾事件之后的二至三年。自2008年“5·12汶川大地震”至今,我国经历了七次巨灾事件,遗憾的是巨灾保险仍然在争鸣呼吁之中,着实令我们深思。巨灾保险的概念及缺失原因分析巨灾保险分为两大类,一类是政策性巨灾保险,主要是为国计民生的行业和标的,如农业和个人财产和生命,提供巨灾风险保障,本文论述的主题就是政策性巨灾保险(以下简称“巨灾保险”)。另一类则是商业性巨灾保险,主要为企事业法人单位所面临的巨灾风
After the occurrence of “4.20 Lushan Earthquake” in Sichuan, China, catastrophe insurance has once again become a hot topic for everyone. The world’s catastrophe insurance laws are generally born two to three years after a catastrophic event. Since 2008, the 5.12 Wenchuan Earthquake, our country has experienced seven catastrophic events. Unfortunately, catastrophe insurance is still in the midst of controversy and calls for deep consideration. Catastrophe Insurance Concept and Analysis of Missing Catastrophe insurance is divided into two categories, one is policy catastrophe insurance, mainly for the country’s livelihood industries and targets, such as agriculture and personal property and life, to provide catastrophe risk protection, The theme discussed in this article is policy catastrophe insurance (hereinafter referred to as catastrophe insurance). The other is commercial catastrophe insurance, mainly for enterprises and institutions facing the catastrophe