从2008年的汶川大地震到2013年的雅安地震,从南方雪灾、西南干旱到甘肃舟曲泥石流的发生。每一次都造成了巨大的灾害。在同情灾民的同时,却没有一个很好的保险机制来保障每一次灾难的受害者。保险机制的建立,尤其是巨灾险的建立将会是一个很好的应对已经发生的灾难的设想。 From the Wenchuan Earthquake in 2008 to the Ya’an Earthquake in 2013, from the snowstorm in the south and the drought in the southwest to the debris flow in Zhouqu of Gansu Province. Every time it caused a huge disaster. While sympathizing with the victims, they do not have a good insurance mechanism to protect the victims of every disaster. The establishment of insurance mechanisms, especially catastrophe insurance, will be a good idea to cope with the disasters that have taken place.