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巨灾风险发生后补偿方式的研究非常重要且意义重大,对灾区的重建影响深远。本文针对目前国内外最主要的两种补偿方式——财政补偿和保险补偿,从补偿的程度、补偿的速度、补偿的效果及对国民经济后续发展的影响四方面进行比较,得出结论:我国应大力发展巨灾保险,努力提高自然灾害损失的保险补偿率,以减轻政府的财政负担,保证国民经济的正常发展。
The research on the compensation methods after the catastrophic catastrophe risk is very important and of great significance, and has a far-reaching impact on the reconstruction of the disaster areas. In this paper, at present, the two main compensation methods at home and abroad, financial compensation and insurance compensation, are compared from four aspects: the degree of compensation, the speed of compensation, the effect of compensation and the impact on the subsequent development of the national economy. It is concluded that: We should vigorously develop catastrophe insurance and work hard to increase the insurance compensation rate for losses caused by natural disasters so as to reduce the government’s financial burden and ensure the normal development of the national economy.