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保险业是专事风险管理与损失补偿的专业部门,在发达国家经济社会发展中占有非常重要的地位。我国的保险业发展滞后,存在着总量不足、结构不良、功能不全等缺陷。在中国灾害问题日益恶化的背景下,国家宜将保险业纳入综合防灾减灾体系,通过明确的保险业战略定位与大力发展保险业的政策取向,让其成为国家综合防灾减灾体系中的生力军。
The insurance industry is a specialized department specializing in risk management and compensation for losses and occupies a very important position in the economic and social development of the developed countries. The development of China’s insurance industry is lagging behind with some shortcomings such as insufficient gross amount, poor structure and incomplete functions. Against the backdrop of the deteriorating issue of disasters in China, the state should include the insurance industry in the integrated system of disaster prevention and mitigation. Through a clear strategic positioning of the insurance industry and the policy orientation of developing the insurance industry, it should become a new force in the comprehensive national disaster prevention and mitigation system .