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建立政府主导、市场运作、多方参与的巨灾保险制度是充分发挥保险的功能和作用、完善巨灾风险管理体系的有效途径我国是一个自然灾害频发的国家,特别是近年来巨灾发生的强度和频率不断提高,给人民群众生命财产安全造成了极大威胁。例如,2008年“5·12”汶川特大地震造成8万多人死亡,直接经济损失8400多亿元。能否及时妥善地处理各种突发灾情,关系到国家财政的稳健运行和经济社会的健康和谐发展。
The establishment of a government-led, market operation and multi-participatory catastrophe insurance system is an effective way to give full play to the function and role of insurance and to improve the catastrophe risk management system. China is a country frequented by natural disasters, especially catastrophes in recent years The strength and frequency are constantly increasing, posing a great threat to people’s lives and property. For example, the 2008 Wenchuan Earthquake hit a death toll of more than 80,000 with a direct economic loss of more than 840 billion yuan. The timely and proper handling of various unexpected disasters can affect the steady operation of state finance and the healthy and harmonious development of economy and society.