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自日本“3?11”特大地震敲响了世人的警钟,各国政府开始重新审视巨灾保险。本文通过数据对比反映国内巨灾保险与国外水平间的差距,反思我国巨灾保险空白的原因。在借鉴国外建设巨灾保险经验的同时,笔者结合我国实际情况,提出构建巨灾保险制度的五项建议。只有在充分发挥保险机构作用的同时提高民众的风险意识和保险认识,才能推动我国巨灾保险制度的建设。
Since Japan’s “3? 11” earthquake struck the wake of the world’s people, governments began to reexamine catastrophe insurance. This paper reflects the gap between domestic catastrophe insurance and foreign countries through data contrast, and reflects on the reasons of China’s catastrophe insurance blanket. While referring to the experience of building catastrophe insurance in foreign countries, the author puts forward five suggestions for building catastrophe insurance system in light of the actual situation in our country. Only by giving full play to the role of insurance institutions and raising people’s risk awareness and insurance awareness can we promote the construction of China’s catastrophe insurance system.