巨灾保险问题及对策研究【摘要】摘要：我国自然灾害高发，是世界上自然灾害最为严重的国家之一，并且分布地域十分广泛，每年给我国造成的巨大的经济损失，因此发展巨灾保险是非常紧迫的。在当前我国巨灾主要是依靠“举国体制”，“举国体制”显示了我国社会主义制度的优越性，但同时也暴露出巨灾法律法规缺失、地方财政压力大、商业保险公司缺位的一系列问题，政府该如何构建并完善巨灾保险体系迫在眉睫。本文在现阶段我国积极探索巨灾保险体系的背景下，通过文献综述法分析我国巨灾保险在“深浙滇”三地试点的情况，发现了试点中巨灾保险制度存在的问题，并结合我国发展现状提出完善巨灾保险制度的对策。【关键词】巨灾保险；商业保险公司；自然灾害；政府注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为： 。Research on catastrophe insurance problem and countermeasures[Summary] China has a high incidence of natural disasters, is one of the most serious natural disasters in the world, and is widely distributed, causing great economic losses to our country every year, so it is very urgent to develop catastrophe insurance. At present, the catastrophe in our country mainly depends on the "national system ", and the relief funds after the catastrophe come from the state, local finance and social donations. The "national system" shows the superiority of our socialist system, but at the same time it also reveals a series of problems, such as the lack of catastrophe laws and regulations, the local financial pressure and the absence of commercial insurance companies How the government should construct and perfect the catastrophe insurance system is urgent. Under the background of active exploration of catastrophe insurance system in China at present, this paper analyzes the situation of catastrophe insurance in Shenzhen, Zhejiang and Yunnan, and finds out the problems existing in the catastrophe insurance syste...
