中国巨灾保险制度的框架设计及路径选择

近年来，巨灾频繁发生而且造成的损失巨大，如何通过建立完善的巨灾保险制度来防范巨灾风险，是我国保险业面临的重要课题。文章通过分析中国巨灾的损失及目前风险管理方法的局限性，借鉴发达国家和发展中国家、地区的经验，提出中国发展巨灾保险制度的框架和路径选择，具体包括立法问题，政府和市场在巨灾保险制度中的定位问题，巨灾保险的性质问题，保单的设计问题以及巨灾保险的管理和投资等问题。

Framework and Route Selection of China Catastrophe Insurance

After analyzing the cost of catastrophic risk and the limitation of the present risk management methods in China,the catastrophe insurance frame and the concrete method which includes the law,the position of government and market,the characteristic of catastrophe insurance,the policy design and the management and investment are projected by learning from the experience in developing countries and developed countries.