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Study on the construction of catastrophe insurance system in China

机译：中国巨灾保险体系建设研究

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The total loss amount and the insurance compensation amount of catastrophe risk events have showed a rising trend around the world in nearly 30 years.China's catastrophe risks have also brought huge losses to national economy,but the insurance compensation mechanism has played the limited role.China has not constructed catastrophe insurance system.China's collective loss-sharing mechanism is restricted to finance income amount in one hand,and it cannot effectively compensate the affected groups,on the other hand it also exists the higher opportunity costs.It hungers for structuring the catastrophe insurance system led by the government and depending on the market.
机译：巨灾风险事件的总损失额和保险赔偿额在近30年中呈上升趋势。中国的巨灾风险也给国民经济带来巨大损失，但保险赔偿机制的作用有限。中国还没有建立巨灾保险体系。中国的集体分担机制一方面局限于财政收入额，不能有效补偿受影响群体，另一方面也存在较高的机会成本。由政府主导并取决于市场的保险制度。

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