The huge damage to economics and society is brought by extreme flood.According to the character of the extreme flood risk and the condition of China,we put forward the framework of extreme flood disaster risk management based on the cooperation among the operating government,the insurance company and the public which is led by government.The rationality and operation mechanism are discussed through the theory of econom-ics.Considering the profit of the operating government,the insurance company and the public,the harmonious threshold value is given and discussed.%极端洪水灾害的频繁发生已经给人类社会生活和经济带来了巨大的灾难。针对极端洪水灾害的发生概率小、损失巨大的特点，根据中国国情，提出政府主导下的经营性政府、保险市场和公众共同参与的极端洪水灾害风险管理框架。利用经济学理论，分析此管理框架的基本运行机制和合理性。综合考虑经营性政府的社会效益、保险公司的收益和公众购买保险的灾后恢复力三者之间的合作和协调的和谐阈值，分析并讨论和谐阈值。
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