about on the functional role of the government in the construction of catastrophe insurance system（对功能作用的政府在巨灾保险体系的建设）.docVIP

About On the functional role of the government in the construction of catastrophe insurance system [Abstract] China is a natural disaster-prone country, is facing a serious risk of catastrophe. Establish catastrophe insurance system can have a positive effect in promoting the harmonious development of society, improve the efficiency of the use of funds to reduce the pressure of the government’s social management insurable risk due to catastrophic risk is not the general sense, neither active underwriting commercial insurance companies in the power, nor independent security responsibilities capacity to bear the loss. catastrophe insurance system, the functions of the government must play role: the establishment of the necessary legal environment, to coordinate the construction of catastrophe insurance system, to provide the necessary financial support to carry out extensive publicity and education, the establishment of an effective incentive mechanism. [Keywords] catastrophe risk, catastrophe insurance system; role of government, and economic support. First, China is facing a serious risk of catastrophe. Catastrophe risk refers to the possible risk of causing huge economic losses and serious casualties to human society, usually strong risk of natural disasters, including earthquakes, floods, hurricanes and other destructive. Ours is one of the countries most affected by natural disasters in the world, facing serious catastrophe risk, the performance for the types of disasters, high frequency, wide geographic distribution. frequent occurrence of major natural disasters such as earthquakes, floods, hurricanes, causing huge economic losses and serious casualties to our country. According to statistics, in the 20th century, full 8 times out of 54 times, the most serious natural disasters, occur in our country. catastrophe risk the destruction of the natural environment due to human factors, not only did not decrease, but with the progress and development of h