广西巨灾保险发展研究-保险专业论文.docxVIP

CATASTROPHE CATASTROPHE I NSURANCE DEVELOPMENT I N GUANGX l PROV I NCE ABST队CT The State Council issued”Several Opinions On Accelerating The Development Of Modem Insurance Services”in 2014．The opinions make specific requirements based on ten aspects of building insurance livelihood security net，a multi—level social security system and the others to accelerate the development of modem insurance services and the establishment of catastrophic insurance system are involved in the opinion．The opinion pointed out that the establishment of catastrophic insurance system．Around to improvement on people’S livelihood，setting-up of catastrophic insurance system should based on construction in system， platform on commercial insurance and protection on multi-level risk sharing．A multi—level catastrophic risk diversification mechanism supported by finance of government will gradually formed through study on the establishment of catastrophic insurance fund and reinsurance mechanism．Opinion stressed that an agreement of the county explored effective protection on those natural calamities contmned typhoon，earthquake，landslide，debris flows， forest fires and other and formulate catastrophic insurance regulations，a nuclear catastrophic liability insurance reserve system and catastrophe risk management database． As the pilot，catastrophic insurance system successively operated in Shenzhen and Chuxiong in Yunnan province．This mechanism in China has transited from theory to practice． Looking for the suitable operation mode of catastrophic insurance is formed a common phenomenon in different regions of China As one of severe serious natural disaster regions，Guangxi province has influenced by these disasters not only in various types，high frequency and broad geographical distribution． Since 2 1 century，the loss cause by natural disasters every year can reach 1 0 billion RMB and will aggravate on the trend．In the face of such a huge disaster，rely on traditional compensation mechanism