Talk About Our Country Catastrophe Insurance System Establishment

In recent years, China's various catastrophe frequent, caused a great loss. It is worth noting, catastrophe losses mainly from the government appropriated relief funds and public donations, should bear the insurance industry seminer role in small, 2008 wenchuan earthquake from insurance compensation for less than 5%. The author thinks that in China, mainly because the absence of catastrophe insurance system. At present, the construction of catastrophe insurance system is also put on the related departments in the schedule, no historical experience can reference case, our country will inevitably foreign related beneficial experience, Meanwhile, more importantly, to the nature of from catastrophe insurance and our national conditions, formulate the government-leading as the main mode of catastrophe insurance system. Based on this, the paper will be to introduce the basic theory of catastrophe insurance, in comparison with all the advantages and disadvantages of catastrophe insurance system, on the basis of the insurance market failure and with government intervention, positive and negative for the Angle from this country should adopt the necessity and feasibility of government leading, and puts forward concrete system design ideas, in order to our country the construction of catastrophe insurance system wrbanization. According to this, this paper writing thoughts by the following three aspects.The first part is the basic theory of catastrophe risk. Mainly from three aspects, it is respectively catastrophe risk of knowledge, our country catastrophe insurance system in establishing the comb, system of catastrophe insurance the necessity and feasibility analysis. First, as a catastrophe insurance, one of the basic concepts of the theory of catastrophe risk, through the connotation, classification, features to illustrate the concept, and then shows that China's catastrophe risk profiles. Next, on our country's catastrophe insurance system for the development of comb, and summarizes the catastrophe insurance industry has experienced four stages of development, respectively is its infancy, recovery period, shrinkage development period, active exploration period. Finally, to establish catastrophe insurance system of necessity and feasibility is analyzed and the establishment of the necessity of catastrophe insurance system in China, mainly including the catastrophe insurance face the reality of the situation, our country facing the catastrophe insurance market market failure in the current problems and limitations of insurance law in three aspects. Among them catastrophe insurance market ineffectiveness economics principle, mainly used for the analysis of the relation between supply and demand and externality, draw the conclusion: China catastrophe insurance market failure, need to intervene, China national catastrophe insurance can continue and healthy development. This conclusion from the negative aspects to our country should establish government role plays advocacy, and the catastrophe insurance system theory provides support.The second part is part of the comparative study. First introduce foreign catastrophe insurance system design, summed up China's beneficial experience; Then through the countries catastrophe insurance system design analysis and comparison, summed up the present more representative several catastrophe insurance system operation mode, and analyzes modes, get suitable for China's national conditions, it is concluded that the enlightenment and experience in establishing catastrophe insurance system need to rely on the government to step in and solve problems of market failure.The third part is the key part of this is to establish China's catastrophe insurance system of the preliminary design. In the introduction, analysis and comparison of government intervention in catastrophe insurance development basic theory, the government role and application mode in China after, this paper discusses the catastrophe insurance system for the establishment of the legal system. Our catastrophe insurance law system establishment involved basic idea and basic content in two major ways, as the basic content of legislation style, legislative principles and specific legal system and other three parts, a systematic completion of the our country catastrophe insurance system especially the law system of preliminary design.