On Studying Of Catastrophe Insurance Legislation In China

China is one of the countries most effected by natural disasters. According to UN statistics, there were 54 serious worldwide natural disasters during the 20th century while 8 of which occurred in China. Earthquakes, floods, typhoon are the most devastating catastrophes of the country. In recent years, with the development of economy, increased population and concentrated property, economic and casualty risk management becomes a severe challenge to the whole country in the process of constructing harmonious society. Catastrophes insurance is the most important earthquake risks transfer measures. At present the Management liability of Natural disasters are mainly borne by the government. The government has made great achievements in emergency management, in providing prevention and mitigation projects, in disasters management legislation and in taking different measures to rescue affected people and provide financial aids.The main part is made of five parts. Part I is an overview of the legal system of catastrophes insurance, taking the general analysis of catastrophes insurance as a breakthrough point. The author introduces the concept of the catastrophes insurance, the nature of the catastrophes insurance, and then turns to analyze the legal system of catastrophes insurance, define the concept of the legal system of the catastrophes insurance, explain the concept of the legal system of the catastrophes insurance and analyze the theoretical basis of the legal system of the catastrophes insurance. Part II is about the historical development of Chinese catastrophes insurance and its legal system. First of all, the author summarizes the development of Chinese catastrophes insurance, aiming at showing that how Chinese catastrophes insurance developed in the process of trial. And then, the author introduces and analyzes the historical development and current situation of Chinese legal system of catastrophes insurance, understanding further that we should construct our catastrophes insurance law to make up for the current legal system of agricultural insurance. Part III is the analysis of objective necessity to construct Chinese catastrophes insurance law. The author separately analyzes the necessity and feasibility of constructing Chinese catastrophes insurance law, and concludes that the time is coming to construct Chinese catastrophes insurance law. Part IV is the analysis of the catastrophes insurance legislation abroad and its enlightenment to China. The author selects the United States of America, France, Taiwan of China and Japan as the representatives of developed countries to analyze their legislation on catastrophes insurance, and extracts a lot of inspiration to us. Part V is a tentative idea of the construction of catastrophes insurance law in China. First of all, the author advocates some legislative goals of catastrophes insurance law of China, and then analyzes legislative principles of catastrophes insurance law of China, lastly expounds the system design of agricultural insurance law of China.