On The Construction Of Catastrophe Insurance System

In recent years, China's major natural disasters, especially in 2008, followed by the catastrophe hitting the people's lives and property, caused heavy losses, adding to the country's financial burden, so that macro-control is in a passive situation. At this time to speed up building a catastrophe insurance system in China's footsteps for a positive and effective response to large disasters, disaster achieve rapid restoration of production and rebuild their homes, as well as China's national economy healthy, steady development have a positive impact.In this paper, the objective conditions of our country and the current situation analysis, by drawing on the United States, France, Japan, New Zealand and other countries experience, sorting out a suitable condition of our country the idea of catastrophe insurance system, namely, legislation to adopt a combination of mandatory and voluntary insured way to set up catastrophe funds to protect the implementation by the Government, insurance companies and reinsurance companies were multi-risk, with the Government to provide policy support through active risk securitization to spread the risks.Speed up building a catastrophe insurance system in China lies not only in the significance of post-disaster compensation, stability, social, humanistic concern reflected also in the pre-disaster risk management. It is not only the important measure for the Government to improve the social security system, but also an integral part of the pattern for all people to participate in the society. However, in the process of constructing also addressing issues such as who should pay attention to monitoring the implementation of different parts of the same premium whether the standards, how to ensure that catastrophe insurance coverage and other issues involving the reasonableness of insurance contracts, insurance, the popularity and the level of protection, the role of government as well as self-development of the insurance industry issues. Only by effectively addressing the above problems, China's catastrophe insurance system can be truly high-performance sound.