Study On Flood Insurance System In China From The Perspective Of Watershed Economics

China is a country with many rivers and lakes,China mainly has the Yangtze River,the Yellow River,the Pearl River,the Haihe River,the Huai River,Songhuajiang,Liaohe,Taihu Lake,the eight major basin,the rainy season most of the region will be hit by torrential rains,floods and the geological hazards caused by a large number of Data show that more than 90%of the deaths caused by natural disasters are water-related.China's flood control engineering mesasures are strengthened,but also need to supplement the non engineering measures,flood management is imminent,flood insurance as an important non-engineering measures,can give full play to the role of economic compensation.China's flood control engineering measures are strengthened,but also need to supplement the non engineering measures,flood management is imminent,flood insurance as an important non-engineering measures,can give full play to the role of economic compensation.In addition,through the management of flood risk,using the economic lever function of flood insurance,it is advantageous to restrict unreasonable exploitation and utilization in flood control area,to guide the public to develop rationally in flood area,to reduce the loss caused by flood disaster and to maintain economic development.In this paper,from a special hydrological unit-watershed point of view,combined with the relevant theory of watershed economy,this paper puts forward some suggestions on flood insurance system construction in China.This article in the first chapter unifies our country topography and so on the situation which our country flood disaster occurrence,summarizes the domestic and foreign scholars to the flood insurance correlation theory research,has laid the writing foundation.The second chapter introduces the basic concepts of basin,watershed economics,flood risk,flood insurance and so on,the third chapter introduced the development experience of British and American Flood Insurance,and provided reference for the development of flood insurance in our country.The fourth chapter analyzes the insurance demand of different basins and regions through the calculation of flood risk level of a river basin,and proves the utility of flood insurance again from the game angle,combined with the current analysis of flood insurance supply in China,the gap is bigger.Combined with the current supply analysis of China's flood liability products,the flood insurance gap in China is very large.The fifth chapter mainly elaborated the related technology which the flood insurance management needs,in solves the flood risk chart and the rate Determination Question Foundation,the sixth chapter comprehensively elaborated our country flood insurance how to run.Based on the basin management Organization,this paper probes into the pattern of flood insurance in our country,makes the relevant institutional arrangement to the Basin Flood fund and mechanism design,and designs the flood insurance products from different aspects of rural and urban areas,and also expounds the legal system and the risk dispersed way in the process of flood insurance management.In order to construct our country basin flood insurance to put forward own opinion.