Research On The Development Of Public Liability Insurance For Natural Disasters In China

China is one of the countries most affected by natural disasters in the world.Since the founding of the People's Republic of China,the Tangshan Earthquake,the Yangtze River Flood,the Wenchuan Earthquake,and the Southern Snow Disaster have caused the Chinese people to be devastated by natural disasters.Perfect disaster prevention and mitigation management mechanism.Since the traditional natural disaster relief relies heavily on finance,the problems of low relief level and great financial pressure have emerged.The emergence of natural disaster public liability insurance has innovated our national defense disaster mitigation management model,which can greatly increase the level of relief and ease financial pressure.This article takes China's natural disaster public liability insurance(disaster liability insurance)system as the research object,using case analysis method,literature research method,comparative research method and other methods,pointing out the necessity and feasibility of developing natural disaster public liability insurance,Compiled the current situation of domestic natural disaster public liability insurance policy development,and analyzed its existing problems and causes,based on which a practical solution was put forward,laying a foundation for further promoting the development of natural disaster public liability insurance in China.The main contents of this article include case introduction,case analysis,the necessity and feasibility of disaster liability insurance,the development situation and dilemma of disaster liability insurance in China,the influencing factors of the development of disaster liability insurance in China,and six policy recommendations for the development of disaster liability insurance section.The first part is an introduction to the case,taking the damage compensation of 3.80 million yuan from the "Hui Nongbao" in the fire of 3.30 Muli County,Liangshan,Sichuan as an example to introduce disaster liability insurance.The second part of the case analysis takes this as a starting point,and gives the meaning of disaster liability insurance by distinguishing it from natural disaster insurance and government public liability insurance.In order to more fully understand disaster liability insurance,it also discusses its main characteristics and three types The main mode of development.The third part is the necessity and feasibility of disasterliability insurance.As an emerging insurance,we should pay more attention to why China needs disaster liability insurance and why it can develop.This is the key part of this article.The author of this article made a detailed argument in this part.In the fourth part of the development status and dilemma of China's disaster liability insurance,first of all,it elaborated the current achievements from the development status of disaster liability insurance,and then pointed out that the existing insurance product design needs to be improved,product innovation is insufficient,the public Weak insurance awareness,insufficient knowledge literacy,and risk agglomeration.The fifth part discusses the factors that affect the development of disaster liability insurance according to the existing problems,the legal dilemma,the influence of government decision-making,the unscientific operation and management,the insufficient publicity,and the lack of a perfect talent training mechanism.The sixth part is the policy recommendations for the development of disaster liability insurance,which proposes to speed up the construction of policies and regulations,strengthen the scientific and professional nature of products,improve the management system of natural disaster public liability insurance,strengthen the publicity of natural disaster public liability insurance Targeted solutions such as training professional and technical personnel.