On The Construction Of The Disaster Insurance System In Rural Areas

China is a country deeply suffered by natural disasters. Chinese government regards preventing natural disasters from taking any efforts. Basic we depend on national finance and civilian donations in rescuing, lacking of disaster insurance system. After 30 years of developing, China has made rapid progress in economy, China should solve the problem of peasants, rural areas and agriculture. All the above need establish and complete disaster loss compensation system, also upgrade the ability of risk management in rural areas.Chinese government take main responsibility of disaster management and put enormous financial resources into it, but the loss compensation standard is still very low in recent years. Another, both the insurance and charity have not developed well, so that non-government organizations do less in loss compensation. All the above realities make peasants bear a big part of loss compensation and cause their lives to a poor condition. So it is very important to establish and complete disaster loss compensation system.The dissertation discusses three issues: First, the situation of natural disasters and the current disaster loss compensation system in China. Second, the research of function of insurance in the disaster loss compensation system. Third, difficulties of setting up disaster insurance system in rural areas. The dissertation also proposes the basic structure and aim of disaster insurance system in rural areas by government dominance and market operating.In views of both international experiences and Chinese practices, that setting up disaster insurance system in rural areas is complex and systematic construction and also needs a long term. The dissertation has some incomplete, even self-contradiction, ideas. But we hope readers could help us and we will do it better.