On Catastrophe Insurance System In The Establishment And Perfection

Along with the social economy development and population density increasing, the wealth concentration degree rise, the frequency and the loss degree of the catastrophe also unceasingly rises. The early catastrophe was mainly caused by the natural disaster, today, terrorism, the satellite launch failure, the nuclear power station accident and even like the non- standard epidemic situation and so on also become the catastrophe risk source. The catastrophe risk straight strikes the soft rib of the world insurance business by its burst characteristics and the huge destructiveness.The catastrophe in our country mainly is natural disaster such as earthquake and flood. Eevery year the natural disaster and the significant accident create economic loss totalled 10 billion Yuan. In the recent ten years, the flood becomes the top-quality catastrophe of our country,the 1998 Big Flood caused more than 200 billion Renminbi losses, the loss which last year Huaihe River flood created also amounted to more than 10 billion Yuan. But in our country guarding catastrophe risk such as the flood, the earthquake , the basic insurance is almost a blank .This article discusses the establishment and the improvement of our country catastrophe insurance system, the full text is divided into five chapters:Chapter 1: general description of the catastrophe risk and the catastrophe insurance.First, the catastrophe risk meaning is: Causes the different risk unit the loss to have the relevance and causes the insurance system failure.Next, carries on the description to the catastrophe risk type and the characteristic, summarizes the catastrophe risk characteristic for following four points: 1.the frequency of the loss is to be very low; 2.the influence scope is broad; 3, the loss degree is huge; 4.The theory of probability is not suitable for the catastrophe risk.Third, with facts and data analyze catastrophe risk in the world and...