The Legislation Of China’s Catastrophe Insurance Law Research

China is the country with the most types of natural disasters in the world, also one of the frequent natural disasters in the world. Especially in the first decade of the21st century, the south snow and freeze disaster, wen chuan earthquake disaster occurs, to the people’s life and property safety brought serious harm and caused great personal and property losses. To this, just rely on state aid and social donation is not enough. Most residents’ income in China are used to pay for food and clothing live line, the rest is few, there are a lot of people don’t have insurance. In the event of catastrophe, self-help ability is very weak, people after the disaster is hard to through their own efforts to be reinstated. For government aid, since the founding, our country because of loss caused by catastrophe occurs mostly by the government for relief, catastrophe risk mainly by the government to pay. Due to the randomness of the catastrophe risk happen, however, that may make it harder for the government to temporarily raise enough capital, also increased the government financial burden. Social donation is a routine method in our country cope with the catastrophe risk taking, but its contribution. Floods in1998, the Chinese government organizations across the country launched a large-scale campaign, emergency raised as high as13billion yuan donated money and goods, including accepting cash for the6billion, greatly alleviate the disaster area. But compared to250billion losses caused by is not enough.Catastrophe insurance, By contrast, can spread risk more efficiently, in terms of economic and social stability can play an important role. Law as a kind of specification, because of its predictability, stability, consistency, and the rights and obligations of coercive power, can make the catastrophe insurance system in the process of running to get effective support and maintenance. If in the form of law to determine the contents of the catastrophe insurance operation mode, operation, and then the implementation of the catastrophe insurance system will have the support of state coercive power, more authoritative, and at the same time as the main body in the catastrophe insurance parties provides a clear guide. On the contrary, if catastrophe insurance lack of legal guidance, the catastrophe insurance implementation process there will be more unpredictability, its implementation will inevitably effect to sell at a discount greatly. In view of this, the study in this paper, the catastrophe insurance law legislation.