Comparison Of Catastrophe Insurance Legal System And Building Design In China

Since the90s, the catastrophe insurance began to play the role of more and moreimportant in major catastrophic events, this point is especially obvious in thedeveloped world. Meanwhile, the developing countries generally has not beenestablished complete sound catastrophe insurance system, when catastrophe eventsoccur, more than92%part of economic losses needed shall be borne by the affectedparty, common share of government aid and insurance compensation is only less than8%.Early in2008’s heavy snow storm happen in the south of China, causing a directeconomic loss of151.65billion yuan, the total amount of insurance claims is only3.519billion yuan; That same year, the "512" earthquake caused a direct economicloss of845.1billion yuan in China, the insurance compensate pays rate is only2.9%.These data are showed that in our country, to establish a set of complete and improvethe catastrophe insurance system is especially important.In view of this, this article attempts from the point of law, through compared theadvanced catastrophe insurance system in the international society in detail, and putforward the preliminary ideas of catastrophe insurance system in China. Around thecenter, the full text is divided into three parts:The first part is the basic concept and theory of catastrophe insurance; Thesecond part is to introduce foreign catastrophe insurance legal systems, and to compare them; The third part is to construct the catastrophe insurance legal system inour country. Hope for all of these can make certain help of establishing of catastropheinsurance system in China.