The Construction Of The Legal System Of Catastrophe Insurance In China

Catastrophe has been a major issue facing human society. Every time the catastrophe occurred, it would give rise to a large number of casualties, causing huge losses of property, economic development and social stability of a country. Since the last century, on how to reduce the losses caused by the catastrophe, the catastrophe risk dispersion this problem, many Western countries have gradually explore through catastrophe insurance legal system to resolve, and in practice has indeed played no small role. Our country is a catastrophe-prone country, every catastrophe occurs to us is a hit. After the catastrophe occurs, the loss is usually a minority government funding for relief, most of the loss can only be borne by the victims themselves, the role of insurance in this process play small. Faced with this situation, China should try to establish catastrophe insurance legal system to reduce the impact of catastrophe for ChinaThis article mainly from the following three aspects, the first part is to define the concept of insurance and related catastrophe insurance and value analysis, mainly introduced to the concept of risk, catastrophe risk and catastrophe insurance, and then they analyze the value of the catastrophe insurance system. The second part is to build and learn from extraterritorial catastrophe insurance legal system, from the earthquake insurance system, flood insurance and agricultural insurance system these three aspects, selected mature catastrophe insurance system in Japan, the United States, and the United Kingdom as an example, from multifaceted be introduced to provide a reference for us to learn through their experiences. The third part is a framework for building our country catastrophe insurance legal system; we proposed our country catastrophe insurance legal system in run mode, the way insurance, insurance coverage and other aspects of the proposal.