Research On The Legal System Of Catastrophe Insurance In China

China is one of the countries which are severely affected by natural disasters,especially that recent occurrence of major natural disasters has caused great losses of lives and property of our residents. Especially people's wealth is increasing in our country, the catastrophe of the impact of residents in our country is increasingly serious.So far Our country does not have a complete response to catastrophe follow-up work compensation mechanism, Current is the main relief measures by the government's fiscal expenditures and some of the private donation. In front of the increasingly serious disaster government is faced with enormous financial pressure, folk donation is a one-off and more limited for the funds required for the disaster recovery is a drop in the bucket,The social from all walks of life are seeking a better way to deal with catastrophe losses. In some developed countries have long established catastrophe insurance system, through years of modification and improvement of this system in the practice of the dispersed to their country's catastrophe risk also shows incomparable superiority. But for the current situation of the insurance industry in China, the insurance industry in our country to catastrophe risk in our country play a role of minimal, Catastrophe loss ratio is far lower than the world average level, did not play the function of insurance should be spread risk. So at this stage it is necessary to establish catastrophe insurance legal system suitable to China's national conditions, let the forerunner of theory into practice. Hope that by use of catastrophe insurance this way instead of existing catastrophe loss relief mechanism in our country, better disperse catastrophe risk, reduce the financial pressure.This paper mainly divided into the following several parts:First, First of all,from the perspective of the concept of catastrophe, by comparing different catastrophe concept of catastrophe general characteristics, thus the concept of catastrophe insurance. Then aspects elaborated the feasibility and necessity of establishing catastrophe insurance in our country.The second, Compared to Japan, New Zealand, the catastrophe insurance system of France,Especially focuses on comparison of this a few countries legislation pattern, the catastrophe insurance reinsurance system and catastrophe insurance fund system. And then put forward the catastrophe insurance system of our country in these countries what are the implications of catastrophe insurance legislationThe third,This part is the focus of this article. First of all to the discussion of catastrophe insurance legal system in China, Including the attribute of catastrophe insurance in our country, legislation mode, legislation principle, the insured subject and coverage, etc Then put forward the our country reinsurance system as well as the opinions of the catastrophe insurance funds to build up.