Analysis Of Catastrophe Insurance Running Mode In China

In recent years,typhoons and earthquakes are frequent in our country,pose a great threat to the people,and seriously affect the process of China's economic development.However,the current overall level of development of China's financial industry and the insurance industry is not high,the concept of insurance and insurance related system is not high in the degree of development of our country,lack of the sharing degree of social risk and,for this type of catastrophe risk,solvency harm a large amount of insurance types,insurance companies exist the limitations of the ability to bear.Combined with the phase of status of natural geographical conditions and social development of our country,this paper intends to apply the catastrophe insurance as the research object,according to the theory are summarized,and the corresponding mathematical model,through a combination of quantitative and qualitative methods of research to realize the full range of specific operation mechanism of catastrophe insurance.And focus on outstanding pricing and the expected return,as to explore the full range of theoretical dilemma and trend of catastrophe insurance pricing.Try to study at the same time to the insurance company for the catastrophe insurance mechanism and the expected return pricing accounting,also emphasizes the innovation of financial instruments of insurance securitization,and the reinsurance mechanism for confirmation.