Research On Legislation Of Catastrophe Insurance In Our Country

Our country is a catastrophe prone country,since the 21 st century,various natural disasters occurred frequently,especially our country’s rapid economic development,the process of urbanization is accelerating,and the economic loss caused by catastrophe is increasing increasingly.However,recently,China is still used to use administrative means to manage catastrophe risk.The rescue and reconstruction of disaster areas after the disaster mainly rely on government finance and social donations.However,this kind of shallow compensation is just a drop in the bucket before the huge loss,and the government as the last relief,the national financial burden is very heavy.Some developed countries have long completed catastrophe insurance legislation and have been improving it.This system has played a vital role in the development of catastrophe risk diversification.As far as the present condition of our country is concerned,catastrophe insurance did not play full play.Therefore,it is urgent to establish a legal system of catastrophe insurance which conforms to our national conditions and learn to use insurance means to disperse risks.This paper uses literature analysis method and comparative analysis method,searches and reads relevant literature,and determines that catastrophe insurance legislation is the best way to solve the catastrophe threat in China.Through the analysis of the development history of catastrophe insurance,the current situation of catastrophe insurance legislation and the existing problems,the pilot of catastrophe insurance is analyzed,and the existing problems are pointed out,so as to demonstrate the objective realistic needs of constructing a complete catastrophe insurance legal system in our country.Then,it analyzes the necessity and feasibility of separate legislation on catastrophe insurance in our country,and further makes clear the urgent need for catastrophe insurance law in our country,and the conditions of current legislation are sufficient.In the process of catastrophe insurance legislation,the choice of legislative mode determines a series of important problems.Which legislative mode to adopt is the first thing that must be solved in our catastrophe insurance legislation.By studying and sorting out the legal systems of catastrophe insurance in existing countries and regions,it can be divided into special legislation,comprehensive legislation and supplementary legislation according to the legislative mode.By summarizing the parts worth learning and combining with China’s national conditions,it is concluded that China should take special legislation as the transition and comprehensive legislation as the ultimate goal.Finally,it puts forward some suggestions on improving the catastrophe risk dispersion mechanism for the concrete assumptions of the catastrophe insurance legislation in China,including the management mode,the insurance mode,and the insurance claim payment.