Research On Earthquake Insurance Law In China

As an important measure to disperse and transfer earthquake losses internationally,earthquake insurance is widely used.The fundamental purpose is to use the means of insurance to play the role of social security,complete the rescue and compensation of residents in the disaster-stricken areas,and reduce the pressure on the government.In recent years,China is trying to gradually establish a catastrophe insurance system,revise some existing regulations,and introduce local regulations and management methods to manage and standardize regional pilot work.Among them,after the pilot projects in Shenzhen,Yunnan and Sichuan,with the implementation of national earthquake insurance for urban and rural residents,earthquake insurance has become the entry point of the catastrophe insurance system implemented in China.However,due to the lack of legislation,the relevant supporting systems are not yet perfect,and China’s earthquake insurance pilot has a limited role,and there are problems such as low legal level,limited scope of application,unclear specific operating specifications,single risk diversification methods,and inability to effectively disperse.Therefore,by learning from the useful experience of major countries and regions outside the region,conducting targeted in-depth research on the above issues,and clarifying and improving measures will help improve China’s earthquake insurance related laws,realize its social assistance function,and promote the long-term and stable development of earthquake insurance in China.Based on the above background and problems,this paper starts from the basic theory,focuses on the legislative model,insurance fund and legal norms of risk diversification,and analyzes the current legal problems of earthquake insurance in China and its improvement measures.Firstly,the concept and characteristics of earthquake insurance are clarified,the development process of earthquake insurance is reviewed,and its legislative theory and content are analyzed to clarify the research ideas of Chapter II.Secondly,based on the current status quo and practice of earthquake insurance laws and regulations in China,the problems existing in the current legislation of earthquake insurance are summarized: including imperfect laws and regulations,lack of top-level design and imperfect management of insurance funds,and single risk diversification means.Then,drawing on the relevant experience of major earthquake insurance outside the region,the main differences and their enlightenment to China are analyzed to improve China’s earthquake insurance related legislation.Finally,in view of the many problems existing in earthquake insurance at present,through the analysis and reference of extraterritorial experience,the ideas for improving relevant laws in China are put forward.It is hoped that through the above research,we can make a small contribution to the improvement of China’s earthquake insurance law.