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1、Oncatastropheinsurancesystem-referenceandinspiration[Abstract]Basedontheforeignestablishmentcatastropheinsurancesystemanalysis,catastropheinsuranceinChina’sestablishmentofthelegalsystem,theestablishmentofcatastropheriskfund,setupbetweenthegovernmentandcommercialinsurancecompaniesareasonableshar
2、ingmechanisms,theestablishmentofcatastropheinsurance,reinsurancesystem,andpromotecatastrophebondsandotherrelatedproposalstoenhanceChina’scapacityofresponsetocatastrophiclosses.[Keywords]catastrophe,insurance,risk,inspirationAccordingtotheinternationalriskratingagenciespredict,March11,2011earthq
3、uakeinJapancouldleadtoupto2.8trillionyen(about$35billionininsuredlosses,almostequaltotheyear2010,theglobalinsuranceindustry$36billionincompensationvolume.,comparedChina’scurrentsituationisgrimcatastrophe11risk,insuranceindustrylossescarriedcompensationandsocialmanagementfunctionsnotyetfully,and
4、furtheracceleratethedevelopmentofChinahighlightstheurgencyofcatastropheinsurancesystem.Aforeignkeytoestablishtheformofcatastropheinsurancesystem1,theestablishmentoflawsandregulationstosupportcatastropheinsurancesystemCurrently,theestablishmentofthenationalcatastropheinsurancesystemhave12,mostof
5、theminthelawestablishingthebasicframeworkofcatastropheinsurancesystem,themodeofoperation,loss-sharingmechanism,thescopeofprotection,governmentsupportpolicieshasmadespecificprovisionssuchastheUnitedStatesin1973issueda<<FloodCatastropheProtectionAct>>,1994and2004,theintroductionofthe&
6、lt;<FloodInsuranceReformAct>>,respectively,topromotethefurtherdevelopmentoffloodinsurance,earthquake-proneJapaninresponseto,passedin1966<<EarthquakeInsuranceAct>>,NewZealanddevelopeda<<EarthquakeInsurance11Committeeamendment>>andsoon.2,foreigncatastropheinsuranc
7、esystemmodel(Agovernment-ledU.S.government-ledimplementationofthenon-profitisbasedoncatastropheinsurancebythefederalcatastropheinsuranceprogramnationalfloodinsuranceprogram,andstatecatastropheinsuranceprograms.Mostoftheimplementat