摘要：近几年我国频频发生雪灾、洪水、地震、干旱等自然灾害，这些具有不可抗性的自然灾害往往导致相当巨大的人员伤亡和经济损失，其中由于地震造成的伤亡损失尤为突出，加上我国又是一个地震频发的国家，而目前由政府主导的地震巨灾风险管理体系，对受灾后人们的经济补偿只起到了小范围和低层次的作用，因此建立我国地震巨灾保险体系显得极为迫切和重要。笔者希望通过分析我国地震保险的现状，结合自己专业所学，参考国外的地震保险制度，在经营模式、法律法规、损失分担机制等方面提出建立我国地震巨灾保险制度的有效建议。

关键词：巨灾保险  地震  地震保险 地震保险制度

Abstract: In recent years, natural disasters such as snow disaster, flood, earthquake, drought have occurred frequently in China, which can’t be resistant and often cause heavy property loss and personal casualties, the earthquake caused the most serious casualties. Moreover, China is an earthquake prone country, and the current catastrophe risk management system which led by the government only function in the small range and low levels of post disaster economic compensation. Therefore, It’s extremely urgent and important to build China’s earthquake insurance mechanisms. This paper, viewed from the research on current situation of China’s earthquake insurance, and used the experience of other countries for reference, and through my own professional learning, At last, gives ideas on how to build the earthquake insurance mechanisms from five aspects: management model choice, the laws and regulations, the loss sharing mechanism.

Key words:  catastrophe insurance   earthquake  earthquake insurance     earthquake  insurance  mechanism