摘要：本文从我国自然灾害频发，保险机构对巨灾赔付几乎不存在，巨灾险的缺失的现状着手。进而以汶川，玉树地震，南方雪灾，洪水巨灾,国家的相关政策为切入点。提出解决巨灾风险的方案以及应对分析，从公共财政的角度，公私合作的理论进行评析，探讨双方能达成共识的方案谈了看法。并提出巨灾小额保险在我国的可行性与构想。对巨灾风险管理做了分析，从可保性和防灾防损为关键点，结合国际上的经验，分析了巨灾保险管理模式，提出成功营运的关键有强制实施，政府推行，防灾防损明确等方面。最后对我国巨灾保险现状与问题作总的分析。

关键词：巨灾 公共财政 防灾防损 风险管理

Abstract: This paper from China's natural disasters, insurance institutions almost does not exist on the catastrophe compensation, current situation of lack of catastrophe insurance.And in Wenchuan, Yushu earthquake, the south snow disaster, flood disaster，the national related policy as the breakthrough point. To solve the catastrophe risk and response analysis,from the perspective of public finance, public and private cooperation theory to analyze, explore both sides can reach consensus views on the proposal.AND put forward catastrophe insurance in the feasibility and the idea of our country. The catastrophe risk management to do the analysis, from security and loss prevention as the key point, combined with international experience, analysis of catastrophe insurance management model，puts forward the key successful operation of enforcement, the government clearly,loss prevention etc.. Finally, the total analysis of present situation and problems of catastrophe insurance in china.

Key words: Catastrophe risk  management of public  loss prevention  risk management