中文摘要：近几年来，我国不断遭受巨大的自然灾害，对生命和财产造成的损失不容忽视。长此以来，我国的灾害补偿大部分都是依靠民政部门给予的，商业保险只赔偿很少的一部分。当巨灾发生之后，建立一个完整的巨灾保险制度体系显得迫在眉睫，如何才能很好的建立一个适应我国国情发展的巨灾保险制度，使保险在国家灾害救助体系中能够发挥着稳定民心的作用，这是一项艰巨且急需解决的任务。本文通过对比日本、英国、美国三个发达国家的巨灾保险成功经验，分析制约我国巨灾保险制度发展的因素，进而开展我国巨灾保险体系构建面临的问题及解决方案。

关键词 ：巨灾保险；国际借鉴；市场化；政府定位

Abstract：In recent years, China has been the victim of a huge natural disaster, the loss of life and property can not be ignored. Since the length of this, China's disaster compensation mostly rely on the civil affairs department for the commercial insurance compensation only a very small part. When the catastrophe occurred after the catastrophe insurance system to build a complete system seemed imminent, how can we establish a catastrophe insurance system to adapt to the development of China's national conditions, the insurance to be able to play in the national disaster relief system to maintain social stability this is a difficult and urgent need to solve the task. This paper compares three developed countries in Japan, the United Kingdom, the United States catastrophe insurance successful experience, analysis of factors restricting the development of catastrophe insurance system in China, and then carry out Catastrophe Insurance System in China face the problems and solutions.

Key words：Catastrophe insurance;  international experience;  marketization;  government orientation