摘要：在世界上受自然灾难最严重国家中，我国也是其中之一。每年因为自然灾害损失惨重。而本文研究的主要内容是如何对中国巨灾风险进行管理并且如何采用再保险的方式从而更有效地管理中国的巨灾风险。文章从我国巨灾风险管理现状出发，强调了我国巨灾风险管理的重要性，对现状进行分析、研究，以及结合世界上发达国家所采用的巨灾保险模式，如美国采用的政府主导模式、英国采用的市场化模式及日本所采用的政府与市场合作模式，研究出一条有中国特色的巨灾保险模式及有助于中国巨灾风险管理的方法。此外，还对再保险市场做了详细的研究，也从再保险市场的现状出发，分析中国再保险市场潜在的机遇和所面临的挑战，从有利和不利两方面通过正反对比论述，并给出自己的一些看法和政策建议。如从法律角度来看，可以对保险法律制度进一步完善，不断改进我国《保险法》。从监管角度，保险监管体系还存在漏洞应尽快弥补与改进，同时可以建立自律组织。从产品本身角度，应用于创新，丰富产品种类和机构等等。从多方面加以考虑与完善并进一步研究在巨灾风险管理中，再保险所起到的作用。
关键词：巨灾保险 再保险 自然灾害 巨灾风险管理
Abstract ：As we all know, China is one of the countries that suffers from the most severe natural disasters. Because of the natural disasters, China suffers great losses each year. This article is going to discuss how to manage the catastrophe risk in China and how to make it more effective by using reinsurance. The article is starting from the current situation of catastrophe risk management.Then,emphasizing the importance of the catastrophe risk management of China,analyzing and researching the current situation and combining the catastrophe insurance model of developed countries in the world.For example, the United States adopets government-dominant model,England uses market-oriented mode and Japan uses the government and the maket cooperation mode. It is in order to study a catastrophe insurance system of Chinese characteristics and one method which can contribute to the management of catastrophe risk.Furthermore, I have done a detailed research on reinsurance market. From the current situation of reinsurance market,I have analyed potential opportunities and challenges in the insurance market in China.I have also gived some opinions and policy suggestions. For instance, from a legal point of view, we can improve insurance legal system and make the insurance law of our country much perfect. From the view of supervision, we can found a self-discipline organization to gradually improve system of supervision. From the product,we should be encouraged to innovate, enrich the variety of product and so on, Therefore, we should consider ,improve and do more research the effect of reinsurance in the catastrophe risk management from multiaspect.
Key Words: catastrophe insurance reinsurance natural disaster management of catastrophe risk
