中国作为世界上自然灾害最为严重的国家之一，长期以来一直遭受着各类巨灾风险带来的巨大损失。自上世纪九十年代以来，中国因为巨灾造成的直接经济损失呈逐渐上升趋势。据民政部统计资料显示，近十年来，中国每年因自然灾害造成的直接经济损失都在千亿元以上，常年受灾人口达两亿多人次。 中国巨灾风险所造成的经济损失整体上呈上升趋势，这也与全球巨灾风险的经济损失一致。然而，中国的巨灾保险却远远落后于保险业相对成熟的国家和地区，同时也与中国的经济发展现状以及巨灾保险需求难以匹配。国际上巨灾保险对灾害损失的补偿达到百分之三十至百分之四十，但我国这一比例不到百分之一，其中汶川大地震时的保险赔付占比仅百分之零点二。如果建...China has suffered from enormous losses brought by all kinds of catastrophes for a long time. The direct economic loss caused by the catastrophe was gradually rising in China since the 1990s. Over the past decade, China's annual direct economic losses caused by natural disasters are more than a hundred of billions and more than two hundred million people were affected. Economic losses caused by c...学位：经济学硕士院系专业：经济学院_保险学学号：1562011115199
