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汶川地震造成损失达8千多亿,玉树地震造成损失580多亿,而我国的地震损失还在靠政府的财政支出和社会捐款来解决问题,但是即使这样,绝大部分的损失还是受害者自己承担。这显然已不符合市场经济和社会发展的需求,也不是一个长久之策。2013年4月20四川雅安再次发生7.0级地震,再一次叩问中国的地震保险制度。我国也是一个地震多发、常发的国家,因此建立地震保险迫在眉睫。本文在分析地震保险制度缺失的原因上,提出了建立地震保险的建议。
The Wenchuan earthquake caused more than 800 billion yuan of losses and the Yushu earthquake caused more than 580 billion yuan of losses. The earthquake loss in our country still depends on the government’s financial expenditures and social contributions to solve the problems. However, most of the losses are still the victims themselves bear. This obviously is not in conformity with the demand of market economy and social development nor is it a long-term solution. April 20, 2013 An earthquake of magnitude 7.0 occurred again in Ya’an, Sichuan Province, once again asking China’s earthquake insurance system. China is also an earthquake-prone and frequent country, so it is imminent to establish earthquake insurance. Based on the analysis of the reasons for the lack of earthquake insurance system, this paper puts forward the suggestion of establishing earthquake insurance.