我国巨灾保险立法模式探讨

Discussion on Legislative Mode for China's Catastrophe Insurance

巨灾保险制度的建立必须以巨灾保险法律制度为基础,探讨适合我国巨灾保险立法模式是巨灾保险法律制度建设首先必须解决的问题之一。本文通过考察世界各国巨灾保险立法模式的类型,借鉴巨灾保险先行国家和地区的成功经验,依据我国现阶段的国情和法治状况,总结出我国巨灾保险立法模式比较可行的选择是采专项型立法模式,首先针对地震风险制定《地震保险法》,在此基础上逐步建立针对其他灾种的巨灾保险法律制度。

The catastrophe insurance system should be based on the legal system of catastrophe insurance. Therefore, the construction of legislative mode of catastrophe insurance accepted in China plays very important role in the process of building legal system of catastrophe insurance. The paper concludes that China can adopt special legislative mode, based on types of legislative modes around the world, with reference to successful experience in developed countries and regions and in terms of our country＇s current situation. The paper suggests that we can establish Earthquake Insurance Act and then extend to other types of catastrophes.