Research on earthquake insurance in China

China is an earthquake-prone countries, four Chuan Wenchuan earthquake once again sounded the alarm, the earthquake insurance system has been imperative. At this stage should be from China's actual situation and proceed from the actual operational level, China's earthquake insurance system, in particular the residential earthquake insurance system for urban residents of the building and put forward a specific proposal. This programme raised the need to identify a few basic principles, such as country-led, market operation; reunification plan, first division after reunification; first less difficult, and gradually promote the relative improvement, launched as soon as possible. Need to clear a few basic principles, such as the distinction between residential and non-residential buildings; distinction between urban residents and rural farmers residential housing; province established the earthquake insurance system. Need to resolve several basic issues, such as the model; underwriting capacity; Fund Guiji issues: liability and limit; pricing issues.

Key words: earthquake insurance system; basic principle of the basic principles of fundamental issues