超大城市推进地震巨灾保险工作的若干建议

地震巨灾保险作为资源储备和经济补偿的一种手段，能够有效减轻国家政府的负担，为震后受灾群众提供经济补偿。当超大城市发生地震后，经济损失相较其他城市更严重。因此，在超大城市推进地震巨灾保险发展显得尤为重要。本文从政策法规、模型构建和巨灾试点3个层面对比梳理了地震巨灾保险现状，分析了我国超大城市开展地震保险工作所面临的困难，最后以首都北京为例，对北京开展超大城市地震巨灾保险提出了意见建议，为北京相关政府部门政策制定和决策建议提供了参考。 

Some suggestions on promoting earthquake catastrophe insurance in megacities

As a means of resource reserve and economic compensation, earthquake catastrophe insurance can effectively reduce the burden of the government and provide economic compensation for the victims. After an earthquake, the economic damage of a megacity is worse than that in other cities. Therefore, it is particularly important to promote earthquake catastrophe insurance in megacities. In this paper, we compare and sort out the current situation of earthquake catastrophe insurance from aspects of policy, regulation, model construction and practical application. We analyze the difficulties in carrying out earthquake insurance in megacities of China. Finally, taking Beijing as an example, we put forward some suggestions on the development of megacity earthquake catastrophe insurance, and provide reference for policy-making and decision-making of relevant government departments in Beijing.