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《Journal of Northwest A&F University(Social Science Edition)》 2017-04
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Study on Interlinkage Between Farmhouse Insurance and Catastrophe Insurance in China

HE Lin;Journal Edition Office of Sichuan University of Arts and Sciences;  
The findings of the relevant policies and regulations show that in China the system of farmhouse insurance and the system of catastrophe insurance are similar in the protection of people's livelihood,government dominance,market operation,subject matter of isurance and basic safeguard,yet they are different in the object of benefit,risk of insurance acceptance,premium,rate establishment,insurance mode,risk transfer,apportionment of liability,etc.Both of the systems will co-exist in a certain time.This paper discusses the tendency of the farmhouse insurance and its would be conflicts with the catastrophe insurance about the urban-rural houses caused by earthquake in the overlap of functions,finance load and people's option.The arrangement of system,function set and policy guidance have decided the necessity of interlinkage.The difficulties of interlinkage lie in the insurance coverage,premium subsidy,life insurance and regulator,yet these have a way to incorporate.
【Key Words】: farmhouse insurance granted for policy consideration urban-rural residential houses catastrophe insurance caused be earthquake
【Fund】: 国家社会科学基金西部项目(12XFX028)
【CateGory Index】: F842.6
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