新西兰地震保险制度被誉为全球现行运作最成功的灾害保险制度之一,其主要特点是国家以法律形式建立符合本国国情的多渠道巨灾风险分散体系,走政府行为与市场行为相结合的道路来尽可能分散巨灾风险。新西兰位于环太平洋火山地震带上,是地震多发国家,平均每年发生地震近3000次,抗击自然灾害已 The New Zealand Earthquake Insurance System is honored as one of the most successful disaster insurance systems in operation in the world. Its main feature is that the state establishes a multi-channel catastrophe risk dispersion system according to its own national conditions by law, and takes the road of combining government actions with market behaviors To disperse the catastrophe risk as much as possible. New Zealand is located in the Pacific Rim volcanic belt, is an earthquake-prone countries, the average annual earthquake nearly 3,000 times, fighting natural disasters have been