According to regulations, crops such as rice, wheat, cotton, etc. must be harvested or reduced by more than 70% due to natural disasters such as floods, winds, hail, droughts, freezes, rains, epidemics, outbreaks of pests and diseases, animal and plant epidemics, etc.

, you can obtain the specified amount of insurance compensation.

Considering the risks of various natural disasters such as earthquakes, mudslides, and floods in China, it is very necessary to establish such a mechanism.

At present, in Western developed countries, such mechanisms have been established accordingly.

Let us take France as an example and give some specific explanations to provide relevant experience.

First of all, France’s daily insurance coverage includes corresponding insurance for people and property.

As stipulated by law: Any homeowner or tenant as a natural person or a business as a legal person must insure the building with multirisques d'habitation or multirisques d'entreprise, which covers the risk of damage in the event of strong winds, hail, or heavy rain.

In the event of disasters such as natural disasters or fires, insurance companies will compensate the building.

At the same time, such insurance often includes certain personal insurance, which provides compensation for personal injury or death caused by disasters.

Diversified residential insurance must include civil liability insurance, which means that if the insured causes personal or property damage to others, the insurance company will compensate.

At present, many insurance companies have also introduced more comprehensive personal insurance, that is, compensation can be obtained for personal injury and death accidents under any circumstances.

It should be pointed out here that if it is an apartment building, the owner of each suite must insure the interior of the house with multiple insurances, and the property management department designated by the homeowners committee must insure the entire exterior with multiple insurances.

In this case, if the building is damaged or collapsed, the owner can obtain compensation from the insurance company.

In other types of insurance, such as automobiles and other means of transportation, highways and other infrastructure, etc., there are corresponding insurance clauses to ensure compensation for losses caused by natural disasters.

Of course, the car insurance contract is not a compulsory condition like a house building. If you do not choose it yourself, you will not be compensated for car losses caused by natural disasters, unless it occurs in a natural disaster area stipulated by the state as mentioned below.

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Secondly, when a large-scale natural disaster occurs over a large area, it is actually difficult for people to deal with the damage on a case-by-case basis.

Therefore, state intervention is important.

French law stipulates that once such a situation occurs, the state will issue a ministerial order based on expert opinions and standards to determine the scope of the disaster area. Once within this scope, people can declare a disaster according to unified procedures, and the suffered

Both personal and material losses can be compensated by various insurance companies.

The state's non-budgetary allocations to disaster-stricken areas are mainly focused on temporary emergency relief services. Of course, the use of firefighting forces (French fire fighters are paramilitary units), military and police forces should also be considered non-budgetary expenditures.

Third, there is a special fund in the national budget under the control of the judicial system, which is mainly used to compensate for personal and material losses caused by social events, such as fires, violence, terrorism, etc. caused by social unrest.

Some natural persons or legal persons who have suffered personal or material losses due to criminal cases may also request the state for compensation in accordance with the law, because the state's obligation is to ensure social tranquility and security.

We must note that although the above-mentioned insurance and compensation are in principle carried out by insurance companies, in fact it is the state that determines the rules of the game.

France's civil law and insurance law all stipulate legally which types of insurance are compulsory and which are non-compulsory insurance, and also stipulate the social obligations of insurance companies.

Relevant laws also clarify the handling procedures and compensation mechanisms in the event of various natural disasters or social collective incidents, including serious pollution, collective riots, etc.

In this way, in a series of incidents that have occurred in recent years, such as severe floods, droughts, hurricanes, social riots, high temperatures, etc., the victims can receive reasonable compensation and avoid the intensification of social conflicts.

The current insurance companies in France are all private companies, but because the insurance business actually involves many social obligations, they cannot be equated with ordinary financial institutions.

In France, the insurance industry is an industry regulated and restricted by specific national laws, with a strict access system.

France has a series of legal regulations and financial supervision systems regarding the qualifications of insurance companies, the amount of self-prepared funds, financial operation procedures, and reinsurance in the insurance industry.

Therefore, there are almost no cases where policyholders lose money due to the bankruptcy of an insurance company.

In the face of special situations such as natural disasters, the French insurance industry also has corresponding compensation capabilities.

Of course, France is not located in an earthquake zone. There have been few large-scale earthquakes in history that caused serious losses of people's lives and material.

But natural disasters also happen frequently.

For example, after the existing law on natural disasters was enacted in 1982, the insurance industry spent 11 billion euros to compensate people for their losses.

Facing the trend of increasing natural disasters, France is currently discussing amending relevant laws to increase the insurance coverage for natural disaster insurance (currently 12% of the insurance coverage), allowing the insurance industry to increase the insurance coverage based on disaster risks, etc.

Based on the above experience and China's national conditions, we have the following suggestions: 1. Establish a natural disaster insurance mechanism that is consistent with China's national conditions and list the corresponding types of insurance as compulsory insurance. This will help accumulate a small amount into a big sum in the event of a disaster.

Sufficient funds available.