中文摘要：

随着我国经济和社会的快速发展,人口和财富的密度越来越高,地震造成的损失也越来越严重。应用金融手段可以使地震风险与资本市场充分融合,缓解其给个人和社会造成的冲击。依据闽南地区4个重要城市的震害预测成果,讨论了如何应用地震保险和巨灾债券等金融手段减轻泉州海外未来大地震可能造成的损失。

英文摘要：

As the rapid development of economy and society in China,population and the properties are getting dense,losses from earthquakes will be getting greater.Earthquake risk can be dispersed into the capital market by financial means,and the impact of earthquake on individual and society can be reduced.It was emphasized in this paper to reduce the potential heavy losses from a future large offshore earthquake near Quanzhou by these means,such as earthquake insurance and catastrophe bond,based on engineering seismic risk assessment of four important cities in south Fujian Provice area.