中文摘要：

我国地震灾害发生率高，对经济社会发展造成的负面影响极大，健全完善我国地震灾害救济机制具有极为重要的意义。作为我国地震灾害损失补偿的主要路径的国家财政支持和社会捐助都具有明显的局限性，因此，制定与出台我国地震保险法具有极为重要的意义。我国地震保险法的制定与出台应立足于政策性保险为主的先进理念，坚持实事求是的指导思想和多元和谐的立法宗旨，坚持社会利益优先、政府主导、市场运作与防灾减灾相结合的基本原则。我国地震保险法的整体构架应包括总则、地震保险合同、经营规则、地震保险基金、地震保险监管、法律责任及附则等七个部分。我国地震保险法制度体系的建立需要重点解决好运营模式与偿付能力这两大问题。其中，运营模式要解决政府与商业保险公司在地震保险运作中各自的职责以及其中对所涉及各方关系的处理问题，偿付能力是地震保险有效运营的核心问题，因此，应通过设定合理赔付标准及解决赔付资金来源问题以确保地震保险的赔付能够得到保障。此外，我国地震保险法在地震保险产品的设计特别是保险费率与保险金额的确定问题上需要结合我国的实际情况。总之，科学合理地提出我国地震保险法立法建议稿，可为今后我国地震保险法的制定与出台提供理念与技术的双重参考。

英文摘要：

There is high frequency of earthquakes in China, which results in great negative effects on the economic and social development. Hence, the perfection and improvement of coping with mechanism against the earthquake has great significance. Currently, the main compensation system to the victims of the earthquake which consists of national financial support and social donation has many limitations on practice. Therefore, the legislation and introduction of China Earthquake Insurance Law are of great value. Earthquake insurance law should be formulated and issued based on the advanced ideas of policy insurance, stress on seeking truth from facts as the guiding ideology and the muhicultural legislative purpose, adhere to the basic principles of putting the social interests in the first place, giving the leadership to the governments, following market operation and strengthening disaster prevention and mitigation. The integral framework of the earthquake insurance law in China should consist of seven parts - general provision, earthquake insurance contract, business rules, earthquake in- surance fund, insurance supervision, legal responsibility and supplemental provisions. To establish the institutional system of the earthquake insurance, focus should be placed on two big problems ： operation mode and solvency. Among them, the operation mode needs to solve the problem related to the respective responsibilities in earthquake insurance operations by the government and commercial insurance companies and to handle the rela- tionship between the parties involved. Solvency is the core issue of earthquake insurance operation. Therefore, compensation standard and solve compensation funding source should be set up to ensure that the earthquake insurance compensation can be secured. Moreover, the design of the earthquake insurance law for its insurance product, especially in determining the insurance rates and insurance amount, needs to be combined with the actual situation of our country. Above all, scientific proposal for ea