Abstract: The insurance industry is a professional department for risk management and compensation for loss. In developed countries, it occupies an extremely important position. The insurance industry in China has lagged far behind with defects of gross inadequacy, improper structure and insufficiency of function. Under the circumstances of increasingly severe disasters, it is suggested that the insurance industry be included into the national disaster prevention and reduction system. It should be developed to a major force in the national disaster prevention and reduction system through clarified strategic orientation and supporting policies.

Key words: the insurance industry , disaster prevention and reduction , strategic orientation , development tendency

摘要： 保险业是专事风险管理与损失补偿的专业部门，在发达国家经济社会发展中占有非常重要的地位。我国的保险业发展滞后，存在着总量不足、结构不良、功能不全等缺陷。在中国灾害问题日益恶化的背景下，国家宜将保险业纳入综合防灾减灾体系，通过明确的保险业战略定位与大力发展保险业的政策取向，让其成为国家综合防灾减灾体系中的生力军。

关键词: 保险业 , 防灾减灾 , 战略定位 , 发展取向