And two from the perspective of government and commercial insurance companies are given the Establishment of catastrophe reinsurance model countermeasures, and to explore the property insurance company in China to establish multi-level excess of loss reinsurance model possibilities. 并从政府和商业保险公司两个角度给出了建立我国巨灾再保险模式的对策建议,并探讨了在我国财险公司内部建立多级超赔分保模式的可能性。