然而，相对来说，中国目前还非常缺乏完善的各类巨灾保险技术体系，定损和核保没有专门的技术，保费厘定不够科学，缺乏专门的巨灾保险的组织管理和营销技术。此外，中国的商业保险公司目前还没有把地震、洪水和台风等各大灾害与其他的风险区别对待，只是把这些巨灾风险作为他们承保的众多责任中的一项，亦尚未制定出专门的巨灾保险费率。而目前中国的巨灾保险的再保险市场单一，多依靠中国再保险公司一家提供，很多商业保险公司不愿或没有参与进来，因此从再保险市场这一角度来看，保险公司的承保能力和资金技术支持也还不足。

However, on the other hand, China also extremely lacks the consummation at present each kind of great disaster safe technology system, decides damages with the nucleus guarantees the special technology, the insurance premium has not arranged the insufficient science, lacks organization management and marketing technology which the special great disaster insures.In addition, China's commercial insurance company at present the earthquake, the flood and the typhoon and so on each huge disaster with other risk difference treatment, only has not been these great disaster risk took they insure in a multitudinous responsibility item, also not yet formulates the special great disaster premium rate.But the present China's great disaster insures the reinsurance market is unitary, depends upon Chinese Reinsurance Company one to provide, the very many commercial insurance company does not hope or has not participation, therefore looked from reinsurance market this angle, insurance company's insurance ability and the fund technical support is also insufficient.