保险业通常将地震、洪水等自然灾害称为巨灾风险。
The insurance industry always takes earthquakes, floods, and other natural disasters as catastrophe risks.
实证结果表明，目前湖南地区种植业保险巨灾准备金提取比例较低，但巨灾准备金触发条件设定合理。
The empirical results indicated that the statutory catastropher eservin gratio for Hunan crop insurance was relatively low, but the trigger for utilizing the reserves was reasonable.
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