洪水风险保险市场失灵研究  

Flood risk insurance market failure

作　　者：胡新辉[1] 王慧敏[1] 

机构地区：[1]河海大学水文水资源与水利工程科学国家重点实验室,江苏南京210098

出　　处：《水利经济》2008年第2期26-29,共4页Journal of Economics of Water Resources

基　　金：水利部公益性行业专项(200701024)

摘　　要：从供给和需求两方面分析了洪水风险保险市场失灵的原因:在供给方面,保险公司的组织结构、盈利水平、其他保险组合、财务杠杆、个人保险和单位保险业务的比例、公司规模、公司对风险厌恶程度以及洪水风险本身特征等,会对保险公司是否愿意提供洪水风险保险产生不同的影响;在需求方面,从三个角度,即心理抵触机制、个人对风险的感知以及慈善风险,来论述洪水风险保险需求不足的原因。针对洪水风险保险市场失灵的原因,提出解决洪水风险保险市场失灵的对策:政府需要积极干预甚至主导洪水风险保险市场。The reasons for the flood insurance market failure were analyzed from the perspective of supply and demand.On the supply side,the organizational structure,yielding level,other insurance portfolio,financial leverage,proportion between the individual and collective insurance,size and risk tolerance of insurance companies as well as the characteristics of the flood will have great impact on the flood insurance supply.On the demand side,physiologic resistance mechanisms,individual perception to risk and charity risk will have negative impacts on the public demand for flood insurance.Corresponding policy suggestions and measures were provided including active government intervention to avoid flood insurance market failure.

关 键 词：洪水风险 洪水保险 市场失灵 

分 类 号：F840.6[经济管理—保险]