巨灾保险保费定价模型的设计与实证研究  

The Model Design Of Catastrophe Insurance Premium Pricing and Empirical Research

作　　者：周长锋[1] 

机构地区：[1]肇庆学院,广东肇庆526061

出　　处：《廊坊师范学院学报（自然科学版）》2013年第3期18-21,共4页Journal of Langfang Normal University(Natural Science Edition)

摘　　要：保费定价作为巨灾保险推进的核心问题,由于巨灾自身的属性导致其定价问题存在诸多困难。针对这一现状,在"串联的"巨灾风险分散模式下,建立巨灾保险保费定价模型,并根据此模型进行实证分析有着重要的现实意义。研究表明,保险公司可以通过串联模式逐级分散风险并对未来保费进行预测;巨灾损失发生的概率应当与保费正相关;实证分析的结果说明,小额巨灾保险具有很强的可行性。The catastrophe insurance as one of the most effective economic means of Post-disaster reconstruction,due to the properties of the catastrophe itself,the promotion of the catastrophe insurance premium pricing exist many difficulties.In response to this situation,under the catastrophic risk dispersion of ＂series＂mode,established the catastrophe insurance premium pricing model and conducted empirical analysis based on this model Studies have shown that insurance companies through the series mode to diversify risk step by step and to predict the premiums;The probability of occurrence of catastrophe losses should be positively correlated with the premium;and the empirical analysis results show that the Micro-catastrophe insurance has a strong feasibility.

关 键 词：巨灾保险 保费定价 模型设计 实证研究 

分 类 号：X915.5[环境科学与工程—安全科学]