基于可保风险泛化的风暴潮灾害保险定价研究  

Research on Storm Surge Disaster Insurance Pricing based on Generalization of Insurable Risk

作　　者：郑慧[1] 

机构地区：[1]中国海洋大学经济学院,山东青岛266100

出　　处：《商业研究》2013年第11期145-151,共7页Commercial Research

基　　金：山东省社会科学规划研究项目;项目编号:12CJR18;中央高校基本科研业务专项课题;项目编号:201313029

摘　　要：提高海洋灾害的风险管理能力、降低灾害损失,是海洋强国战略实施的重要保障。在依照可保风险泛化条件辨识风暴潮灾害风险可保性的基础上,本文创新并完善了一套基于非参数估计模型的海洋灾害保险定价方法,并通过构建信度保费厘定模型计算了风暴潮灾害综合险纯费率,从费率厘定的动态调整、灾害保险体系建设等方面提出了对策建议,以期为完善海洋灾害风险管理体制提供参考。Improving the marine disaster risk management ability to reduce the loss is an important guarantee to imple- ment maritime power strategy. The article identified risk insurability of storm surge disaster based on generalization of in- surable risk, and built non - parametric estimation model for pricing. Then, it calculated the comprehensive insurance premium of storm surge disaster by building credibility premium ratemaking model. In addition, it put forward the coun- termeasures from the aspects of ratemaking dynamic adjustment and disaster insurance system construction, in order to provide reference for the improvement of marine disaster risk management system.

关 键 词：风暴潮灾害 风险可保性 费率厘定 核密度估计 

分 类 号：F842.6[经济管理—保险]