一个森林保险模型及最优免赔额的确定  

A Forest Insurance Model and the Determination of Perfect Deductible

作　　者：黄祖梅[1] 

机构地区：[1]河南财政税务高等专科学校金融系,河南郑州451464

出　　处：《林业经济问题》2014年第3期200-204,共5页Issues of Forestry Economics

基　　金：国家社会科学基金项目(12BJL054);河南省社科规划项目(2013BJJ045;2013BJJ046)

摘　　要：提出一种带有绝对免赔额和共保条款的森林保险模型。基于保险公司和投保林主均为风险厌恶型以及足额保险的假设,研究了共保条件下森林保险最优免赔额的确定问题。研究发现:1)对高低风险两种类型的投保林主来说,不同的免赔水平会对保险公司的行为产生不同影响;2)如果保险公司是风险中性的,最优保险合约下最优免赔额的确定完全由一阶条件决定。研究结果有助于设计出合理的保险合约。This paper presents a forest insurance model with deductibles and co-insurance provisions.On the assumption that both the insurer and the insured are risk-averse with full insurance,we find that： 1） For the insured with different risk levels,different levels of deductible insurance will led to different effects on the insurer＇s behavior; 2） If the insurer is risk neutral,the optimal determination with the optimal insurance contracts is completely determined by the first-order conditions. The results of this study may be helpful for the design of reasonable insurance contracts.

关 键 词：森林保险 共保 最优免赔额 

分 类 号：F840.66[经济管理—保险]