多年期森林火灾保险产品设计研究——以浙江省丽水市为例  

Design of Multi-year Forest Fire Insurance Product: A Case Study of Lishui City of Zhejiang

作　　者：叶涛[1,2,3] 吴吉东[1,2,3] 王尧[3] 李懿珈 史培军[1,2,3] 

机构地区：[1]北京师范大学地表过程与资源生态国家重点实验室,北京100875 [2]北京师范大学环境演变与自然灾害教育部重点实验室,北京100875 [3]北京师范大学民政部教育部减灾与应急管理研究院,北京100875

出　　处：《保险研究》2016年第2期87-98,共12页Insurance Studies

基　　金：国家自然科学基金:地表过程模型与模拟创新研究群体科学基金(41321001);中国人民财产保险股份有限公司产品创新课题"多年期森林保险产品设计关键技术试点研究"资助

摘　　要：森林保险的理论研究与业务实践均提出了保额价值化、费率差别化和期限多年化的产品创新需求。本文以浙江省丽水市四区县为例,在详细数据支撑下开展了多年期森林保险产品创新的案例研究。针对不同树种、树龄的保险标的,评估了多年期条件下的森林活立木价值以及火灾纯风险损失率,建立了差异化的保险金额及费率体系,并探讨了森林保险多年期保费趸缴折扣的方法,以期为构建多年期森林保险产品框架、森林保险产品创新提供借鉴依据。Theoretical study and industrial practices both suggest that forest insurance should use live-wood value as insurance coverage, regionaly differentiate premium rates, and provide multi-year protection. Taking four counties/districts in Lishui City of Zhejiang Province as example, the paper tried to design an innovative multi-year forest insurance product with the support of detailed data. It provided differentiated insurance coverage and premium rate system based on assessments of forest live-woods values and forest fire risks by major forest species and ages. It also discussed the discount rates for lump-sum payment of multiple- payment plans. The result of this paper can contribute to the development of multi-year forest insurance product framework and future innovative product design.

关 键 词：森林保险 多年期 活立木价值评估 火灾风险评估 

分 类 号：F840.66[经济管理—保险]