我国建筑物地震保险制度及保险费率厘定研究  

Study on the Earthquake Insurance System and Determination of Insurance Premium Rate of Buildings in China

作　　者：郑山锁[1] 相泽辉 郑捷[1] 郑淏[1] 孙龙飞[1] 

机构地区：[1]西安建筑科技大学土木工程学院,陕西西安710055

出　　处：《灾害学》2016年第3期1-7,19,共8页Journal of Catastrophology

基　　金：国家科技支撑计划(2013BAJ08B03);教育部高等学校博士学科点专项科研基金(20136120110003);陕西省科研项目(2012K12-03-01;2011KTCQ03-05;2013JC16)

摘　　要：在简单阐述各国成熟保险制度的基础上,从政府角色、普及方式、出售方式、保险金额、免赔率及保单涵盖范围等方面对适应我国国情的地震保险制度进行研究。采用基于地震危险性、建筑结构易损性及结构损失的地震工程学方法进行地震保险费率厘定,并对如何恰当考虑地震危险性与选择结构易损性计算方法进行论述。最后,选取课题组计算获得的576条解析地震易损性曲线,分析后得到考虑了建筑高度、抗震设防烈度、龄期及抗震设计规范差异的RC框架主体结构、建筑装修及室内财产地震保险费率,并与各国已有的地震保险费率进行对比,结果表明本文地震费率计算方法合理可行。Based on the international mature insurance system,we discuss an earthquake insurance system which adapts to China national condition from several aspects： the role of government,the way of popularization,the way of sale,the insured amount,deductible and the coverage of insurance policy etc. Based on the seismic hazard,structural vulnerability and the earthquake loss,the earthquake insurance ratemaking is conducted using the earthquake engineering method,and how to consider the seismic hazard properly and the chosen reason of analytical calculation method of structural vulnerability are explained in this paper. Finally,576 seismic fragility curves of reinforced concrete frame structure which consider the difference of the structural height,the fortification intensity,the construction year and the design code are used to calculate the premium rate of structure,decoration and property. Compared with the existed seismic premium rate,the reasonability of the ratemaking method proposed in this paper is being demonstrated.

关 键 词：地震保险制度 政府角色 费率厘定 地震危险性 结构易损性 

分 类 号：X43[环境科学与工程—灾害防治] P315.9[天文地球—地震学]