空间分散风险模式下巨灾承保方法研究  

A Study on the Underwriting of Catastrophe Insurance under the Mode of Space Spread Risks

作　　者：车辉[1] 程菁[1] 丁伟鹏[1] 

机构地区：[1]沈阳航空航天大学安全工程学院,辽宁沈阳110136

出　　处：《保险职业学院学报》2016年第4期5-8,共4页Journal of Insurance Professional College

摘　　要：我国是世界上遭受自然灾害最为严重的国家之一。每年因地震、洪水、台风等灾害造成的巨大损失严重影响了人民的生活和经济发展。目前我国还没有建立合理的巨灾风险控制体系,灾后重建和救助主要靠国家财政支付。本文结合我国实际情况,分析了巨灾风险特点,对基于时间分散、分保分散、共保分散等巨灾风险分散模式的利弊进行了剖析,提出了利用空间分散风险模式对巨灾进行承保的可行建议,并在巨灾保险累积过程背景下给出了承保费率厘定方法。China is one of the countries in the world that suffer from the most serious natural disasters. Every year the enormous losses caused by earthquake, flood and typhoon seriously influence peo- ple＇s daily life and economic development. However, we have not yet constructed our effective CAT-- risk control system, and the state treasury is mostly responsible for re--construction and rescue work. This paper analyzes the characteristics of catastrophe risk in our country. The pros and cons of the catas- trophe risk diversification models, i.e. time dispersion, reinsurance and co--insurance. The feasibility of the underwriting model by space spread is suggested and accumulated in process under the background of catastrophe insurance coverage rate set model is given.

关 键 词：自然灾害 巨灾保险 风险分散模式 费率厘定 

分 类 号：F840.64[经济管理—保险]