發(fā)布時間：2018-05-31 09:47

  本文選題：巨災(zāi)保險 + 產(chǎn)品設(shè)計�。� 參考：《南京大學(xué)》2014年碩士論文

【摘要】：我國廣裹的領(lǐng)土孕育了種類繁多的自然災(zāi)害,各類災(zāi)害發(fā)生頻繁。每年由自然災(zāi)害導(dǎo)致的直接經(jīng)濟損失均高達上千億元,作為救災(zāi)主力的政府支出卻杯水車薪。而我國保險業(yè)、慈善業(yè)起步較晚,對于自然災(zāi)害風(fēng)險的分擔(dān)作用有待進一步加強。因此一旦巨災(zāi)發(fā)生,受災(zāi)群眾將面臨巨大的生存危機。隨著人民生活水平的提高,國家及公眾對于巨災(zāi)保險的需求日益凸顯。十八屆三中全會文件和政府工作報告中都明確談到要建立巨災(zāi)保險制度。2013年末,深圳和云南楚雄相繼展開試點工作。保監(jiān)會制訂了“三條線、齊步走”巨災(zāi)保險制度發(fā)展戰(zhàn)略,并把建立城鄉(xiāng)居民住宅地震保險制度作為我國巨災(zāi)保險制度建設(shè)突破口。本文基于此,試圖探討巨災(zāi)風(fēng)險管理的保險機制設(shè)計,并對地震住宅保險的產(chǎn)品定價進行研究分析,以期充分發(fā)揮保險在有效分散災(zāi)害風(fēng)險、提供災(zāi)后補償?shù)确矫娴淖饔?從而構(gòu)建高效的、可持續(xù)發(fā)展的巨災(zāi)保險的制度。本文基于以往文獻,首先對巨災(zāi)定義提出了指導(dǎo)性意見,對我國影響最突出的洪澇、地震、臺風(fēng)、干旱四類巨災(zāi),進行了風(fēng)險特征分析。對比了巨災(zāi)風(fēng)險與可保性風(fēng)險之間的差異并給出可保化途徑及可能存在的障礙。探討適合我國國情的巨災(zāi)保險產(chǎn)品體系。對保險產(chǎn)品設(shè)計中的幾個關(guān)鍵要素(保險對象和承保主體、保險期限、保險責(zé)任范圍、賠付方式和賠付金額、承保方式、保險費率構(gòu)成)給出了建議。其次,對保險公司的期望損失進行建模,并給出了住房地震保險定價模型。提出用反應(yīng)地震強度的地震峰值加速度值作為風(fēng)險梯度系數(shù),采用了全國的地震損失數(shù)據(jù)得到一定的概率分布,考慮了氣候因素對救災(zāi)的影響,并加入風(fēng)險再分?jǐn)倷C制對于保費的降低作用。文章以云南省地震數(shù)據(jù)為基礎(chǔ),選取居民住房為保險標(biāo)的,一年為期限,對當(dāng)?shù)厝齻�不同經(jīng)濟發(fā)展程度的縣城給予住房地震保險的定價。再次,本文對影響巨災(zāi)保險產(chǎn)品費率的三個影響因素進行了算例研究。主要研究了折扣率、投保人自擔(dān)比例及受災(zāi)面積與保費的關(guān)系,得出這些參數(shù)與保費的互動關(guān)系,并給出了合理取值范圍,為不同風(fēng)險區(qū)劃的費率厘定提供參考依據(jù)。最后,提出政府支持巨災(zāi)保險的幾點建議,包括法制法規(guī)建設(shè)、加大防災(zāi)減災(zāi)公用品的投入、建立巨災(zāi)信息管理系統(tǒng)、突破傳統(tǒng)宣傳思維、大力發(fā)展慈善事業(yè)等。
[Abstract]:The extensive territory of our country has given birth to a wide variety of natural disasters, all kinds of disasters occur frequently. The direct economic losses caused by natural disasters are as high as hundreds of billions of yuan each year, but the government expenditure, as the main force of disaster relief, is inadequate. However, China's insurance industry and charity industry started late, and the role of natural disaster risk sharing needs to be further strengthened. Therefore, once the catastrophe occurs, the affected people will face a huge survival crisis. With the improvement of people's living standard, the demand for catastrophe insurance is becoming more and more prominent. In the documents of the third Plenary session of the 18th CPC Central Committee and the government work report, it was clearly mentioned that the catastrophe insurance system should be established by the end of 2013. Shenzhen and Chuxiong in Yunnan launched the pilot work one after another. The CIRC has formulated the "three lines, step by step" catastrophe insurance system development strategy, and regard the establishment of urban and rural residents housing earthquake insurance system as the breach of the construction of catastrophe insurance system in China. Based on this, this paper attempts to explore the design of insurance mechanism for catastrophe risk management, and to study and analyze the product pricing of earthquake residential insurance, in order to give full play to the role of insurance in effectively dispersing disaster risk and providing post-disaster compensation. In order to build an efficient, sustainable development of catastrophe insurance system. Based on the previous literatures, this paper first puts forward some guiding opinions on the definition of catastrophe, and analyses the risk characteristics of the four types of catastrophe, which are flood, earthquake, typhoon and drought, which have the most prominent impact in China. The differences between catastrophe risk and insurable risk are compared and the insurable approach and possible obstacles are given. This paper discusses the catastrophe insurance product system suitable for China's national conditions. Some key elements in the design of insurance products, such as the object and subject of insurance, the period of insurance, the scope of insurance liability, the way of indemnity and the amount of compensation, the way of underwriting, the composition of premium rate, are suggested. Secondly, the expected loss of insurance company is modeled, and the pricing model of earthquake insurance is given. The peak acceleration value of the earthquake response to the earthquake intensity is used as the risk gradient coefficient, and the seismic loss data of the whole country are used to obtain a certain probability distribution, and the influence of climate factors on the disaster relief is considered. And add risk redistribute mechanism to reduce the effect of premium. Based on the earthquake data of Yunnan Province, this paper selects the residential housing as the subject of insurance, and takes one year as the term to price the housing earthquake insurance in three counties with different economic development levels. Thirdly, this paper studies three influencing factors of catastrophe insurance rate. This paper mainly studies the relationship between discount rate, the proportion of insured and the affected area and the premium, obtains the interactive relationship between these parameters and the premium, and gives the reasonable value range, which provides a reference basis for the rate determination of different risk regionalization. Finally, some suggestions on supporting catastrophe insurance by the government are put forward, including the construction of laws and regulations, the increase of investment in public goods for disaster prevention and mitigation, the establishment of catastrophe information management system, the breakthrough of traditional propaganda thinking, and the vigorous development of philanthropy.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.6

【參考文獻】

相關(guān)期刊論文 前1條

1 馬樹建;張麗麗;;基于破產(chǎn)理論的我國極端洪水保險風(fēng)險組合隨機優(yōu)化模型[J];數(shù)學(xué)的實踐與認(rèn)識;2013年05期

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本文編號：1959200