| 我国开展地震保险的必要性、有利条件、模式选择 |
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| 引用本文： | 朱建钢.我国开展地震保险的必要性、有利条件、模式选择[J].四川地震,2004(4):12-16. |
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| 作者姓名： | 朱建钢 |
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| 作者单位： | 四川省地震局,四川,成都,610041 |
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| 摘 要： | 立足于中国地震风险的定量分析和巨灾保险理论，对国外有代表性的地震保险制度进行了比较性研究。认为我国幅员辽阔有利于分散风险，国外地震保险的成功经验可以应用于我国，而适应于我国的地震保险制度设计未必可以应用于其他国家。建议我国地震保险制度的最佳方案是在政策上采用新西兰的法定模式，在分保技术上采用日本模式，并阐述了这一组合模式的财政、保险和投保人的三赢原理，说明了我国地震风险分析技术已经具备了支持这一制度的能力。
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| 关 键 词： | 地震风险分析 可能最大损失率曲线 中国地震保险 国外地震保险 |
| 文章编号： | 1001-8115(2004)04-0012-05 |
| 修稿时间： | 2004年9月5日 |
Neceity,favored condition and selected mode for the earthquake insurance in China |
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| ZHU Jian-gang.Neceity,favored condition and selected mode for the earthquake insurance in China[J].Earthquake Research in Sichuan,2004(4):12-16. |
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| Authors: | ZHU Jian-gang |
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| Abstract: | According to the quality analysis of seismic risk in China and the insurance theory of huge hazard,we compare the earthquake insurance institution of China and other countries.Our study shows that the earthquake risk can be reduced within the vast territory of China and the existed insurance items in some foreign countries can be used in China.The best strategies of the earthquake insurance in China can include some items that used in New Zealand and the reinsure strategies of the earthquake insurance can include some items used in Japan at present.We suggest a combined insurance mode that the relief fund comes from public finance,insurance companies and the individual policyholders. |
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| Keywords: | seismic risk analysis rate curve of maximum loss earthquake insurance |
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