| 洪水保险债券的运作机制与发展思路 |
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| 引用本文： | 魏敏杰,纪昌明.洪水保险债券的运作机制与发展思路[J].水科学进展,2004,15(1):113-116. |
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| 作者姓名： | 魏敏杰 纪昌明 |
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| 作者单位： | 武汉大学水利水电学院, 湖北, 武汉, 430072 |
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| 基金项目： | 国家自然科学基金资助项目(50099624)，湖北省自然科学基金资助项目(2002AB008)~~ |
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| 摘 要： | 由于传统(再)保险,难以将洪灾风险进行有效的分散,因此,有必要寻求有效的金融工具将洪灾风险向资本市场转移。在建立洪水保险债券的概念框架基础上,阐述了与普通债券及传统再保险的区别。从经济学和精算学的角度对洪水保险债券进行分析,揭示了洪水保险债券定价机制。通过研究洪水保险债券的运作模式,分析了我国洪水保险债券的发行条件与发展思路,指出洪水保险债券为我国防洪减灾提供了可资借鉴的崭新方法与工具。
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| 关 键 词： | 洪水保险 债券 风险 资本市场 证券化 |
| 文章编号： | 1001-6791(2004)01-0113-04 |
| 收稿时间： | 2003-03-12 |
| 修稿时间： | 2003年3月12日 |
Operating mechanism and developing perspective of flood insurance bond |
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| WEI Min-jie,JI Chang-ming.Operating mechanism and developing perspective of flood insurance bond[J].Advances in Water Science,2004,15(1):113-116. |
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| Authors: | WEI Min-jie JI Chang-ming |
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| Institution: | School of Water Resources and Hydropower, Wuhan University, Wuhan 430072, China |
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| Abstract: | Since the moral hazard,the adverse selection and the credit hazard problems and so on,exist in traditional (re) insurance,it is difficult to disperse the flood hazard effectively Therefore,it is necessary to find an effectual financial tool to transfer the flood hazard to the capital market.On the basis of building the concept system of flood insurance bond,this article expatiates the differences between the general bond and traditional reinsurance bond.From the view of economics and actuarial science the price mechanism is delineated by analyzing flood insurance bond.By studying the operating mode of flood insurance bond,this article expounds the developmental perspective of flood insurance bond in China and points out that flood insurance bond provide us a new financial tool to control and reduce flood disasters. |
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| Keywords: | flood insurance bond hazard risk capital market securitization |
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