巨灾保险模式及保费厘定方法研究

自然灾害保险是灾后恢复与重建最有效的经济手段.研究表明只要在足够大的地域采取强制性的保险政策,并建立科学的风险分散机制和保险模式,自然灾害保险是完全可行的.本文通过构建由潜在受灾者(投保人)、直接保险公司、再保险公司、资本市场和政府巨灾风险保障基金五类主体组建的串联式风险分散机制和保险模式,运用期望效益原理建立相应的相互串联的保险数学模型,提出了比较科学的保险保费计算新方法,通过对湖南灾害保险保费进行实例测算,进一步论证了该方法具有很强的可行性.

Catastrophe Insurance Model and Its Method of Determining Premiums

Natural disaster insurance is the most effective economic instruments of post-dis- aster rehabilitation and reconstruction. Studies have shown that as long as the region is large enough to take the mandatory insurance policy, and establish a scientific mechanism for risk diversification and insurance patterns, natural disaster insurance is feasible. By building from the potential victims （the insured）, direct insurance companies, reinsurance companies, capital markets and government risk protection fund established in series five of the main mechanisms of risk diversification and insurance models, the use of expectations of mutual benefit principle to establish the appropriate series mathematical model of the in- surance presented a relatively new scientific method of calculating insurance premiums. This is proved completely feasible through evidence.