房屋地震风险评价及其保险模式设计
发布时间：2019-03-02 08:51
【摘要】：我国是个地震频发的国家，每次地震后都会造成巨大的经济损失和人员伤亡。以汶川大地震为例，地震带来的经济损失为8000多亿元，保险公司的补偿仅占3%，大部分的补偿全部由政府和社会承担；但由于地震损失一般都较严重，由政府承担并不是一个完美的办法，从风险管理的角度出发，如果设定一种有效的地震保险模式，将会最大程度地弥补地震带来的损失。针对我国的国情及经济发展情况，本文研究制定一个强制的住房地震保险。 本文是从房屋地震风险评价的角度出发考虑房屋地震的风险等级，，目的是设计出一款合理的房屋地震强制保险险种，并对其中保险金额及保险费率进行计算。首先本文运用定性与半定量相结合的方法给出了房屋地震风险的评价模型，该模型既是为了评价房屋地震的风险等级同时也为房屋地震强制保险中计算费率浮动提供了基础；其次本文设计了一个强制地震保险及其承保模式，并且给出了房屋地震保险保险金额和保险费率的计算方法。运用该方法可以计算出房屋建筑的地震保险费用，计算结果与国际地震保险业的经验数据较一致，为日后我国设立相关的险种提供参考价值。
[Abstract]:China is a country with frequent earthquakes, each earthquake will cause huge economic losses and casualties. Take Wenchuan earthquake as an example, the economic loss caused by the earthquake is more than 800 billion yuan, the compensation of insurance companies only accounts for 3%, most of the compensation is borne by the government and society. However, because the earthquake losses are generally serious, it is not a perfect way to assume the responsibility by the government. From the point of view of risk management, if an effective earthquake insurance mode is set, it will make up for the losses caused by earthquakes to the maximum extent. In view of China's national conditions and economic development, this paper studies and formulates a compulsory housing earthquake insurance. In this paper, the risk grade of house earthquake is considered from the point of view of house earthquake risk evaluation. The purpose of this paper is to design a reasonable compulsory insurance category of house earthquake, and to calculate the amount of insurance and the insurance rate. Firstly, this paper presents a housing earthquake risk evaluation model by combining qualitative and semi-quantitative methods. The model is not only to evaluate the risk grade of house earthquake, but also to provide a basis for calculating the rate fluctuation in the compulsory insurance of house earthquake. Secondly, this paper designs a compulsory earthquake insurance and its insurance mode, and gives the calculation method of housing earthquake insurance amount and insurance rate. This method can be used to calculate the earthquake insurance costs of houses and buildings, and the calculated results are in good agreement with the empirical data of the international earthquake insurance industry, which provides reference value for the establishment of relevant insurance types in China in the future.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：P315.9;F842.6
本文编号：2432897
[Abstract]:China is a country with frequent earthquakes, each earthquake will cause huge economic losses and casualties. Take Wenchuan earthquake as an example, the economic loss caused by the earthquake is more than 800 billion yuan, the compensation of insurance companies only accounts for 3%, most of the compensation is borne by the government and society. However, because the earthquake losses are generally serious, it is not a perfect way to assume the responsibility by the government. From the point of view of risk management, if an effective earthquake insurance mode is set, it will make up for the losses caused by earthquakes to the maximum extent. In view of China's national conditions and economic development, this paper studies and formulates a compulsory housing earthquake insurance. In this paper, the risk grade of house earthquake is considered from the point of view of house earthquake risk evaluation. The purpose of this paper is to design a reasonable compulsory insurance category of house earthquake, and to calculate the amount of insurance and the insurance rate. Firstly, this paper presents a housing earthquake risk evaluation model by combining qualitative and semi-quantitative methods. The model is not only to evaluate the risk grade of house earthquake, but also to provide a basis for calculating the rate fluctuation in the compulsory insurance of house earthquake. Secondly, this paper designs a compulsory earthquake insurance and its insurance mode, and gives the calculation method of housing earthquake insurance amount and insurance rate. This method can be used to calculate the earthquake insurance costs of houses and buildings, and the calculated results are in good agreement with the empirical data of the international earthquake insurance industry, which provides reference value for the establishment of relevant insurance types in China in the future.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：P315.9;F842.6
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