巨灾保险模式及保费厘定方法研究.pdfVIP

Vol. 25 No.2 南华大学学报(自然科学版) 第25 卷第2 期 Joumal of University of Souty China( Science and Technology) Jun.2011 2011 年6 月 文章编号:1673 -0062(2011 )02 -0037 -08 巨灾保险模式及保费厘定方法研究 龚日朝，颜元，刘玲 (湖南科技大学商学院，湖南湘潭 411201 ) 摘 要: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(技保人)、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. 关键词:自然灾害;保险;保费;定价 中图分类号:因40.32 文献标识码:A Catastrophe Insurance Model and Its Method of Determining Premiums GONG Ri-zhao ,YAN Yuan ,LIU Ling (School of Business , Hunan Science and Technology University , Xiangtan , Hunan 411201 , China) Abstract: 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 met