ID34住宅建筑的地震保险定价风险基准法.docVIP

住宅建築的地震保險定價：風險基準法 林正祥1 （1.華夏技術學院，台灣23568） 摘要：本研究提出估計建築物地震保險費率之風險基準法，用以估計台灣台北市住宅建築的地震保險費率。在分析保險費率時，將建築物依營建材料及高度分成15類的模態化建築，同時考慮兩種耐震設計水準以反應不同構築年代的效應。建築物的營建材料、高度及構築年代等因素對地震保險費率的影響被調查及討論。研究結果顯示，住宅建築的地震保險費率可依地震風險程度進行調整。 關鍵詞：地震保險；住宅建築；期望年損失 Earthquake insurance pricing of residential buildings: A risk-based approach LIN, Jeng-Hsiang 1 （1. Hwa Hsia Institute of Technology，Taiwan 23568） Abstract: Developed herein is a risk-based approach to obtain an estimate of earthquake insurance rates for buildings. Examples of application of the approach to the residential buildings located in Taipei city of Taiwan are presented. The buildings investigated were classified according to their construction materials and building height. Two seismic design levels were considered in response to the effect of construction age of buildings. The effects of construction material, construction age, and building height on the earthquake insurance rate were investigated and discussed. Results of this study reveal that different insurance rates can be set for different buildings in response to the discrepancy of earthquake risks. Key?words: earthquake insurance; residential building; expected annual loss. 第一作者：林正祥(1965年5月15日生)博士，男，台灣，華夏技術學院主任秘書。主要研究方向為機率風險分析。电子信箱。 1. Introduction Having the characteristics of low frequency of occurrence but generally high loss severity as demonstrated by the 1989 Loma Prieta earthquake, the 1995 Hyogoken-Nanbu (Kobe) earthquake, the 1999 Kocaeli (Turkey) earthquake, and the 1999 Chi-Chi earthquake [1-4], catastrophe earthquakes are very different from other more common risks such as fire. Due to uncertainty, catastrophe earthquakes pose inevitable risks and no one knows when an earthquake will strike or how severe it will be. On 21 September 1999, the Chi-Chi earthquake in central Taiwan, unfortunately, brought towns and villages near the epicenter to widespread destruction. Its Richter magnitude was 7.3 with a focal depth of 7 km. This earthquake resulted in about