發(fā)布時(shí)間：2018-08-29 14:33

【摘要】：中國是世界上自然災(zāi)害頻發(fā)、巨災(zāi)損失最為嚴(yán)重的國家之一。隨著全球氣候變暖，我國各類災(zāi)害的突發(fā)性、異常性、難以預(yù)見性日顯突出，災(zāi)害損失持續(xù)加重，自然災(zāi)害已經(jīng)成為制約我國經(jīng)濟(jì)社會(huì)發(fā)展的重要因素之一。而我國保險(xiǎn)公司對于巨災(zāi)風(fēng)險(xiǎn)往往采取限制承保的政策，企業(yè)和家庭參加保險(xiǎn)的比例過低，保險(xiǎn)在災(zāi)害補(bǔ)償中的作用遠(yuǎn)未發(fā)揮出來。 基于以上事實(shí)，本文把巨災(zāi)風(fēng)險(xiǎn)作為研究對象，首先深入分析巨災(zāi)風(fēng)險(xiǎn)的風(fēng)險(xiǎn)特性，了解巨災(zāi)的特征和種類，探討風(fēng)險(xiǎn)事故和地區(qū)脆弱性對于事故損失的影響。對經(jīng)典的可保風(fēng)險(xiǎn)理論進(jìn)行闡述，，辯證分析巨災(zāi)風(fēng)險(xiǎn)與可保風(fēng)險(xiǎn)之間的關(guān)系，找到巨災(zāi)風(fēng)險(xiǎn)可�；�的理論途徑，再介紹了國外在巨災(zāi)可保性方面的實(shí)踐。運(yùn)用層次分析法評(píng)判構(gòu)建承保模式的關(guān)鍵因素重要性，從而對設(shè)計(jì)巨災(zāi)保險(xiǎn)承保模式提供建設(shè)性參考。最后設(shè)計(jì)巨災(zāi)保險(xiǎn)承保模式，對本文的研究做以驗(yàn)證。 積極引入保險(xiǎn)機(jī)制參與巨災(zāi)風(fēng)險(xiǎn)的風(fēng)險(xiǎn)管理，能夠完善災(zāi)害防范和救助體系，增強(qiáng)全社會(huì)抵御風(fēng)險(xiǎn)的能力，對于促進(jìn)經(jīng)濟(jì)又好又快發(fā)展起到重大作用。
[Abstract]:China is one of the countries with frequent natural disasters and the most serious catastrophe losses in the world. With the global warming, all kinds of disasters in China are sudden, unusual, difficult to predict, disaster losses continue to increase, natural disasters have become one of the important factors restricting the economic and social development of our country. However, the insurance companies of our country often take the policy of limiting insurance coverage for catastrophe risk. The proportion of enterprises and households participating in insurance is too low, and the role of insurance in disaster compensation is far from being played. Based on the above facts, this paper regards catastrophe risk as the object of study. Firstly, the risk characteristics of catastrophe risk are deeply analyzed, the characteristics and types of catastrophe are understood, and the influence of risk accident and regional vulnerability on accident loss is discussed. This paper expounds the classical theory of insurable risk, dialectically analyzes the relationship between catastrophe risk and insurable risk, finds out the theoretical approach to the insurability of catastrophe risk, and introduces the practice of catastrophe insurability abroad. AHP is used to evaluate the importance of key factors in the construction of insurance model, which provides a constructive reference for the design of catastrophe insurance model. Finally, the catastrophe insurance underwriting model is designed to verify the research in this paper. Actively introducing insurance mechanism to participate in the risk management of catastrophe risk can improve the disaster prevention and rescue system, strengthen the ability of the whole society to resist risks, and play an important role in promoting the sound and rapid development of economy.
【學(xué)位授予單位】：沈陽航空航天大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.6;F224

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 李炳圭,薛萬里;我國商業(yè)保險(xiǎn)公司經(jīng)營地震巨災(zāi)保險(xiǎn)的可行性探討[J];保險(xiǎn)研究;1997年01期

2 趙苑達(dá);我國自然災(zāi)害損失保險(xiǎn)補(bǔ)償率過低的原因與對策[J];管理世界;1999年06期

3 沈湛;試論建立我國商業(yè)巨災(zāi)保險(xiǎn)制度[J];管理科學(xué);2003年03期

4 陳建偉;;建國以來我國旱災(zāi)述略[J];糧食流通技術(shù);2009年02期

5 宋雨屏;王忠偉;;基于層次分析法的農(nóng)產(chǎn)品物流園區(qū)選址研究[J];物流工程與管理;2012年03期

6 廖圣芳;陳哲思;;結(jié)合新西蘭地震保險(xiǎn)制度淺析我國地震保險(xiǎn)制度建設(shè)[J];現(xiàn)代商業(yè);2008年17期

7 張旭升;劉冬姣;;中國巨災(zāi)風(fēng)險(xiǎn)損失時(shí)間序列分布重尾特征與保險(xiǎn)方式選擇[J];現(xiàn)代管理科學(xué);2011年09期

8 佘伯明;;我國巨災(zāi)風(fēng)險(xiǎn)管理的現(xiàn)狀及體系構(gòu)建[J];學(xué)術(shù)論壇;2009年08期

9 許飛瓊;論災(zāi)害損失的補(bǔ)償[J];中國減災(zāi);2000年01期

10 王寶華;付強(qiáng);謝永剛;馮艷;;國內(nèi)外洪水災(zāi)害經(jīng)濟(jì)損失評(píng)估方法綜述[J];災(zāi)害學(xué);2007年03期

相關(guān)碩士學(xué)位論文 前1條

1 劉銳;巨災(zāi)風(fēng)險(xiǎn)證券化的國際借鑒與我國的實(shí)踐研究[D];江西財(cái)經(jīng)大學(xué);2009年

本文編號(hào)：2211494