摘要
在西方发达国家,业主为减轻火灾发生后的实际损失,在火灾发生之前会主动采取火灾风险管理措施,而火灾保险是其中的重要部分,这也是我国今后火灾风险管理的发展方向之一。通过购买火灾保险,业主将火灾损失的一部分或全部转移到保险公司,但业主需每年向保险公司交纳一定数额的保险费。购买火灾保险之后,消防投资经济性的评价模型会发生一些改变。本文基于经济性学的基本理论和方法,对这些新模型进行了较为全面的研究,为投资者做出科学合理的决策提供指导和帮助。
In developed countries, property owners usually take measurement to avoid fire risk before fire occurrence. Fire insurance is one of them. This is a new trend in our country. Fire insurance provides protection against financial losses from fire and is intended to indemnify a property owner, and a property owner needs to pay premium to insurance company. After introducing insurance economic evaluation models of fire protection cost will change a lot. The paper studies these new models based on economic theories and principles, aiming to give some guides in decision analysis.
出处
《灾害学》
CSCD
2005年第4期29-32,共4页
Journal of Catastrophology
基金
公安部科研项目(编号:20049463002)资助
关键词
火灾保险
自留风险
成本与效益
决策分析
fire insurance
deductibles
cost and benefit
decision analysis
