摘要
洪灾保险是非工程防洪措施中的一项重要内容 ,对维护受灾地区经济的可持续发展和生活保障有着重要的意义 ,在我国这样一个洪涝灾害频繁、防洪能力偏低的国家 ,迫切需要依照我国国情 ,开展洪灾保险业务。洪灾保险应遵循风险大量原则、风险分散原则和保费合理原则 ,现一般采用危险区域法、期望损失法或洪灾损失法进行保险费用计算。危险区域法是一种比较科学、符合洪灾保险特点的计算方法 ,应用中可以针对其缺点 ,改用保险费率代替保险费占财产的比例 ,通过洪灾风险分析 ,制定保险费率 ,进行保费计算。在推行洪灾保险的过程中 ,应加大对其重要意义的宣传 ,借鉴国外推行洪灾保险的成功经验 ,广泛开展研究 ,制定出符合我国实际情况的政策和计算方法。
As an important content of non-engineering measures of flood prevention,flood insurance is of great significance for maintaining the sustainable economic development and guaranteeing the life in regions subjected to flood calamites.Since our country is frequently hit by flood and waterlogging calamities with lower capability of flood prevention,it is urgent to carry out flood insurance bussiness according to our national conditions.Flood insurance should follow the principle of extensive amount of risks,the principle of risk dispersion and principle of rational premium and the calculation of premium at present is usually carried out by using method of dangerous region,method of expected loss and method of loss from flood calamities.The method of dangerous region is a comoparatively scientific one,conformable to features of flood insurance,in application of which the premium should be calculated by working out premium rate based on the analysis of flood risk.In proceeding flood insurance it is necessary to strengthen propagating its importance and conduct extensive investigation on other countries' successful experience to work out the policy and calculation method conformable to our reality.
出处
《人民珠江》
1998年第6期46-49,57,共5页
Pearl River
关键词
洪水保险
非工程防洪措施
保险费率
风险分析
flood insurance non-engineering measure of flood control premium rate risk analysis
