Charity hazard—A real hazard to natural disaster insurance?

After the flooding in 2002 European governments provided billions of Euros of financial assistance to their citizens. Although there is no doubt that solidarity and some sort of assistance are reasonable, the question arises why these damages were not sufficiently insured. One explanation why individuals reject to obtain insurance cover against natural hazards is that they anticipate governmental and private aid. This problem became to be known as “charity hazard”. The present paper gives an economic analysis of the institutional arrangements on the market for natural disaster insurances focusing on imperfections caused by governmental financial relief. It provides a theoretical explanation why charity hazard is a problem on the market for natural disaster insurances, in the way that it acts as an obstacle for the proper diffusion and therefore the establishment of natural hazard insurances. This paper provides a review of the scientific discussion on charity hazard, provides a theoretical analysis and points out the existing empirical problems regarding this issue.     

Remittances as aid following major sudden‐onset natural disasters

There is a general assumption, based on macroeconomic studies, that remittances will rise following major sudden‐onset natural disasters. This is confirmed by a few assessments involving country‐specific research, and usually short‐term data. This study, questioning conventional wisdom, reviewed and graphed annual and quarterly remittance flows using International Monetary Fund and World Bank data from 2000–14 for 12 countries that confronted 18 major natural disasters. It found that, regardless of event type, annual remittances rose steadily from 2000–14 except for after the 2008–09 financial crisis. Post disaster, there was a quarterly increase in the majority of cases (confirming previous research) but there was seldom an annual increase in the year of the disaster greater than the average annual increase in 2000–14. It appears that remittance senders rush to provide assistance after a natural disaster, but since their own financial situation has not changed, the immediate increase is compensated by a later decrease.     

云南省农业自然灾害区划指标之探讨

自然灾害区划是防灾减灾和灾害科学研究的重要内容，而正确地选取区划指标是进行区划工作的关键环节。本文作为《云南省农业自然灾害区划研究》课题的一部分，在探讨各单项灾害（干旱、洪涝、低温霜冻、风雹、水土流失）区划指标的基础上，提出了综合农业自然灾害区划的基本指标－即“综合农业自然灾害指数”，并对指标进行了分级，为区划工作提供了依据。     

自然灾害研究的新趋势——社会易损性分析

社会易损性分析在自然灾害及减灾中的重要性是近期才被认识到的。本文分析了自然灾害、易损性和灾难的概念，探讨了社会易损性的内容、分析评价方法及其应用。今后应充分注意社会易损性分析在自然灾害和减灾研究中的重要性，积极开展社会易损性分析和评价研究。     

Evidence against disaster-induced migration: the 2004 tornado in north-central Bangladesh

Migration is generally considered to be one of the primary responses to a natural disaster. The existing literature widely acknowledges the fact that disaster victims migrate from affected areas. This paper, though, provides empirical evidence of the non-occurrence of out-migration in the aftermath of the 14 April 2004 tornado in Bangladesh. Data collected from 291 respondents from eight tornado-affected villages suggest that no one from these locations migrated to other areas. The constant flow of disaster aid and its proper distribution by the government and non-governmental organisations (NGOs) were the main reasons why victims did not leave. This study contributes to the disaster literature by providing three important findings: disasters do not always create out-migration; emergency aid can compensate in monetary terms for damage caused by disasters; and some of the arguments made in the literature against the provision of emergency relief for disaster victims are not always valid for all countries.     

论灾害经济研究中的风险分析方法

灾害风险是自然风险与社会经济风险皆有、纯风险与投机风险兼顾的一种多层次多侧面的风险类型。并据此从风险分析的角度，对有关的灾害经济行为进行了理论上的探讨。着重从宏观意义上对防灾经济行为予以剖析；而对于救灾经济行为则从灾害发生的危急性、群发性以及灾后恢复三个方面进行了相关的风险分析。     

再论灾害研究的理论与实践

本文在作者１９９１年发表的“研究的现状与实践”一文基础上，全面分析了当前国外灾害理论研究的进展，对灾害理论研究中的２灾因子论，孕灾环境论，承灾体论进行了评述，并系统地阐述了区域灾害系统论的主要内容，即在综合分析组成区域灾害系统的致灾因子，孕灾环境，承灾体的基础上，通过对致灾因子的风险性评估，孕灾环境稳定性的分析，承灾体易损性的评价，揭示区域致灾与成灾过程中灾 情纬傻亩ρЩ?     

自然灾害保险的委托─代理模型

灾害保险是筹措防灾救灾资金的重要手段．本文运用委托-代理理论建立了自然灾害的保险模型,对自然灾害的最优保险合同和保险费率进行了研究,为开展自然灾害的保险业务提供了理论依据．     

Capital assets framework for analysing household vulnerability during disaster

This paper examines the vulnerability of households to disasters, using an asset vulnerability framework to represent livelihoods. Such frameworks are widely employed to analyse household poverty and focus on living conditions and well-being rather than money-metric measures of consumption and income. The conceptualisation of household vulnerability is a challenge in current studies on coping with disasters. The paper considers whether a capital assets framework is useful in identifying and assessing household vulnerability in the context of the Wenchuan earthquake in China in 2008. The framework has five categories of assets (financial, human, natural, physical, and social capital) and attempts to measure the resilience and vulnerability of households. When applied to a major disaster, asset-based methods face the problem of heterogeneity of the population, such as with regard to livelihood type or residence. Moreover, the effect of external interventions, such as the provision of relief assistance, must be taken into account.     

Financial services and disaster risk finance: Examples from the community level

Increased attention has recently been given to the possible role of financial services in the management of natural disaster risk. Local communities have been at the forefront of developing innovative disaster risk finance strategies and implementing risk-oriented incentive programs. In view of increasing risks, including the impacts of climate change, such programs will become more important. This paper examines four models and some recent experiences in using financial services at the community level. The paper offers an overview of advantages and limitations of each model to manage disaster risk in communities. Examples include a federal government initiated scheme of social protection funds, a local government risk reduction scheme, an insurance product provided by a non-governmental organization, and a micro-insurance scheme. Finally, the paper offers some directions about specific ways that the public and private sectors, in collaboration with other partners can improve finance alternatives for disaster management at the community level. It appears that a range of follow-up studies and further dialogue is needed, in order to expand the knowledge on what types of risk finance models can help manage and reduce the financial impacts of natural disasters.     

Disaster in the South Paciic: Impact of tropical cyclone "Nomu" on the Solomon Islands, May 1986

Tropical Cyclone "Namu" struck the Pacific nation of the Solomon Islands during 18-20th May 1986. It was sthe most serious natural disaster in the Solomons in lining memory. Nearly a third of the total population of 267,000 were diriven from their homes and 150 people were killed, with damage estimates beginning in AUD 25 million. It has been estimated by the Solomon Islands Ministry of Economic Planning that it will take seven years for the economy to recover. This paper discusses the major events of the disaster episode by employing the Powell and Rayner model of "disaster-time." Factors relating to current disaster Planning and management within the Solomon Islands are outlined. The paper also highlights assistance provided by Australla during the Post-impact sequence and illustrates the type of general disaster preparatory support which Australia provides to South pacific.     

The Study of Natural Disasters, 1977–97: Some Reflections on a Changing Field of Knowledge

As part of a series of papers to mark the 21st year of publication of Disasters, it is opportune to consider some of the changes that have occurred in the field it has covered so diligently for the last two decades. The paper begins with a brief review of the major natural disasters during this period and assesses their impact. It then considers the problem of how to define two key concepts: natural disaster and vulnerability, which remains an open question. The latter is one of the key determinants of the former. Next comes a review of what has occurred in the disasters field since the journal began publication, including some notes on the rise in vulnerability, the information technology revolution and the dilemmas of hazard mitigation. The following two sections assess, respectively, what hoped-for developments did not occur during the period studied and what assets were lost in the name of progress. For example, on the theoretical front, academic over-specialisation has predominated, while on the practical side there has been insufficient transfer of technology to where it is needed. The paper concludes that analyses of disaster need to become more sophisticated and multi-disciplinary and must take account of several forms of context within which developments take place.     

基于遥感的洪水灾害承灾体神经网络的提取方法探讨

洪水灾害承文体信息的快速获取是洪水灾害评估的基础．卫星遥感所获得的遥感图象包含了有关该承灾体的空间分布信息．常规目视解译难以快速并准确地从遥感图象中提取这些信息．神经网络技术的发展为解决这一问题提供了新的工具．本文阐这了将神经网络用于从遥感图象中自动提取洪水灾害承文体的空间分布信息的基本原理和方法,并结合实例说明了这种方法的有效性     

中国自然灾害灾情统计现状及展望

自然灾害灾情统计是灾害评估、应急救助、灾后恢复重建等工作的基础。本文从我国自然灾害灾情统计的现状出发，认为灾种界定不清、统计内容不规范、尚未建立高效的灾情上报系统是我国灾情统计工作中存在的几大问题。建立规范的灾情统计标准和对重大自然灾害事件的统计制度、建立灾情统计的评估方法、提高基层灾情统计人员素质等，是推动我国灾情统计工作快速发展的主要途径。     

Financial services and disaster risk finance: Examples from the community level

Increased attention has recently been given to the possible role of financial services in the management of natural disaster risk. Local communities have been at the forefront of developing innovative disaster risk finance strategies and implementing risk-oriented incentive programs. In view of increasing risks, including the impacts of climate change, such programs will become more important. This paper examines four models and some recent experiences in using financial services at the community level. The paper offers an overview of advantages and limitations of each model to manage disaster risk in communities. Examples include a federal government initiated scheme of social protection funds, a local government risk reduction scheme, an insurance product provided by a non-governmental organization , and a micro-insurance scheme. Finally, the paper offers some directions about specific ways that the public and private sectors, in collaboration with other partners can improve finance alternatives for disaster management at the community level. It appears that a range of follow-up studies and further dialogue is needed, in order to expand the knowledge on what types of risk finance models can help manage and reduce the financial impacts of natural disasters.     

首都大学生的自然灾害认知调查与减灾教育建议

2006年国际减灾日的主题是"减灾始于学校",了解学生的灾害认知水平有助于减灾教育工作的有效开展。以北京5所高校的大学生为调查对象,通过问卷方式调查大学生对自然灾害的关注程度、防灾意识、灾害理论知识、应急行为知识以及对减灾教育的看法。问卷统计结果表明:大学生总体的灾害认知水平较低,现行减灾教育方式和内容与学生的期望有较大偏差。在此基础上,提出了减灾教育内容要将学生"该知道的"与"想知道的"相结合,通过演练演习等方式提高学生的防灾应急实际技能等减灾教育建议。     

Disaster studies inside out

Disaster studies is faced with a fascinating anomaly: frequently it claims to be critical and innovative, as suggested by the so‐called vulnerability paradigm that emerged more than 40 years ago, yet often it is perpetuating some of the core and problematic tenets of the hazard paradigm that we were asked to challenge initially. This paper interrogates why such an anomaly persists. In so doing, it employs Antonio Gramsci's concept of hegemony to unpack why disaster studies is still dominated by Western epistemologies and scholars that perpetuate an orientalist view of disasters. Ultimately, it suggests a research agenda for the 40 years to come, which builds on the importance of local researchers analysing local disasters using local epistemologies, especially in the non‐Western world. Such subaltern disaster studies are to be fuelled by increasing consciousness of the need to resist the hegemony of Western scholarship and to relocate disaster studies within the realm of its original political agenda.     

Disaster mitigation and preparedness on the Nicaraguan post-Mitch agenda

Nicaragua provides an example of how a major disaster, in this case Hurricane Mitch, can transform the national agenda for disaster mitigation and preparedness. Hurricane Mitch was a reminder of how extremely disaster prone Nicaragua is, and also how neoliberal reforms have weakened governmental response capacity. In the face of critiques of how governmental policies had affected preparedness and response, discussions of this transformation became a highly politicised process where the debate over alternative development models tended to overshadow the original calls to strengthen risk management. Progress can be seen in some areas, such as disaster mitigation through environmental management. This study of NGO roles, and their relations with other key actors, draws attention to the need to anchor improved risk management in local-level NGO-government collaboration. Structures are being put into place to achieve this aim, but dependence on donor financing raises questions regarding the longer-term sustainability of these efforts.     

Analysing news media coverage of the 2015 Nepal earthquake using a community capitals lens: implications for disaster resilience

South Asia is one of the regions of the world most vulnerable to natural disasters. Although news media analyses of disasters have been conducted frequently in various settings globally, there is little research on populous South Asia. This paper begins to fill this gap by evaluating local and foreign news media coverage of the earthquake in Nepal on 25 April 2015. It broadens the examination of news media coverage of disaster response beyond traditional framing theory, utilising community capitals (built, cultural, financial, human, natural, political, and social) lens to perform a thematic content analysis of 405 news items. Overall, financial and natural capital received the most and the least emphasis respectively. Statistically significant differences between local and foreign news media were detected vis‐à‐vis built, financial, and political capital. The paper concludes with a discussion of the social utility of news media analysis using the community capitals framework to inform disaster resilience.     

辽西北地区农业干旱灾害风险评价与风险区划研究

以辽西北29个农业县(市、区)为研究区域,选取辽西北最主要的玉米作物作为研究对象,从造成农业干旱灾害的致灾因子危险性、承灾体暴露性、脆弱性和抗旱减灾能力4个方面着手,利用自然灾害风险指数法、加权综合评价法和层次分析法,建立了农业干旱灾害风险指数(ADRI),用以表征农业干旱灾害风险程度;借助GIS技术,绘制辽西北农业干旱灾害风险评价区划图,将风险评价区划图与2006年辽西北受干旱影响粮食减产系数区划图对比,发现两者可以较好的匹配。研究结果可为当地农业干旱灾害预警、保险,以及有关部门的旱灾管理、减灾决策制定提供理论依据和指导。