| 引入火灾保险后消防投资经济性的评价模型 |
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| 引用本文： | 田玉敏.引入火灾保险后消防投资经济性的评价模型[J].灾害学,2005,20(4):29-32. |
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| 作者姓名： | 田玉敏 |
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| 作者单位： | 中国人民武装警察部队学院,消防工程系,河北,廊坊,065000;南开大学,城市公共安全研究中心,天津,300071 |
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| 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.
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| 关 键 词： | 火灾保险 自留风险 成本与效益 决策分析 |
| 文章编号： | 1000-811X（2005）04-0029-04 |
| 收稿时间： | 2005-07-15 |
| 修稿时间： | 2005年7月15日 |
Economic Evaluation Models of Fire Protection Cost Including Fire Insurance |
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| TIAN Yu-min.Economic Evaluation Models of Fire Protection Cost Including Fire Insurance[J].Journal of Catastrophology,2005,20(4):29-32. |
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| Authors: | TIAN Yu-min |
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| Institution: | 1. Department of Fire Engineering, the Armed Police Force Academy, Langfang 065000, China; 2. Urban Public Safety Research Center Nankai University, Tianjin 300071, China |
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| Abstract: | 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. |
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| Keywords: | fire insurance deductibles cost and benefit decision analysis |
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