中、韩两国财产保险业风险管理比较研究

财产保险是经营风险的产业,风险管理能力是其核心竞争力.从保险监管机构、市场典型主体两方面比较了中、韩两国财产保险业风险管理体系,市场主体的比较从研究宣传、产品开发、业务经营、客户管理、信息技术等方面展开,并提出了建议和措施.     

应用测雹板评估1998年涞源县防雹效果

应用测雹板布网,选用雹块大小,密度以及与其有关的冰雹动能,动能通量,冰雹质量,质量通量等物理量参数作为评估防雹效果的统计量,通过计算,对作业区与对比区分别进行统计分析,确定防雹作业效果。     

浅谈我国冰雹的分布规律及其保险对策

本文从冰雹灾害的分布规律着手,研究我国雹灾对策形式之一——雹灾保险,在对世界各国雹灾保险借鉴的基础上,选择我国雹灾保险的模式,建立适合我国国情的雹灾保险。     

Learning and climate feedbacks: Optimal climate insurance and fat tails

We study the effect of potentially severe climate change on optimal climate change policy, accounting for learning and uncertainty in the climate system. In particular, we test how fat upper tailed uncertainty over the temperature change from a doubling of greenhouse gases (the climate sensitivity), affects economic growth and emissions policy. In addition, we examine whether and how fast uncertainties could be diminished through Bayesian learning. Our results indicate that while overall learning is slow, the mass of the fat tail diminishes quickly, since observations near the mean provide evidence against fat tails. We denote as “tail learning” the case where the planner rejects high values of the climate sensitivity with high confidence, even though significant uncertainty remains. Fat tailed uncertainty without learning reduces current emissions by 38% relative to certainty, indicating significant climate insurance, or paying to limit emissions today to reduce the risk of very high temperature changes, is optimal. However, learning reduces climate insurance by about 50%. The optimal abatement policy is strongly influenced by the current state of knowledge, even though greenhouse gas (GHG) emissions are difficult to reverse. Once the mass of the fat tail diminishes, the remaining uncertainty is largely irrelevant for optimal emissions policy.     

分洪区洪灾保险工作初探

本文从洪水过程的随机特点及防洪工作的实际需要等各个方面出发,阐述了在分洪区实行洪灾保险的必要性,结合国内外已有的实践经验,分析了这一工作得以顺利开展的可能性。并在此基础上,提出了二种洪灾保险费用计算方法,实例计算结果表明,这些方法是基本可行的。     

应用隶属函数的条件概率法综合判别雹云

本文提出应用隶属函数的条件概率法综合判别雹云。该方法把雹云和非雹云视作参数的模糊集合,因而在综合判别式中,每个参数对雹云和非雹云都有一个隶属度。利用成都市1982～1987年天气雷达回波历史资料,分别建立了全年、4～6月和7～8月的雹云等强对流天气的综合判别式,并用建立的模式对成都市1990年4～6月的7个强对流天气个例作试报检验。结果表明用该方法建立不同地区和不同季节的雹云等强对流天气综合判别式是可行的。     

煤炭行业推行安全生产责任保险作用及问题探讨

为了减少事故及其造成的损失,使企业不致因灾后赔付而陷人困境和摆脱“企业赚钱,政府发丧”的怪圈,在煤炭行业推行安全生产责任保险,把商业保险模式引入安全生产领域,分散转移风险,并运用保险行业风险管理方法,规避、控制和管理风险,强化事故预防,以达到安全发展、可持续发展的目标。笔者在认真研究有关政策法规,搜集整理相关资料,实地凋研考察的基础上,结合我国煤炭行业安全生产以及煤炭行业责任风险管理现状,对我国煤炭行业推行安全生产责任保险的作用以及试点省市安全生产责任保险实施过程中遇到的问题进行了分析探讨。     

高危企业社会保险投资与员工忠诚度的博弈分析

运用经济博弈论方法,研究高危企业社会保险投资与员工忠诚度问题,建立博弈模型,得出混合策略纳什均衡解,并对影响企业社会保险投资概率和员工忠诚度大小的因素进行分析,得出以下结论:企业对于员工社会保险投资力度越大,或对于不忠诚员工的惩罚力度越大,或对于忠诚员工的奖励越高,越有助于员工忠诚企业。同时指出:企业对员工采取"一刀切"的做法,会挫伤忠诚员工爱企强企的积极性;启发企业实行公平分配机制,来提高员工忠诚度和企业效益,要从积极的态度出发,以人为本,加大保险投资力度,为员工提供安全和生活保障;只有使双方的"非合作博弈"逐步过渡到"合作博弈",才能调动和爱护员工的爱岗敬业积极性。     

基于风险评估的火灾保险与消防管理互动模式的探讨

火灾保险与消防互动的管理模式是我国火灾风险管理的必然发展方向.在对国外发达国家该领域现状进行分析的基础上,指出了我国目前两个行业的现状和存在的问题,提出了基于风险评估的火灾保险与消防管理互动模式及其操作方法,深入探讨了确保该模式运行的外部条件,为科学合理地进行火灾风险的管理提供帮助.     

Prospects for disaster management in China and the role of insurance

ABSTRACT

Natural disasters have serious negative consequences for China and it is necessary to build an effective and efficient disaster relief system. This paper aims to provide suggestions for how to restructure and optimise China’s disaster relief system. This paper first discusses the four main channels through which relief funds are currently distributed in China while also examining the relative share of relief funds directed through each channel. Then, the advantages and disadvantages of these relief channels are compared. Finally, suggestions for how China can reduce the negative economic and social impacts of natural disasters by restructuring and optimising its current disaster relief system are provided. The paper presents several main findings. Currently, government-channelled funds are the most important source of disaster relief in China. However, the actual ratio of relief funds from the government to the total amount of losses and the ratio of relief funds from the four channels added together are both very low. This paper argues that the role of commercial insurance in disaster relief is far from sufficient. Importantly, suggestions are also provided on how to restructure the system and on the relative role that each of these channels should play in China’s disaster relief system.