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In developed countries, public–private partnerships involving insurance companies and governments often provide security against the human and economic losses of disasters. These partnerships, however, are neither available nor affordable in most highly exposed developing countries. In this paper we examine recent innovations in financial risk management that extend traditional public–private partnerships to include NGOs, international financial institutions and other donors. Importantly, these partnerships provide secure financial arrangements to low-income communities before disasters strike and thus relieve the uncertainty and anxiety of depending on ad hoc post-disaster aid for recovery and even survival. We examine three examples of extended partnerships: the Turkish Catastrophe Insurance Pool; the Andhra Pradesh microinsurance program and an index-based weather derivative for farmers facing drought in Malawi. 相似文献
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In developed countries, public—private partnerships involving insurance companies and governments often provide security against the human and economic losses of disasters. These partnerships, however, are neither available nor affordable in most highly exposed developing countries. In this paper we examine recent innovations in financial risk management that extend traditional public—private partnerships to include NGOs, international financial institutions and other donors. Importantly, these partnerships provide secure financial arrangements to low-income communities before disasters strike and thus relieve the uncertainty and anxiety of depending on ad hoc post-disaster aid for recovery and even survival. We examine three examples of extended partnerships: the Turkish Catastrophe Insurance Pool; the Andhra Pradesh microinsurance program and an index-based weather derivative for farmers facing drought in Malawi. 相似文献
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Stefan Hochrainer Reinhard Mechler Georg Pflug 《Mitigation and Adaptation Strategies for Global Change》2009,14(3):231-250
This paper discusses the applicability of crop insurance for the case of Malawi and explores the potential impact of climate
change on the viability of the Malawi weather insurance program making use of scenarios of climate change-induced variations
in rainfall patterns. The analysis is important from a methodological and policy perspective. By combining catastrophe insurance
modeling with climate modeling, the methodology demonstrates the feasibility, albeit with large uncertainties, of estimating
the effects of climate variability and climate change on the near- and long-term future of microinsurance schemes serving
the poor. By providing a model-based estimate of insurance back-up capital necessary to avoid ruin under climate variability
and climate change, along with the associated uncertainties and data limitations, this methodology can quantitatively demonstrate
the need for financial assistance to protect micro-insurance pools against climate-induced insolvency. This is of major concern
to donors, NGOs and others supporting these innovative systems, those actually at-risk and insurers providing insurance. A
quantitative estimate of the additional burden that climate change imposes on weather insurance for poor regions is of interest
to organizations funding adaptation. Further, by linking catastrophe modeling to regionalized climate modeling, the analysis
identifies key modeling inputs necessary as well as important constraints. We end with a discussion of the opportunities and
limits to similar modeling and weather predictability for Sub-Saharan Africa beyond the case of Malawi.
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Reinhard MechlerEmail: |
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