| 财产保险公司对地震保险的承保管控和风险控制分析 |
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| 引用本文： | 邱剑.财产保险公司对地震保险的承保管控和风险控制分析[J].保险研究,2012(1):78-85. |
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| 作者姓名： | 邱剑 |
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| 作者单位： | 中国社会科学院金融研究所 |
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| 摘 要： | 本文通过收集全球地震灾害发生的数据,归纳出全球地震的变化趋势和规律。在此基础上概述了我国地震活动规律和地震带分布特征,并引用稳定分布函数分析了地震损失具有右偏、厚尾、长尾特性,解释了我国地震保险供需矛盾的原因。最后描述了我国财产保险公司对地震风险的控制思路,提出了由政府干预解决市场失灵问题的具体建议。
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| 关 键 词： | 地震风险 地震保险 财产保险公司 损失与控制 |
Analysis on Underwriting Management and Risk Control of Earthquake Insurance of Property Insurance Company |
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| Qiu Jian.Analysis on Underwriting Management and Risk Control of Earthquake Insurance of Property Insurance Company[J].Insurance Studies,2012(1):78-85. |
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| Authors: | Qiu Jian |
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| Abstract: | The writer summarized the trend of global earthquakes according to the data of global earthquake catastrophes.Based on that,the article arrived at the rule of development,characteristics and distribution of earthquakes in China.Moreover,it analyzed the right-biased,thick-tail and long-tail characteristics of China′s earthquake losses by using the stable-distribution model,and explained the demand-supply imbalance for earthquake insurance in China.Finally,this article described the thinking of controlling earthquake risks for Chinese property insurance companies and raised suggestions for government intervention to solve the market failure problem. |
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| Keywords: | earthquake risk earthquake insurance property insurance company loss and control |
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