巨灾保险可负担性研究

本文对比研究了巨灾保险的三种可负担性定义，分别是参考法定义、规范性定义、有效需求定义，并对其划分办法在巨灾保险中的应用进行了探讨。参考法定义简单直观但是划分结果却比较模糊，规范性定义和有效需求定义分别从收入分配和代表性群体的保险需求为划分依据定义可负担性，后两者结果比较精确且各有优劣。通过问卷调查得到的结论更支持有效需...

Affordability of Catastrophe Insurance

This paper compared three types of definition of catastrophe insurance affordability,namely reference definition,normative definition and behavioral definition,and then discussed their application in catastrophe insurance.The reference definition is straightforward but the results are rather ambiguous;the normative and behavioral definition defines affordability according to the income and behavior of insurance consumption of typical groups respectively,and the results of the latter are more accurate but also have pros and cons.The conclusion we made out of a public survey supports the behavioral definition,but further implementation also depends on the Government’s catastrophe risk management systems and more data from large samples.