気候変動の気候における保険

Evan Mills¹

¹Lawrence Berkeley National Laboratory, MS 90-4000, Berkeley, CA 94720, USA. emills@lbl.gov

Science (New York, N.Y.)

|August 16, 2005

まとめ

気候変動は,保険の手頃な価格と利用可能性を脅かし,金融安全に影響を与えています. 保険会社は,リスク評価と気候変動対策において協力して,業界の安定性を確保し,保険保有者を保護しなければならない.

科学分野:

環境科学環境科学
リスク管理リスク管理
保険調査保険調査保険調査

背景:

気候変動は保険業界に重大な脅威をもたらしています.
保険への悪影響は,保険の可用性や手頃な価格に影響を与え,業界の成長を阻害する可能性があります.
業界が適応できない場合,負担は政府や個人に転嫁する可能性があります.

研究の目的:

気候変動に対する様々な保険部門の脆弱性を分析する.
物理的およびビジネスリスクの包括的な理解の必要性を強調する.
気候変動への適応のための公私間のイニシアチブにおける保険会社の役割を調査する.

主な方法:

気候関連のリスクに対する保険セクターの脆弱性の見直し
潜在的な経済的,社会的影響の分析.
リスクのモニタリングと軽減のための保険会社の能力の検討.

主要な成果:

財産,責任,健康,生命を含むほとんどの保険形態は,気候変動に脆弱です.
気候変動の影響は,保険の利用可能性と手頃な価格の低下につながる可能性があります.
政府や個人の財政負担の増加は,潜在的な結果である.

結論:

保険会社,規制当局,政策立案者は,気候変動に関連するリスクに対する理解を深めなければならない.
保険会社は,損失の傾向を監視し,災害モデリングを改善するために,公私パートナーシップにおいて重要な役割を果たしています.
気候変動の原因と適応に対処するための積極的な関与は,保険部門の回復力にとって不可欠です.

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