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一种新的灾害保险模式,为公私合作提供容量预留
Heyi Liu1, Qiuhong Zhao1,2, Qi Lin3
1School of Economics and Management, Beihang University, Beijing, China.
概括
本研究介绍了一种灾难保险模式,为区域政府预留容量. 零扣除合同是局部灾害的最佳选择,提高了准备能力和保险公司的利能力.
科学领域:
- 灾害管理与公共政策
- 游戏理论和经济建模
- 保险和风险管理的管理.
背景情况:
- 对非灾难性局部灾害的有效管理需要加强区域准备和应对能力.
- 目前的战略往往缺乏在灾害管理中进行公私合作的综合金融和运营机制.
- 越来越多地认识到需要创新的政府战略来加强局部地区的抗灾能力.
研究的目的:
- 开发和分析一个全面的灾害保险模型,并为区域政府提供容量预订功能.
- 通过游戏理论建模研究政府与保险公司的互动,以优化灾害准备策略.
- 为本地化灾害管理提供关于最佳合同设计和保险人行为的见解.
主要方法:
- 游戏理论模型被用来分析政府实体和保险公司之间的互动.
- 逆向诱导被用来为拟议的灾难保险模型推导解决方案.
- 在中国的一个案例研究中,专注于风伦比亚,被用于模型验证.
主要成果:
- 零扣除灾难保险合同被确定为局部灾害的最佳机制,减少障碍并确保保险公司的可行性.
- 保险公司发现长期合作对低波动性,短期事件,提高产能摊销和运营效率更有利.
- 保险人关于储存的决定受到交付时间,现货市场价格和灾害特征的重大影响.
结论:
- 开发的模型提供了一个框架,通过综合的财务和运营战略来加强区域内部的防灾准备.
- 非传统的合同设计,如零扣除政策,可以在特定的灾难环境中有效.
- 这些发现支持为区域政府制定灵活的,具体的场景灾害准备战略,推进理论和实践.
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