| 洪水保险研究现状与发展趋势分析 |
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| 引用本文： | 付湘,王放,王丽萍,纪昌明.洪水保险研究现状与发展趋势分析[J].武汉大学学报(工学版),2003,36(1):24-28. |
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| 作者姓名： | 付湘 王放 王丽萍 纪昌明 |
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| 作者单位： | 武汉大学水利水电学院,湖北武汉 430072 |
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| 基金项目： | 国家自然科学青年基金项目(50209011)，湖北省自然科学基金项目(2001ABB042)，武汉大学科技创新基金. |
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| 摘 要： | 评述了国内外学者在洪水保险政策、体制、模拟模型与数据库管理等方面的研究,探讨了我国蓄滞洪区洪水保险中的问题与发展趋势.建议研究蓄滞洪区洪水保险政策与分蓄洪区土地合理利用,减少分洪损失等方面的问题;同时建立保险损失风险模型预测洪水保险损失,模拟保险损失分布;据此,计算蓄滞洪区的洪水保险费,并依据洪水保险基金积累模式推导盈余过程的分布规律,检验保险人的偿付能力,及时调整承保策略.
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| 关 键 词： | 洪水保险 蓄滞洪区 经营风险 |
| 文章编号： | 1006-155X(2003)01-024-05 |
| 修稿时间： | 2002年3月25日 |
Research status quo and development trend analysis of flood insurance |
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| FU Xiang,WANG Fang,WANG Li_ping,JI Chang_ming.Research status quo and development trend analysis of flood insurance[J].Engineering Journal of Wuhan University,2003,36(1):24-28. |
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| Authors: | FU Xiang WANG Fang WANG Li_ping JI Chang_ming |
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| Abstract: | The paper comments on the domestic and international scholar's researches in such aspects as insurance policy of the flood, system, simulation model and data base management. In the meantime the problem and development trend of the flood insurance in the flood storage and detention areas are discussed. This paper proposes studying the relations between flood insurance policy and the rational land use, flood diversion loss reduction, etc.; establishing insurance loss risk model to predict flood insurance loss and to simulate insurances loss distribution. Hereby the flood insurance premium is calculated and the distribution law of surplus process is derived according to accumulation mode of the flood insurance fund to check insurer's solvency and adjust the insurance tactics in good time. |
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| Keywords: | flood insurance flood storage and detention areas running risk |
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