震灾保险研究中的软科学问题

震灾保险研究融会着自然科学与社会科学的紧密结合和相互渗透,基于这一认识,本文联系震灾保险的社会属性,分析并指出这一险种的非强制性质;保护应用的权益与责任;对社会不规范投保行为的制约;正确理解“与国际惯例接轨”、地震系统的协作模式、政府部门的政策导向等等带有根本性的问题,以启示人们把握研究的大方向,从而加快我国该项研究的实用化进程。     

The Mount Parnitha (Athens) Earthquake of September 7, 1999: A Disaster Management Perspective

Natural Hazards - Strong earthquakes in the proximity of densely inhabited urban areas pose one ofthe most complicated disaster management situations faced by societies today. Herethe experience...     

浅谈地震保险的必要性及其作用

以防震减灾为视角，针对地震灾害对社会发展及人民生活造成的重大损失，从强化地震保险意识的角度，论述地震保险的必要性和重大意义。同时对地震保险在心理、补偿、救灾、缓冲、防灾及附带等方面的作用加以阐述，从而证明要减少地震灾害的损失，充分认识地震保险的必要性及其作用，建立和完善有效的保险机制，对于减轻地震灾害，促进社会发展和人民安居乐业是一项必要的基础性工作。     

基于GIS的保险防灾信息系统构建

从分析保险防灾业务的特点出发，提出利用MapGIS强大的二次开发功能构建保险防灾信息系统。作者结合自己的开发实践，比较全面的介绍了如何利用GIS技术来管理保险防灾业务的空间信息，并对这些关键的技术进行较全面阐述，对基于地理信息的信息系统的开发提供了许多有益的解决方案     

March 1990 Hailstorm Damage in Sydney,Australia

On 18 March 1990, an intense hailstorm in Sydney, New South Wales, Australia caused insured damage valued at A$million – the third most expensive loss event in Australian insurance history.While damage was widespread with claims for buildings spread across more than 130 postcodes, 20% of the claims came from just two postcodes. The proportion of dwellings of brick construction that made a claim was significantly less than the proportion of policies for this type of construction. Fibro (fibre-cement), timber and aluminium-clad dwellings are more likely to sustain damage than brick buildings in this type of storm.Hail caused the majority of damage to exterior building items while water damage more commonly affected interior building items and contents. While the repair of Interior building items such as ceilings and walls cost more than contents damage on average, the repair/replacement costs of contents contributed more to the total costs. Damage to window glass and roofs together made up more than 50% of the total claim.     

Earthquake Disaster Management and Insurance

As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been done for many years, include these contents: insurance model, financing. This paper presents the development of china in EDM and EI. The main contents include: (1) the statue and trend of earthquake disaster management and insurance in china; (2) the progresses and new methods about the seismic risk zonation and vulnerability analysis, and the future developing trend, the application of GIS in earthquake disaster assessment is introduced; (3) the way and illustration in building the earthquake disaster e     

洪水保险债券的运作机制与发展思路

由于传统(再)保险,难以将洪灾风险进行有效的分散,因此,有必要寻求有效的金融工具将洪灾风险向资本市场转移。在建立洪水保险债券的概念框架基础上,阐述了与普通债券及传统再保险的区别。从经济学和精算学的角度对洪水保险债券进行分析,揭示了洪水保险债券定价机制。通过研究洪水保险债券的运作模式,分析了我国洪水保险债券的发行条件与发展思路,指出洪水保险债券为我国防洪减灾提供了可资借鉴的崭新方法与工具。     

洪水保险的理论分析与研究

简述了目前一些国家的洪水保险的现状,综合应用了经济学、保险学、系统工程等理论和知识,对洪水保险问题进行了深入分析和研究,揭示了洪水保险的内在性质和规律,建立了洪水保险的效用模型。结合我国的国情,对我国实施洪水保险提出了建议。     

刍议国际地震保险投保率

地震灾难带来的损失日益增加的问题，让保险业至今难以应对。地震发生频率低、损失巨大而保险公司的承保能力又十分有限，加之，社会公众的投保意识薄弱，造成地震保险投保率过低。从地震灾情入手，介绍了国际地震保险开展情况，剖析了地震保险投保率过低的原因，并针对问题提出了解决措施。     

隐伏断层灾害的研究与地震保险

简要介绍了近年来一些国家地震灾害造成的经济损失占这些国家国内生产总值的比例；主要介绍了多震地区开展地震断层探测研究的概况以断层活动为基础的地震保险试验的内容及研究进展。