地震保险净费率之厘订的工程学方法研究

Research on The Net Fee Rate of Seismic Insurance Collated with The Engineering Method

在简要探讨了国家赈济地震灾害的模式、保险业的营运特征以及工程项目抗震设防的基本着眼点之后，本文认为开展法定的地震保险业务应具有巨大的宏观与微观社会经济效益。以地震危险性分析和震害预测技术业已取得的成就为基础，本文提出了一个地震保险净费率之厘订的工程学方法。它不仅可以为将来可能产生的地震保险业务服务，而且也可以用来透视在目前企业与家庭财产“一揽子”保险体制下，保险公司已承担地震责任。我们希望此法具有实时、实证、实用的特征。同时我们认为，在地震科学实用技术已取得长足进步的情况下，照搬国外已有所存疑的分类地震保险费率模式于我国，可能是不必要的。

In this paper,we briefly approached the way that a country relieves seismic hazard,the busi-ness features of insurance trades and the anti-seismic fortified basis of engineering item. Wethink that to develop official seismic instirance should been provided with the tremendous social e-conomic results of macro and micro.We advanced the engineering method collating the net rate of seismic insurance based on theprogress obtained in seismic risk analysis and hazard forecast technique,It not only can give ser-vice to the seismic insurance caused in future,but also can penetrate the seismic duties fulfilled byinsurance company under the″package″insurance system of enterprise and family property atpresent.We hope the method possesses the timely,testified and practical features.SimuItaneously,We conside that it is unnecessary that the classified fee rate model of seismicinsurance left a question open is mechanically copied from foreign country to our country.