火灾公众责任险理论模型及其应用

The Theoretical model of Conflagration Public Liability Insurance and its Application

我国火灾公众责任险的推广普及出现"供求双冷"局面。火灾公众责任险模型依据期望效用理论基础建立。发展我国火灾公众责任险,要广泛宣传企业参保的重要性及其现实意义,加大火灾风险研究力度,合理确定保费,实行动态差别费率,与资本市场结合,实现火灾公众责任险的"风险证券化"。

This paper takes advantage of Expectancy Effect Theory to set up application model of conflagration public liability insurance,analyzing the expected profit of insurance enterprises and insurance companies and finding out the factors that influence the behaviors between supply and demand sides and certain region of premium rate.To develop conflagration public liability insurance in China,it is necessary to widely publicize the importance and practical significance of insured enterprises,reinforce the study of the risk of fire,further make a reasonable premium,and realize the implementation of dynamic differential rates,and the integration with capital market,so as to achieve fire ＂risk securitization＂ of public liability insurance.