储蓄型巨灾保险:从需求不足和风险稀释角度进行的产品创新

Savings-type Catastrophe Insurance:Product Innovation from the Perspective of Demand and Time Dimensional Risk Dispersion

本文通过对巨灾风险分散和巨灾保险市场需求不足进行分析,提出了新型巨灾保险产品——储蓄型巨灾保险。储蓄型巨灾保险既有规避风险又有储蓄的特征,能弥补由于可得性偏差和关注偏差造成的巨灾保险需求不足。并且在风险分散上,储蓄型巨灾保险能从时间维度上将风险进行稀释。本文在分析储蓄型巨灾保险风险的基础上,提出了储蓄型巨灾保险的纯保费定价公式,并探讨了储蓄型巨灾保险的可行性。

Through the analysis of catastrophe risk dispersion and lack of catastrophe insurance demands,this paper proposes a new type of catastrophe insurance-the savings-type catastrophe insurance.There are two features of this new insurance,one is to avoid risk and the other is saving.It not only can make up for lack of demands due to availability bias and attention bias,but also can disperse risk in time.The author puts forward the pure premium pricing formula of the savings-type catastrophe insurance and analyzes its feasibility on the basis of the risk dispersion.