台风风险的可保性及其市场供求行为分析

Insurability of Typhoon Risk and Its Demand and Supply Behaviors

台风灾害每年都给中国东部沿海地区造成巨大的经济损失,但到目前我国保险市场还没有单一责任的台风保险来分担此风险。台风保险是一种准公共物品,如果政府能够介入该保险市场,其可保性则得以提高。对有政府支持的台风保险供求行为博弈分析表明,农户购买台风保险的保险费用占其总产出的百分比在农户和保险公司的决策中至关重要。

Typhoon has a huge impact on the economical and social development in the coastal provinces of China,but currently there is no single liability Typhoon insurance to share risk in China.Typhoon insurance is quasi-public goods between pure public goods and private goods.With the support of government,the insurability of Typhoon risk will be increased.The analysis on the games behavior of the demands and supplies to typhoon insurance with the support of government shows that the percentage of the premium accounts for the total output is the key point for the decision╞making of the consumers and insurance company.