基于条件价值评估法的中国巨灾风险保险模式定量设计——基于网络问卷调查的实证研究

The Quantitative Design of China Catastrophe Risk Insurance Mode Based on Contingent Valuation Method

巨灾风险损失经验数据的缺乏使得保险人设计合理的巨灾风险保险模式存在较大困难。基于巨灾风险保险的准公共物品性质,通过网络问卷调查,运用条件价值评估法,从消费者意愿角度对中国巨灾风险保险模式的主要项目进行定量设计,可以克服非寿险常规费率厘定方法的缺陷,对纠正巨灾风险保险市场失灵亦有积极意义。

The paucity of empirical data of catastrophe risk loss makes the insurer to difficultly design the reasonable catastrophe risk insurance pattern. Based on the quasi-public goods properties of catastrophe risk insurance and the network questionnaire, this theory firstly quantitatively designs some main items of China catastrophe risk insurance mode according to consumer wish, which can overcomes the defects of general methods of non-life insurance premium rate making and also has positive significance to correct the market failure of catastrophe risk insurance.