摘要
本文通过收集全球地震灾害发生的数据,归纳出全球地震的变化趋势和规律。在此基础上概述了我国地震活动规律和地震带分布特征,并引用稳定分布函数分析了地震损失具有右偏、厚尾、长尾特性,解释了我国地震保险供需矛盾的原因。最后描述了我国财产保险公司对地震风险的控制思路,提出了由政府干预解决市场失灵问题的具体建议。
The writer summarized the trend of global earthquakes according to the data of global earthquake catas- trophes. Based on that, the article arrived at the rule of development, characteristics and distribution of earthquakes in China. Moreover ,it analyzed the right-biased ,thick-tail and long-tail characteristics of China＇s earthquake losses by using the stable-distribution model, and explained the demand-supply imbalance for earthquake insurance in China. Finally, this article described the thinking of controlling earthquake risks for Chinese property insurance companies and raised suggestions for government intervention to solve the market failure problem.
出处
《保险研究》
CSSCI
北大核心
2012年第1期78-85,共8页
Insurance Studies
关键词
地震风险
地震保险
财产保险公司
损失与控制
earthquake risk
earthquake insurance
property insurance company
loss and control
