基于水库库区特征水位下的洪水保险费率厘定初探

Determination of flood insurance rate according to characteristic water level in reservoir areas

根据"因水库拦洪超蓄导致库区淹没而造成损失的,有关人民政府应当按规定给予适当补偿"的原则,提出在水库库区建立洪水保险的设想。针对洪水保险的核心问题——保险费率厘定问题进行研究,初步提出了历史损失率调查法、抽样损失率调查法和设计损失率分析法3种方法,为水库库区洪水保险试办期洪水保险费率厘定提供参考借鉴。

According to the principle "Owing to the inundation loss in reservoir areas caused by flood retention exceeding flood storage, the local government should provide suitable compensation in accordance with certain regulations ",the establishment of flood insurance idea in the reservoir areas is proposed. By analyzing the core issue of flood insurance,insurance rate,three simplified methods are put forward so as to provide reference for reservoir areas during the flood insurance pilot period,that is,historical loss rate survey method,sampling loss rate survey method and design loss rate analysis method.