保险在降低直接风险中的作用——以洪水保险为例

IF 1.2 Q3 ECONOMICS
S. Surminski
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引用次数: 72

摘要

洪水保险的提供是一个拼凑,各国表现出不同程度的渗透、覆盖类型、需求水平和设计结构。本文探讨了目前对洪水保险的理解,特别关注洪水保险有助于直接降低风险的能力。出发点是考虑现有的洪水保险规定,既包括在成熟的保险市场,也包括在发展中国家。对分析和解释洪水保险的使用和设计的努力的回顾突出了对供需决定因素的理解是如何稳步增长的,同时也出现了明显的差距。特别是在气候变化背景下利用洪水保险并将其作为减少实际风险的杠杆的问题,将受益于进一步的经验和理论分析。文章最后对我国洪水保险改革和设计的现状进行了反思,并对今后的研究提出了一些建议。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Role of Insurance in Reducing Direct Risk - The Case of Flood Insurance
The provision of flood insurance is a patchwork, with countries showing varying degrees of penetration, coverage types, demand levels, and design structures. This article explores the current understanding of flood insurance with a specific focus on the ability of flood insurance to contribute to direct risk reduction. The starting point is a consideration of the existing provision of flood insurance, both in established insurance markets and in developing countries. A review of efforts to analyse and explain the use and design of flood insurance highlights how the understanding of supply and demand determinants is steadily growing, while clear gaps also emerge. Particularly the question of utilizing flood insurance in the context of climate change and as a lever for physical risk reduction would benefit from further empirical and theoretical analysis. The article concludes with a reflection on current efforts to reform and design flood insurance and offers some pointers for future research.
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来源期刊
CiteScore
2.90
自引率
0.00%
发文量
3
期刊介绍: Environmental and resource economics has become a broad topic making connections with many other subdisciplines in economics as well as the natural and physical sciences. It has also experience a significant growth in research such that the literature is exploding in terms of the number of topics addressed, the number of methodological approaches being applied and the sheer number of articles being written. Coupled with the high degree of specialization that characterizes modern academic research, this proliferation of topics and methodologies makes it impossible for anyone, even those who specialize in the subject, to keep up with developments in the field.
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