参数保险在原则上的应用——合规和创新的方式

IF 1.1 Q3 BUSINESS, FINANCE

Risk Management and Insurance Review Pub Date : 2020-05-18 DOI:10.1111/rmir.12146

Xiao Lin, W. Kwon

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引用次数: 15

摘要

近年来，创新的参数保险解决方案不断涌现，涵盖了广泛的风险，为个人、企业和政府等客户提供服务。这些参数保险产品通过简化产品设计和降低交易成本，覆盖了未投保或投保不足的风险。本文对参数保险进行了全面的回顾，包括对合同类型的分类和对市场实践的概述。我们概述了参数保险与赔偿保险相比的好处和关注点，并讨论了法律原则和监管合规事项。然后，我们调查了当前的全球市场，并确定了保险和再保险公司在提供或支持参数保险业务方面可以发挥重要作用的领域。最后，我们提供了一个案例研究的一种参数保险，旨在涵盖地震风险在加利福尼亚州。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Application of parametric insurance in principle‐compliant and innovative ways

There has been a rise of innovative parametric insurance solutions in recent years covering a wide range of risks and serving clients from individuals, to businesses, and to governments. These parametric insurance products cover risks that are otherwise uninsured or underinsured, by simplifying product design and reducing transaction costs. This paper offers a comprehensive review of parametric insurance including a classification of the types of contract and an overview of market practices. We outline the benefits and concerns of parametric insurance in comparison with indemnity insurance, and discuss the legal principle and regulatory compliance matters. We then survey the current global market and identify areas where insurance and reinsurance companies can play important roles in offering or supporting parametric insurance operations. Lastly, we offer a case study on a type of parametric insurance designed to cover earthquake risk in California.

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来源期刊

Risk Management and Insurance Review Economics, Econometrics and Finance-Finance

CiteScore

1.90

自引率

0.00%

发文量

期刊介绍： Risk Management and Insurance Review publishes respected, accessible, and high-quality applied research, and well-reasoned opinion and discussion in the field of risk and insurance. The Review"s "Feature Articles" section includes original research involving applications and applied techniques. The "Perspectives" section contains articles providing new insights on the research literature, business practice, and public policy. The "Educational Insights" section provides a repository of high-caliber model lectures in risk and insurance, along with articles discussing and evaluating instructional techniques.