气象保险研究进展与展望
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摘要
现有关于灾害风险管理的文献梳理表明,气象灾害分为直接气象灾害与间接气象灾害,直接气象灾害包括暴风雨(雪)、沙尘暴、龙卷风、干旱、寒潮、冰雹、雷电等。间接气象灾害包括泥石流、山体滑坡、山洪、森林火灾等由气象因素引发的灾害。气象保险作为管理气象灾害风险的一种主要途径已受到广泛关注,各国气象保险实践充分证明气象保险在气象灾害风险中的有效性。对现有关于气象保险的文献进行梳理,发现有关气象保险的研究主要集中在七个方面,现结合保险分别论述,提出问题与对策。
The existing literature on disaster risk management shows that meteorological disasters are divided into direct meteorological disasters and indirect meteorological disasters. Direct meteorological disasters include storms(snow), sand storms, tornadoes, droughts,cold waves, hail, and lightning. Indirect meteorological disasters include debris flow, landslides, flash floods, forest fires, and other disasters caused by meteorological factors. As a main way to manage the risk of meteorological disasters, meteorological insurance has received widespread attention. The meteorological insurance practice in various countries fully proves the effectiveness of meteorological insurance in meteorological disaster risks. To sort out the existing literature on meteorological insurance, it is found that the research on meteorological insurance is mainly concentrated in seven areas. Now I discuss it separately with insurance and ask questions and countermeasures.
The existing literature on disaster risk management shows that meteorological disasters are divided into direct meteorological disasters and indirect meteorological disasters. Direct meteorological disasters include storms(snow), sand storms, tornadoes, droughts,cold waves, hail, and lightning. Indirect meteorological disasters include debris flow, landslides, flash floods, forest fires, and other disasters caused by meteorological factors. As a main way to manage the risk of meteorological disasters, meteorological insurance has received widespread attention. The meteorological insurance practice in various countries fully proves the effectiveness of meteorological insurance in meteorological disaster risks. To sort out the existing literature on meteorological insurance, it is found that the research on meteorological insurance is mainly concentrated in seven areas. Now I discuss it separately with insurance and ask questions and countermeasures.
引文
(1)Eduardo,D.C.,de Ridder,N.,Pablo,L.P.,et al.A method for assessing forst damage riskin sweet cheery orchards of South Patagonia.Agricultural and Forest Meteorology,2006,141:235-243.
(2)Richard,S.,de Melo-Abreu,J.P.,Scott,M.Frost protection:fundamentals,practice,and economics[M].FAO Technical papers,2005.
(3)Christophe Courbage,Patrick M.On insurability,its limits and extensions.Working Paper.2002.
(4)Shcrrick,B.J.,Zanini,F.C.,Schnitkcy,G.D.and Irwin,S.H.Crop Insurance Valuationunder Alternative Yield Distributions[J].American Journal of Agricultural Economics,2004,86:406-419.
(5)Ozaki,V.A.,Ghosh,S.K.,Goodwin,B.K.and Ricardo,S.Spatial-Temporal Modeling of Agricultural Yield Data with an Application to Pricing Crop Insurance Contracts[J].American Journal of Agricultural Economics.2008,90:51-961.
(6)Dassios Angelos,Jiwook Jang.Pricing of Catastrophe Reinsurance and Derivatives Using the Cox Process with Shot Noise Intensity[J].Finance and Stochastics,2003,7(1):73-95.
(7)娄伟平,吴利红,陈华江等.柑橘气象指数保险合同费率厘定分析及设计[J].中国农业科学,2010,43(9):1904-1911.
(8)梁来存.我国粮食保险纯费率厘定方法的比较与选择[J].数量经济技术经济研究,2011,(02):124-133.
(9)郑慧,赵昕.核密度估计在海洋灾害保险纯保费厘定中的应用——以风暴潮灾害为例[J].海洋环境科学,2012,(04):552-554+560.
(10)乔淑,黎贞发,李明,钱建平,刘德义,杨信廷.温室黄瓜气象灾害保险决策支持系统设计[J].中国农学通报,2010,(19):408-412.
(11)任义方.农业气象指数保险方法研究——以河南冬小麦干旱为例[D].中国气象科学研究院,2010.
(12)刘丽,代宏霞.中国自然灾害保险风险度综合评判与区划[J].山地学报,2004,(04):477-482.
(13)曹杰,周兆基,崔海荣.徐州市农业气象灾害风险评估及区划[J].中国环境科学学会学术年会论文集,2012:924-930.
(2)Richard,S.,de Melo-Abreu,J.P.,Scott,M.Frost protection:fundamentals,practice,and economics[M].FAO Technical papers,2005.
(3)Christophe Courbage,Patrick M.On insurability,its limits and extensions.Working Paper.2002.
(4)Shcrrick,B.J.,Zanini,F.C.,Schnitkcy,G.D.and Irwin,S.H.Crop Insurance Valuationunder Alternative Yield Distributions[J].American Journal of Agricultural Economics,2004,86:406-419.
(5)Ozaki,V.A.,Ghosh,S.K.,Goodwin,B.K.and Ricardo,S.Spatial-Temporal Modeling of Agricultural Yield Data with an Application to Pricing Crop Insurance Contracts[J].American Journal of Agricultural Economics.2008,90:51-961.
(6)Dassios Angelos,Jiwook Jang.Pricing of Catastrophe Reinsurance and Derivatives Using the Cox Process with Shot Noise Intensity[J].Finance and Stochastics,2003,7(1):73-95.
(7)娄伟平,吴利红,陈华江等.柑橘气象指数保险合同费率厘定分析及设计[J].中国农业科学,2010,43(9):1904-1911.
(8)梁来存.我国粮食保险纯费率厘定方法的比较与选择[J].数量经济技术经济研究,2011,(02):124-133.
(9)郑慧,赵昕.核密度估计在海洋灾害保险纯保费厘定中的应用——以风暴潮灾害为例[J].海洋环境科学,2012,(04):552-554+560.
(10)乔淑,黎贞发,李明,钱建平,刘德义,杨信廷.温室黄瓜气象灾害保险决策支持系统设计[J].中国农学通报,2010,(19):408-412.
(11)任义方.农业气象指数保险方法研究——以河南冬小麦干旱为例[D].中国气象科学研究院,2010.
(12)刘丽,代宏霞.中国自然灾害保险风险度综合评判与区划[J].山地学报,2004,(04):477-482.
(13)曹杰,周兆基,崔海荣.徐州市农业气象灾害风险评估及区划[J].中国环境科学学会学术年会论文集,2012:924-930.