从汶川地震灾害看我国建筑质量风险分担机制
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摘要
"5.12"汶川地震后,房屋地震保险再度成为人们热议的话题。针对目前我国保险市场的发展现状以及工程质量保证保险不承保由于地震带来的房屋损失问题,提出政府主导的市场化救灾模式,并从建筑质量风险基金的法律基础、风险评估、精算与控制体系、财务及风险分散机制以及震后理赔管理系统4个方面建立政府主导的多元建筑质量风险分担机制的运作框架。
After the Wenchuan Earthquake on May 12, 2008, the building earthquake insurance have became the hot topic again.According to the current situation of insurance industry and the problem that the CQI does not cover the loss of housing as a result of the earthquake in China, the paper puts forward the model of the government-oriented earthquake relief market formation, and proposes setting up the operation frame based on the government-oriented multiple risk-sharing system of construction quality from four parts as follows:the legal foundation, the risk assessment, actuarial and control system, financial risk dispersion mechanism and claim management system of the fund of construction quality risk.
After the Wenchuan Earthquake on May 12, 2008, the building earthquake insurance have became the hot topic again.According to the current situation of insurance industry and the problem that the CQI does not cover the loss of housing as a result of the earthquake in China, the paper puts forward the model of the government-oriented earthquake relief market formation, and proposes setting up the operation frame based on the government-oriented multiple risk-sharing system of construction quality from four parts as follows:the legal foundation, the risk assessment, actuarial and control system, financial risk dispersion mechanism and claim management system of the fund of construction quality risk.
引文
[1]郑伟.地震保险:国际经验与中国思路[J].保险研究,2008(6):9-14.
[2]IAIN HAY.Neoliberalism and criticisms of earthquake insur-ance arrangements in new zealand[J].Disasters,1996,20(1)34:-48.
[3]滕五晓,加藤孝明.日本地震灾害保险体制的形成及其问题[J].自然灾害学报,2003(4):93-99.
[4]赵苑达.日本地震保险:制度设计、评析与借鉴[J].东北财经大学学报,2003(2):18-21.
[5]RISA PALM,MICHAEL HODGSON.Earthquake insurance:Mandated disclosure and homeowner response in california[J].Annals of the Association of American Geographers,1992,82(2):207-222.
[6]夏益国.美国加州地震保险局的运作及启示[J].上海保险,2007(7):57-60.
[7]REIMUND SCHWARZE,GERT G.Wagner.The political econ-omy of natural disaster insurance:lessons from the failure of a proposed compulsory insurance scheme in germany[J].Euro-pean Environment,2007,17(6):403-415.
[8]GEORGE ZANJANI.Pricing and capital allocation in catastro-phe insurance[J].Journal of Financial Economics,2002,65(2):283-305.
[9]GODA K,HONG H P.Implied preference for seismic design level and earthquake insurance[J].Risk Analysis,2008,28(2):523-537.
[10]HELEN CROWLEY,JULIAN J.BOMMER,RUI PINHO,et al.The impact of epistemic uncertainty on an earthquake loss model[J].Earthquake Engineering&Structural Dynam-ics,2005,34(14):1653-1685.
[11]MARY A.WEISS,JOON-HAI CHUNG.U.S.reinsurance prices,financial quality,and global capacity[J].The Journal of Risk and Insurance,2004,71(3):437-467.
[2]IAIN HAY.Neoliberalism and criticisms of earthquake insur-ance arrangements in new zealand[J].Disasters,1996,20(1)34:-48.
[3]滕五晓,加藤孝明.日本地震灾害保险体制的形成及其问题[J].自然灾害学报,2003(4):93-99.
[4]赵苑达.日本地震保险:制度设计、评析与借鉴[J].东北财经大学学报,2003(2):18-21.
[5]RISA PALM,MICHAEL HODGSON.Earthquake insurance:Mandated disclosure and homeowner response in california[J].Annals of the Association of American Geographers,1992,82(2):207-222.
[6]夏益国.美国加州地震保险局的运作及启示[J].上海保险,2007(7):57-60.
[7]REIMUND SCHWARZE,GERT G.Wagner.The political econ-omy of natural disaster insurance:lessons from the failure of a proposed compulsory insurance scheme in germany[J].Euro-pean Environment,2007,17(6):403-415.
[8]GEORGE ZANJANI.Pricing and capital allocation in catastro-phe insurance[J].Journal of Financial Economics,2002,65(2):283-305.
[9]GODA K,HONG H P.Implied preference for seismic design level and earthquake insurance[J].Risk Analysis,2008,28(2):523-537.
[10]HELEN CROWLEY,JULIAN J.BOMMER,RUI PINHO,et al.The impact of epistemic uncertainty on an earthquake loss model[J].Earthquake Engineering&Structural Dynam-ics,2005,34(14):1653-1685.
[11]MARY A.WEISS,JOON-HAI CHUNG.U.S.reinsurance prices,financial quality,and global capacity[J].The Journal of Risk and Insurance,2004,71(3):437-467.
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