巨灾风险评估模型的发展与研究
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摘要
巨灾已经成为全球经济损失的重要原因之一。近20年来,巨灾频繁发生,造成了重大的人员伤亡和财产损失,巨灾的发生甚至可能造成国家政治经济的不稳定。因此如何进行巨灾风险管理并减轻巨灾事件发生后所造成的损害,便成为一个相当重要的研究课题。巨灾风险评估模型作为应对巨灾风险最为有效的分析工具,近20年来得到了长足的发展,同时巨灾模型已成为巨灾保险设立的根本依据。对巨灾模型的发展与模型构架进行了综述,并结合我国的实际情况提出了一些建议。
Natural catastrophe can cause the damage to the human being and make a huge loss of property.As people known,catastrophe even can lead to unstability of national politics and economy.Therefore,how to carry out risk management and reduce the loss of the catastrophe event is the most important thing of the catastrophe risk management.This paper introduces catastrophe model,reviews the research situation of the catastrophe model and gives some suggestions for establishing an effective catastrophe model in China.
Natural catastrophe can cause the damage to the human being and make a huge loss of property.As people known,catastrophe even can lead to unstability of national politics and economy.Therefore,how to carry out risk management and reduce the loss of the catastrophe event is the most important thing of the catastrophe risk management.This paper introduces catastrophe model,reviews the research situation of the catastrophe model and gives some suggestions for establishing an effective catastrophe model in China.
引文
[1]Chessmen P.World catastrophe report 2010[J/OL].New York:Guy Carpenter 2010(36):14-17.http://www.guycarp.com/portal/extranet/insights/reportsPDF/2010/World_Cat_2010.pdf?vid=
[2]Rudolf Enz.Sigma Catastrophe report 2011[J/OL].Switzerland:Swiss Reinsurance Ltd Economic Research&Consulting,2011(24):17-19.ht-tp://www.swissre.com.
[3]Torsten Jeworrek.Annual review of natural catastrophes[J/OL].Germany:Munich Reinsurance Company,2002(21):1-9.http://www.muni-chre.com/.
[4]Peter Chessmen.Regional Initiatives in Asia to cope with the CAT challenges[J/OL].Taipei:Guy Carpenter and Company 2009(77):243-251.http://www.guycarp.com/
[5]Lane M.Alternative risk strategies[M].London:Risk Books,2002:1-264.
[6]Kircher C A,Whitman R V,Holmes W T.Earthquake loss estimation Methodology-Hazus97[M].Nat.Hazards Rev.,2006,7(2):45-60.
[7]Ashish Belambe.Catastrophe loss analysis service for corporate risk management[J].Boston:Air Worldwide Brochure,2003(1):3-24.www.air-worldwide.com.
[8]Peter Nakada.A catalyst for improved capital management in the property and casualty insurance industry[J].Journal of Risk Finance,1999,1,Iss:1:52-69.
[9]吴定富.2008年国家风险报告[M].北京:中国金融出版社,2009:47-67.
[10]卢大伟,刘博.我国建立地震保险制度的探讨[J].自然灾害学报,2010,19(5):29-35.
[11]史祥.加快中国巨灾模型建设的思考[J].中国保险,2010(8):18-24.
[2]Rudolf Enz.Sigma Catastrophe report 2011[J/OL].Switzerland:Swiss Reinsurance Ltd Economic Research&Consulting,2011(24):17-19.ht-tp://www.swissre.com.
[3]Torsten Jeworrek.Annual review of natural catastrophes[J/OL].Germany:Munich Reinsurance Company,2002(21):1-9.http://www.muni-chre.com/.
[4]Peter Chessmen.Regional Initiatives in Asia to cope with the CAT challenges[J/OL].Taipei:Guy Carpenter and Company 2009(77):243-251.http://www.guycarp.com/
[5]Lane M.Alternative risk strategies[M].London:Risk Books,2002:1-264.
[6]Kircher C A,Whitman R V,Holmes W T.Earthquake loss estimation Methodology-Hazus97[M].Nat.Hazards Rev.,2006,7(2):45-60.
[7]Ashish Belambe.Catastrophe loss analysis service for corporate risk management[J].Boston:Air Worldwide Brochure,2003(1):3-24.www.air-worldwide.com.
[8]Peter Nakada.A catalyst for improved capital management in the property and casualty insurance industry[J].Journal of Risk Finance,1999,1,Iss:1:52-69.
[9]吴定富.2008年国家风险报告[M].北京:中国金融出版社,2009:47-67.
[10]卢大伟,刘博.我国建立地震保险制度的探讨[J].自然灾害学报,2010,19(5):29-35.
[11]史祥.加快中国巨灾模型建设的思考[J].中国保险,2010(8):18-24.
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