土石坝工程地震保险费率厘定和保险模式研究

英文篇名：Research on Earthquake Insurance Rate and Insurance Mode of Earth-rockfill Dams
中文刊名：中国农村水利水电
英文刊名：China Rural Water and Hydropower
作者：苏燕 ; 林芳芳 ; 谯雯
英文作者：SU Yan1 ; 2 ; LIN Fang-fang1 ; QIAO Wen1(1.College of Civil Engineering ; Fuzhou University ; Fuzhou 350108 ; China ; 2.College of Economics and Management ; Tongji University ; Shanghai 200092 ; China)
中文关键词：土石坝 ; 地震风险 ; 地震保险费率 ; 地震保险模式
英文关键词：earth-rockfilled dam ; earthquake risk ; earthquake insurance rate ; earthquake insurance mode
出版日期：2009-10-15
机构：福州大学土木工程学院;同济大学经济与管理学院;
年：2009
期：10
出版单位：中国农村水利水电

摘要

针对土石坝工程易在地震中产生严重破坏的现象,提出采用地震保险的方法转移土石坝工程在施工期和运营期可能出现的地震风险,首先分析地震保险的作用,然后阐述根据土石坝工程地震灾害危险度和土石坝工程地震易损度得出的土石坝工程地震风险初步厘定其地震保险费率的思路,最后建议我国土石坝工程地震保险可采用国家强制性地震保险与自愿性商业地震保险相结合的模式。
The earth-rockfill dam is one of the oldest and most common type of dams.A strong earthquake will cause cracks,water leakage,landslides,liquefaction,water blasting and other risks in the dam.There have been a number of earthquake accidents or serious damages in the earth-rockfill dams at home and abroad,resulting in a substantial loss of lives and property.In this paper,the method of using earthquake insurance to transfer the earthquake risks during the construction period and the operation period is put forward.First of all,the role of earthquake insurance is analyzed,and preliminary research is done on the earthquake insurance premium rates of earth-rockfill dam projects based on earthquake risk analyses.Finally,the earthquake insurance mode combining mandatory earthquake insurance with voluntary commercial earthquake insurance is proposed.

引文

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