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題 名 | 臺灣地區綜合天然災害保險規劃之探討=Insurance Program for Natural Catastrophe in Taiwan |
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作 者 | 李珍穎; 張瑞益; | 書刊名 | 中華技術學院學報 |
卷 期 | 26 2003.04[民92.04] |
頁 次 | 頁343-359 |
分類號 | 563.75 |
關鍵詞 | 風險證券化; 險種間分散; 再保險; 綜合天然災害保險; Risk Securitization; Hazard spread; Reinsurance; Comprehensive natural disaster insurance; |
語 文 | 中文(Chinese) |
中文摘要 | 臺灣地處亞熱帶、大陸板塊交界處,颱風、洪水、地震等天然災害發生次數頻繁,加上經濟之發展,人口密度的增加,資產的快速集中與累積,使各種天然災害所造成的經濟損失大幅提高,近來部份先進國家以保險之手段並結合風險管理之損害防阻與風險理財的財務功能理天然風險,成功地保障人民財產安全,減輕國家財政之負擔,更達成資源合理之分配。 本文擬從天然災害之特色,探討綜合天然災害保險之規劃,而綜合天然災害事故(地震、颱風、洪水、土石流等事故)之保險經營規劃,籍由險種間之分散,增加危險單位及保費數量,以擴大保險之經營基礎,從而減少損失波動之幅度,建立風險管理與保險相輔相成之機制,將損害防阻之功能納入保險體系及政府、保險市場、資本市場三方面之結合,運用巨災債券及再保險連結保險市場與資本市場,來提供提財務支援,並以政府作為最後財務保證之危險承擔機制。 |
英文摘要 | Taiwan is located in the area where highly exposed to the attack from natural disasters such as typhoon, flood and earthquake. The loss of severity is increasing due to the condensed and accumulate property value from developing economics and growing population. Some develop countries successfully secure the property for the public form catastrophe by insurance arrangement, together with loss prevention and risk financing. A well-organized insurance program includes a number of natural perils (earthquake、typhoon、flood--ect) coverage within a single policy and system. The system creates a broader spread of loss over an expanded premium base. It is believed that a comprehensive insurance program for natural disaster can be accomplished by the contribution from government. Private insurance industry and capital market, together with reinsurance arrangement and usage of catastrophe bond. Eventually, government should play the role as the final risk carrier. |
本系統中英文摘要資訊取自各篇刊載內容。