[1]李时,秦毅,刘强,等.资料不充分地区的洪水保险研究[J].自然灾害学报,2020,29(03):186-192.[doi:10.13577/j.jnd.2020.0320]
 LI Shi,QIN Yi,LIU Qiang,et al.Study on flood insurance in areas with insufficient data[J].,2020,29(03):186-192.[doi:10.13577/j.jnd.2020.0320]
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资料不充分地区的洪水保险研究
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《自然灾害学报》[ISSN:/CN:23-1324/X]

卷:
29
期数:
2020年03期
页码:
186-192
栏目:
出版日期:
2020-06-28

文章信息/Info

Title:
Study on flood insurance in areas with insufficient data
作者:
李时1 秦毅1 刘强1 刘哲2 程道君2 赵英虎2
1. 省部共建西北旱区生态水利国家重点实验室(西安理工大学), 陕西 西安 710048;
2. 天津市水务局, 天津 300074
Author(s):
LI Shi1 QIN Yi1 LIU Qiang1 LIU Zhe2 CHENG Daojun2 ZHAO Yinghu2
1. State Key Laboratory of Eco-hydraulics in Northwest Arid Region of China(Xi’an University of Technology), Xi’an, 710048, China;
2. Tianjin Water Authority, Tianjin 300074, China
关键词:
洪水保险资料不充分地区保险费率洪灾损失分布类型投保限额
Keywords:
flood insurancearea with insufficient datapremium rateflood lossdistribution typeinsurance limit
分类号:
X43
DOI:
10.13577/j.jnd.2020.0320
摘要:
洪水保险是利用投保人缴纳并累积的保险费用去补偿洪水灾害造成的损失的一种洪水风险分散机制。我国现已全面完成的洪水风险图试点工作为洪水保险研究提供了基础,为缺乏历年洪灾损失资料的地区提供了特定频率洪灾损失。针对这种资料不充分地区,提出了基于特定频率洪水的经济损失通过规划求解工具比选其最优分布类型,推求洪水保险费率与保费的方法。该方法可作为我国洪水风险图推广应用的范例,将其推广使用到各保护区与蓄滞洪区。以大黄堡洼蓄滞洪区为例,通过误差分析确定大黄堡洼蓄滞洪区洪灾损失更符合皮尔逊Ⅲ型曲线。按不同财产类型厘定洪水保险费率,居民财产、农业、工业与商业分别为5.109%、9.020%、6.109%、5.459%,所需缴纳保费分别为766元、2706元、5498元、4914元。
Abstract:
Flood insurance is a kind of flood risk dispersion mechanism, which uses the insurance premium paid and accumulated by the insured to compensate the losses caused by flood disasters. The pilot work of flood risk map in China has been completed comprehensively, which provides the foundation for flood insurance research and provides specific frequency flood losses for the areas lacking historical flood loss data. Aiming at this kind of area with insufficient data, a method of calculating flood premium rate and insurance premium is proposed by comparing the optimal distribution type of specific frequency flood economic losses with the programming solver tool. This method can be used as an example of the popularization and application of flood risk maps in China and it can be extended to various protected areas and flood detention areas. Taking the Dahuangpuwa flood detention area as an example, through the error analysis to determine that flood loss in Dahuangpuwa flood detention area is more in line with the Pearson-Ⅲ curve. The flood insurance premium rate was determined according to different types of property, the premium rates for residential property, agriculture, industry and commerce are 5.109%, 9.020%, 6.109% and 5.459%, respectively. And the insurance premiums required are ¥766, ¥2,706, ¥5,498 and ¥4,914, respectively.

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备注/Memo

备注/Memo:
收稿日期:2019-01-03;改回日期:2019-09-30。
基金项目:国家自然科学基金项目(51679184);天津市水务局科研专项(KY2015-10)
作者简介:李时(1990-),男,博士研究生,主要从事水文学及水资源研究.E-mail:lishi0@163.com
通讯作者:秦毅(1959-),女,教授,博士,主要从事水文水资源及河流泥沙研究.E-mail:13571991500@126.com
更新日期/Last Update: 1900-01-01