【摘要】：中國是世界上自然災害頻發(fā)、巨災損失最為嚴重的國家之一。隨著全球氣候變暖，我國各類災害的突發(fā)性、異常性、難以預見性日顯突出，災害損失持續(xù)加重，自然災害已經(jīng)成為制約我國經(jīng)濟社會發(fā)展的重要因素之一。而我國保險公司對于巨災風險往往采取限制承保的政策，企業(yè)和家庭參加保險的比例過低，保險在災害補償中的作用遠未發(fā)揮出來。 基于以上事實，本文把巨災風險作為研究對象，首先深入分析巨災風險的風險特性，了解巨災的特征和種類，探討風險事故和地區(qū)脆弱性對于事故損失的影響。對經(jīng)典的可保風險理論進行闡述，，辯證分析巨災風險與可保風險之間的關(guān)系，找到巨災風險可保化的理論途徑，再介紹了國外在巨災可保性方面的實踐。運用層次分析法評判構(gòu)建承保模式的關(guān)鍵因素重要性，從而對設(shè)計巨災保險承保模式提供建設(shè)性參考。最后設(shè)計巨災保險承保模式，對本文的研究做以驗證。 積極引入保險機制參與巨災風險的風險管理，能夠完善災害防范和救助體系，增強全社會抵御風險的能力，對于促進經(jīng)濟又好又快發(fā)展起到重大作用。
[Abstract]:China is one of the countries with frequent natural disasters and the most serious catastrophe losses in the world. With the global warming, all kinds of disasters in China are sudden, unusual, difficult to predict, disaster losses continue to increase, natural disasters have become one of the important factors restricting the economic and social development of our country. However, the insurance companies of our country often take the policy of limiting insurance coverage for catastrophe risk. The proportion of enterprises and households participating in insurance is too low, and the role of insurance in disaster compensation is far from being played. Based on the above facts, this paper regards catastrophe risk as the object of study. Firstly, the risk characteristics of catastrophe risk are deeply analyzed, the characteristics and types of catastrophe are understood, and the influence of risk accident and regional vulnerability on accident loss is discussed. This paper expounds the classical theory of insurable risk, dialectically analyzes the relationship between catastrophe risk and insurable risk, finds out the theoretical approach to the insurability of catastrophe risk, and introduces the practice of catastrophe insurability abroad. AHP is used to evaluate the importance of key factors in the construction of insurance model, which provides a constructive reference for the design of catastrophe insurance model. Finally, the catastrophe insurance underwriting model is designed to verify the research in this paper. Actively introducing insurance mechanism to participate in the risk management of catastrophe risk can improve the disaster prevention and rescue system, strengthen the ability of the whole society to resist risks, and play an important role in promoting the sound and rapid development of economy.
【學位授予單位】：沈陽航空航天大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.6;F224

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