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Property Insurance in Risk Regions of Debris Flows

机译:泥石流危险区域的财产保险

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摘要

This paper takes the Mohong basin as a case study to analyze the insurance premium of debris-flow disaster in the basin. Based on the risk assessment, this paper adopts the principal-agent theory and uses the risk degree of debris flow as an important index to build the insurance model. And the insurance model based on the principal-agent theory is got, i.e. δ=P/pT In[R'e(p△T) + (1-R')].The premium of Mohong basin is calculated as 3.205%. with that model. Finally, this paper has some discussion on the model and mechanism of property insurance in risk regions of debris flows, which aims to provide a new idea and technical support for insurance company to participate in the disaster prevention and reduction.
机译:本文以墨洪盆地为例,对该流域泥石流灾害的保险费进行了分析。本文在风险评估的基础上,采用委托-代理理论,以泥石流的风险度为重要指标,建立了保险模型。得出了基于委托代理理论的保险模型,即δ= P / pT In [R'e(p△T)+(1-R')]。墨洪盆地保费为3.25%。用那个模型。最后,对泥石流危险地区财产保险的模式和机制进行了探讨,旨在为保险公司参与防灾减灾提供新的思路和技术支持。

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