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Risk Management Roles of the Public and Private Sector

机译:公共部门和私营部门的风险管理作用

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摘要

Insurance is an essential component of household and community resilience. It protects insureds financially against disaster losses, can encourage investments in cost-effective mitigation measures through premium reductions, and facilitates the rebuilding of property and long-term recovery. Private insurers face challenges in providing full protection against disasters. This has led governments around the world to create a variety of public insurance entities, often designed as public-private partnerships. At a November 2016 workshop, "Improving Disaster Financing: Evaluating Policy Interventions in Disaster Insurance Markets," participants evaluated disaster insurance programs for flood, earthquake, and terrorism losses. This article synthesizes six papers and findings from the workshop and suggests ways to improve public-private partnerships for disaster financing in three interrelated areas: (1) risk communication, (2) risk reduction, and (3) risk transfer. It concludes with a proposal for a comprehensive insurance program that could harness the benefits of both the public and private sectors.
机译:保险是家庭和社区弹性的重要组成部分。它可以在财务上保护被保险人免受灾难损失的影响,可以通过降低保险费来鼓励对具有成本效益的缓解措施进行投资,并促进财产的重建和长期恢复。私人保险公司在提供全面防灾保护方面面临挑战。这导致世界各国政府创建了各种公共保险实体,通常被设计为公私合营。在2016年11月的研讨会上,“改善灾害融资:评估灾害保险市场中的政策干预”,参与者评估了洪水,地震和恐怖主义损失的灾害保险计划。本文综合了该研讨会的六篇论文和调查结果,并提出了在三个相互关联的领域中改善灾害融资的公私伙伴关系的方法:(1)风险沟通,(2)降低风险和(3)风险转移。最后提出了一项综合保险计划的建议,该计划可以利用公共部门和私营部门的利益。

著录项

  • 来源
    《Risk management and insurance review》 |2018年第1期|181-204|共24页
  • 作者单位

    Policy Research and Engagement, Risk Management and Decision Processes Center, Wharton School, University of Pennsylvania;

    Policy Research and Engagement, Risk Management and Decision Processes Center, Wharton School, University of Pennsylvania;

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