| 风险模型在洪水保险理赔中的对比研究 |
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| 引用本文： | 付湘,纪昌明.风险模型在洪水保险理赔中的对比研究[J].水电能源科学,2004,22(3):40-43. |
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| 作者姓名： | 付湘 纪昌明 |
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| 作者单位： | 1. 武汉大学,水利水电学院,湖北,武汉,430072
2. 华北电力大学,北京,100053 |
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| 基金项目： | 国家自然科学青年基金项目(50209011)，武汉大学科技创新基金，河海大学水资源开发教育部重点实验室开放基金。 |
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| 摘 要： | 运用保险精算学原理，以我国典型蓄滞洪区为研究对象，建立了确定洪水保险损失的短期个别风险模型与短期聚合风险模型，对保险标的分洪损失及蓄滞洪区的运用几率进行定量研究，从而计算出保险公司在一定时期内可能发生的理赔总量的分布情况；并应用实例分析了两个模型间的关系。为确定不同区域风险损失、保险费率的厘定及保险经营的稳定性提供依据。
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| 关 键 词： | 个别风险模型 聚合风险模型 蓄滞洪区 理赔总量 复合泊松分布 |
| 文章编号： | 1000-7709(2004)03-0040-04 |
| 修稿时间： | 2004年7月5日 |
Comparative Study of Risk Model in Flood Insurance |
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| FU XiangJI Chang-ming.Comparative Study of Risk Model in Flood Insurance[J].International Journal Hydroelectric Energy,2004,22(3):40-43. |
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| Authors: | FU XiangJI Chang-ming |
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| Affiliation: | FU Xiang~1JI Chang-ming~1 |
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| Abstract: | The actuarial mathematics is used to set up individual risk model and collective risk model, studing the flood damages of the flood storage and detention basin. The damage of objective of insurance and operative probability of the flood storage and detention basin are researched quantitively, Then the distribution of the claim size is worked out. Moreover, the relationship between two risk models is analyzed with an example. The research results can provide basis for estimation of regional flood damage and calculation of the premium rate and stability of insurance operation. |
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| Keywords: | individual risk model collective risk model flood storage and detention basin claim size compound Poisson distribution |
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