Property Insurance in Risk Regions of Debris Flows
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 InRe(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.
The principal-agent theory Debris flow Risk assessment Property insurance Mohong basin
Mingtao Ding Fangqiang Qing Wang
School of Environment and Resources, Southwest University of Science and Technology, Mianyang 621010 Institute of Mountain Hazards and Environment, Chinese Academy of Sciences,Chengdu 610041, China Key School of Environment and Resources, Southwest University of Science and Technology, Mianyang 621010
国际会议
The 2nd International Conference on Risk Analysis and Crisis Response(第二届风险分析与危机反应国际学术研讨会)
北京
英文
550-556
2009-10-19（万方平台首次上网日期，不代表论文的发表时间）