このアイテムの引用には次の識別子を使用してください: http://hdl.handle.net/10965/1368
タイトル: The Impact of Insurance on a Sustainable Society Exposed to Natural Disaster Risks
その他のタイトル: 持続的社会の実現に向けた自然災害保険プログラムのあり方に関する考察
著者: SUZAWA, Yoshihiko
SCORDIS, Nicos A.
諏澤, 吉彦
SCORDIS, Nicos A.
主題: Sustainable Society;Natural Disaster Insurance;Insurability of Risk
発行日: 2014-09
出版者: 京都産業大学マネジメント研究会
抄録: Natural disasters caused by seismic activity and extreme weather events have an increasingly significant impact. This rise is, at least partly, attributed to global warming and/or economic growth in disasterprone areas. Despite the encouragement by the Principles for Sustainable Insurance (PSI) suggesting that insurers finance macroeconomic risk, it is challenging for the private market alone to do so. A viable alternative is to finance macroeconomic risk through collaborations between insurers and governments (or other public institutions). We examine model plans of such private-public partnerships currently operating in Asia, North America, and Europe. We identify commonalities in the different plans including coverage limitations, government-sponsored reinsurance, strict rate regulation, and compulsory participation. We conclude that the plans contain features complementary to the insurability-of-risk concept and that they preserve the availability of insurance coverage. These features, however, exacerbate basis risk, encourage excessive development in high-risk locations, and increase the cost of screening uninsured exposures. We also observe that attempts to improve on one attribute of the plan create problems in other attributes. Finally, we offer suggestions for improving the design of public-private insurance plans.
URI: http://hdl.handle.net/10965/1368
ISSN: 1347-5304
出現コレクション:第25号

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