A Study on the Risk Distribution of Natural Hazards and the Role of Government
Publisher : Korea Insurance Research Institute
Research Area : Business Management
-
This study analyzed the data for the special policy endorsement of the storm & flood perils in the fire insurance and houseowner’s comprehensive insurance from 1993 to 2002 for the first time in Korea. This study also analyzed the trials and errors of agricultural product insurance by national agricultural cooperative federation and the governmental role in them. Based on these analyses, the proposals were made about the governmental role by focusing on the law of storm & flood insurance managed by the national emergency management agency 1. In order to deal with the anti-selection risk in voluntary insurance, the rejection of a proposal in the flood damage habitual area can be taken into consideration. 2. While the tentatively named "National Emergency Management Corporation" manages the flood insurance program, the principle of non-life insurance, such as the principle of indemnity and the principle of insurance equation, should applied. 3. It is recommended that the premium aid of the government should be limited to farmers and fishermen. 4. To initiate flood insurance, it is required that the government should play an ultimate role as a reinsurer be quaranteeing limitless provision for the damage beyond a fixed scale together with excess loss ratio reinsurance or excess amount-of-damage reinsurance. 5. The storm-and-flood map should be made to fit for the use of the insurer's underwriting.
-
[journal] / 2004 / 손보사의 자연재해보험시장 참여전략
[journal] / 2005 / 비공개 내부자료
[journal] / 2005 / 서울시정개발연구원 서울지역 강우 특성 분석을 통한 도시화 영향 평가
[journal] / 2005 / 자연재해 피해실적 통계자료
[journal] / 2005 / 풍수해보험법 제정(안
[journal] / 2004 / 외국의 자연재해보험연구 / 상명대학교
[journal] / 2003 / 한국의 대재해재난피해 보험대책 대형리스크의 대응방안과 처리대책
[journal] / 1998 / 유럽제국의 자연재해와 보험에 관한 입법과 실제 / 보험개발원
[journal] / 2003 / 자연재해와 보험 / 보험개발원
[journal] / 2000 / 자연재해보험 도입방안에 대한 소고 / 대한손해보험협회
[journal] / 2005 / 풍수해보험제도의 도입과 문제점 / 대한손해보험협회
[journal] / 2005 / 재난보험제도 도입 용역안 / 재경부한국개발연구원
[journal] / 도시가계연보 / 통계청
[journal] / 2001 / 자연재해보험제도 도입기반 구축방안 연구
[journal] / 1998 / 홍수보험제도 도입방안 연구
[journal] / 1999 / 풍수해보험제도 시행방안 연구 / _
[journal] / 2000 / 자연재해보험의 상품개발 및 운영방안 분석 / _
[journal] / 2003 / 선진외국의 보험제도 운영체제 연구 / _
[journal] / 1998 / Zur Versiherbarkeit von Hochwasserund Ueberschwemmungs-schaeden / Karlsruhe
[journal] / 1996 / The Role of Government Contracts in Discretionary Reinsurance Markets for Natural Disasters 63 (4)
[journal] / 1995 / Catastrophe Insurance System in France The Geneva Papers on risk and Insurance
[journal] / 2005 / Flood insurance: the challenge of the uninsured 37 (3)
[journal] / 2004 / Bringt Klimaaenderung die Elementar-Pflichtdeckung mit Staatsgarantie? (7) : 462~466
-
162
Viewed
Print this page
Download PDF