損失に対する主観金額を考慮した地震保険の最適化  [in Japanese] OPTMIZATION OF EARTHQUAKE INSURANCE CONSIDERING SUBJECTIVE LOSS  [in Japanese]

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Abstract

保険による損失移転の範囲は免責と支払い限度により設定されることが一般的である. 本論文は, 被保険者にとって最適な地震保険の評価方法を示した. この方法は, 地震損失の確率関数を評価することで, 免責と支払い限度にもとづく被保険者および保険会社の損失を定量的に示すことができる. また, 評価方法は, 損失に対する主観金額を考慮することで, 被保険者が許容できる保険料の条件を示すことができ, その条件で損失が最小となる免責および支払い限度を評価するものである. 適用性の検討と地震保険の効果は, 事務所ビルを対象とした数値解析により示した.

In this paper, a method of optimization of risk transfer due to earthquake insurance is proposed, which is aimed to be used for a countermeasure of disaster prevention. In this method, a risk is defined by annual expected loss considering a coverage of insurance and an acceptable premium. The coverage of insurance is determined by deductible and limit, and the loss of insured and insurance company can be evaluated in probability mass function with its coverage. Also the acceptable premium can be provided by the function of loss considering subjectivity of decision-makers. The optimal risk transfer is showed by deductible and limit which minimize the risk of insured. The effectiveness of risk transfer and the validity of the proposed method is demonstrated through the numerical example.

Journal

  • Doboku Gakkai Ronbunshu

    Doboku Gakkai Ronbunshu 703, 203-210, 2002-04-21

    Japan Society of Civil Engineers

References:  10

Cited by:  4

Codes

  • NII Article ID (NAID)
    10008219971
  • NII NACSIS-CAT ID (NCID)
    AN10014020
  • Text Lang
    JPN
  • Article Type
    Journal Article
  • ISSN
    02897806
  • NDL Article ID
    6155595
  • NDL Source Classification
    ZN1(科学技術--建設工学・建設業)
  • NDL Call No.
    Z16-6
  • Data Source
    CJP  CJPref  NDL  J-STAGE 
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