灾害学2016，Vol.31Issue(2)：106-110,5.DOI:10.3969/j.issn.1000-811X.2016.02.021
地质灾害保费及其实证研究--以湖南省娄底市为例
Geological Hazard Premium and its Empirical Study-A Case Study of Loudi City in Hunan Province
摘要
Abstract
Risk losses of geological disasters are simulated by stochastic simulation technique.Using the Val-ue at risk (VaR)method to calculate premium scale in each risk area,and in order to study geological disaster in-surance prices,we use the control variable method to research the insured rate influence on the price of insurance. The empirical study takes the geological disaster loss of as the research sample in Loudi City during 2008 -2013. By calculating the total premium and the premium per capita in the risk area and the results show that the premium is acceptable.At the same time,it can reflect the risk and the higher the risk,the higher the premium.Insurance rate is one of the important factors that affect the premium.The premium rate increase with the rate.关键词
地质灾害/保费/在险价值/VaR 方法/随机模拟Key words
geological hazard/premium/value at risk/VaR method/stochastic simulation分类
资源环境引用本文复制引用
欧阳迪飞,谷玉,甘柳,李应求..地质灾害保费及其实证研究--以湖南省娄底市为例[J].灾害学,2016,31(2):106-110,5.基金项目
国家自然科学基金项目（11571052，11171044）；湖南省国土资源科技项目（2013－28）；长沙理工大学研究生科研创新项目 （）
