灾害学2016，Vol.31Issue(3)：1-7,19,8.DOI:10.3969/j.issn.1000-811X.2016.03.001
我国建筑物地震保险制度及保险费率厘定研究
Study on the Earthquake Insurance System and Determination of Insurance Premium Rate of Buildings in China
摘要
Abstract
Based on the international mature insurance system,we discuss an earthquake insurance system which adapts to China national condition from several aspects:the role of government,the way of popularization, the way of sale,the insured amount,deductible and the coverage of insurance policy etc.Based on the seismic hazard,structural vulnerability and the earthquake loss,the earthquake insurance ratemaking is conducted using the earthquake engineering method,and how to consider the seismic hazard properly and the chosen reason of ana-lytical calculation method of structural vulnerability are explained in this paper.Finally,576 seismic fragility curves of reinforced concrete frame structure which consider the difference of the structural height,the fortification intensity,the construction year and the design code are used to calculate the premium rate of structure,decoration and property.Compared with the existed seismic premium rate,the reasonability of the ratemaking method pro-posed in this paper is being demonstrated.关键词
地震保险制度/政府角色/费率厘定/地震危险性/结构易损性Key words
earthquake insurance system/governmental role/ratemaking/seismic hazard/structural vulner-ability分类
资源环境引用本文复制引用
郑山锁,相泽辉,郑捷,郑膗,孙龙飞..我国建筑物地震保险制度及保险费率厘定研究[J].灾害学,2016,31(3):1-7,19,8.基金项目
国家科技支撑计划（2013BAJ08B03）；教育部高等学校博士学科点专项科研基金（20136120110003）；陕西省科研项目 （）
