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本文在精算理论和决策理论基础上讨论了巨灾风险的可保性问题,认为巨灾风险不符合标准理想状态下的精算理论的可保风险,而决策理论拓展了可保风险的标准,并提供了巨灾保险经营的工具和技术。然而私人保险市场虽然对巨灾风险实现了一定的分散和转移,但仍存在很大缺陷——即“市场失灵”。最后通过分析私人巨灾保险市场失灵的原因,提出了政府干预——巨灾可保风险的另一种拓展。
This paper discusses the insurability of catastrophe risk based on actuarial theory and decision theory. It considers that catastrophe risk does not accord with the insurable risk of actuarial theory in standard ideal state, and decision theory expands the standard of insurable risk Provided catastrophe insurance management tools and technologies. However, although the private insurance market has achieved a certain degree of dispersion and transfer of catastrophe risks, there is still a big flaw - that is, “market failure”. Finally, through the analysis of the causes of the failure of the private catastrophe insurance market, it puts forward another kind of expansion of government intervention - catastrophe insurable risk.