Regressivity in Public Natural Hazard Insurance: a Quantitative Analysis of the New Zealand Case
Regressivity in Public Natural Hazard Insurance: a Quantitative Analysis of the New Zealand Case
复制标题
公共自然灾害保险的回归性：新西兰案例的定量分析
DOI：
10.1007/s41885-019-00043-1
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发表时间：
2019
期刊：
影响因子：
--
通讯作者：
Ilan Noy
中科院分区：
文献类型：
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作者：
S. Owen;Ilan Noy
自然灾害保险几乎总是由公共部门提供（直接或通过公私伙伴关系间接提供）。鉴于公共部门在灾害保险中的这种主导作用，以及经济动态中冲击的重要性，令人惊讶的是，在设计灾害保险时，公平问题没有受到更多的审查。我们量化的回归性的性质以前没有被确定过。我们提供了一个详细的量化新西兰地震保险计划的回归程度-一个系统，设计了一个平等的目的。我们衡量这种回归性，因为它表现在2011年坎特伯雷地震导致的50万起保险索赔中。我们建议如何通过修改计划的结构来弥补这种回归性，并指出国际上其他保险计划也可能是回归性的。
Natural hazard insurance is almost always provided by the public sector (directly, or indirectly through public-private partnerships). Given this dominant role of the public sector in hazard insurance, and the importance of shocks in economic dynamics, it is surprising that equity issues have not faced more scrutiny with respect to the design of hazard insurance. The nature of the regressivity we quantify has not been previously identified. We provide a detailed quantification of the degree of regressivity of the New Zealand earthquake insurance program – a system that was designed with an egalitarian purpose. We measure this regressivity as it manifested in the half a million insurance claims that resulted from the Canterbury earthquakes of 2011. We suggest how this regressivity can be remedied with modifications to the programs’ structure, and point to how other insurance schemes internationally are likely to also be regressive.
DOI：
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发表时间：
2003
期刊：
The Journal of Tokyo Keizai University No.232
影响因子：
--
作者：
YONEYAMA;Takau
通讯作者：
Takau