Can insurance catalyse government planning on climate? Emergent evidence from Sub-Saharan Africa
Can insurance catalyse government planning on climate? Emergent evidence from Sub-Saharan Africa
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保险能否促进政府气候规划？
DOI：
10.1016/j.worlddev.2022.105830
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发表时间：
2022
影响因子：
6.9
通讯作者：
Surminski S
中科院分区：
文献类型：
--
作者：
Surminski S
本文探讨了在保险相关活动背景下产生的气候风险信息如何支持公共气候适应规划。核心贡献是概述相关的气候风险信息如何转化为行为变化，以及影响撒哈拉以南非洲的驱动因素和障碍。保险业有潜力通过现有的保险交易或通过能力建设和对数据共享与合作的投资，促进更多地利用气候信息。我们从两个角度研究气候风险信息和保险流程的相互作用：提供保险的人使用气候风险数据-将信息作为承保流程的输入;以及保险对政府走向预期气候风险管理的催化剂作用。我们采用多方法的方法，结合了对40位保险专家进行的调查的见解，以及来自三个互补案例研究的关键知情人访谈和文件分析：南非私人资产的独立保险;马拉维的参数主权风险池;坦桑尼亚的风险分析和风险管理建议（无保险）合作。分析提供了一个新的视角，保险的催化剂作用，通过关注的方式，政治经济因素，特别是激励和关系，影响这一进程。总体而言，保险公司和政府之间似乎有明确的动态互动空间，共生使用和生成气候风险信息可以促进共同目标。然而，这一雄心面临着许多挑战，这些挑战超出了数据的可用性和适用性。即使存在风险意识和管理气候风险的总体动机，但信任有限、风险所有权不明确和/或缺乏激励措施仍是主要障碍。这三个案例表明，持续的跨部门合作和能力建设对于提高对保险相关气候风险信息的认识和利用至关重要。
This paper explores how climate risk information produced in the context of insurance-related activities can support public climate adaptation planning. The central contribution is to outline how relevant climate risk information can translate into behaviour change, and the drivers and barriers that influence this in Sub-Saharan Africa. The insurance industry has the potential to catalyse greater use of climate information, either through existing insurance transactions or through capacity building and investment in data sharing and collaboration. We investigate the interplay of climate risk information and insurance processes from two angles: the use of climate risk data by those who provide insurance – with information as an input to the underwriting process; and the catalyst role of insurance for governments to move towards anticipatory climate risk management. We apply a multi-method approach, combining insights from a survey of 40 insurance experts with key informant interviews and document analysis from three complementary case studies: indemnity-based insurance of private assets in South Africa; parametric sovereign risk pool in Malawi; and collaboration on risk analytics and risk management advice (no insurance) in Tanzania. The analysis offers a new perspective on the catalyst role of insurance by focusing on the ways in which political economy factors, particularly incentives and relationships, influence this process. Overall, there appears to be clear scope for a dynamic interaction between insurers and governments where symbiotic use and generation of climate risk information can advance mutual goals. However, that ambition faces many challenges that go beyond availability and suitability of data. Limited trust, unclear risk ownership and/or lack of incentives are key barriers, even if there is risk awareness and overall motivation to manage climate risks. The three cases show the importance of sustained cross-sectoral collaboration and capacity building to increase awareness and utilization of insurance-related climate risk information.
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