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本文通过收集全球地震灾害发生的数据,归纳出全球地震的变化趋势和规律。在此基础上概述了我国地震活动规律和地震带分布特征,并引用稳定分布函数分析了地震损失具有右偏、厚尾、长尾特性,解释了我国地震保险供需矛盾的原因。最后描述了我国财产保险公司对地震风险的控制思路,提出了由政府干预解决市场失灵问题的具体建议。
This paper summarizes the trends and laws of global earthquakes by collecting the data of earthquakes in the world. On this basis, the law of seismic activity in our country and the distribution of seismic belt are summarized. The stability distribution function is used to analyze the characteristics of seismic loss with right deviation, thick tail and long tail. The reason for the contradiction between supply and demand of earthquake insurance in China is explained. Finally, it describes the control thought of China’s property insurance companies on the earthquake risk and puts forward the concrete proposal of government intervention to solve the market failure.