CAJ | 학술논문

自然灾害保险是灾后恢复与重建最有效的经济手段．研究表明只要在足够大的地域采取强制性的保险政策，并建立科学的风险分散机制和保险模式，自然灾害保险是完全可行的．本文通过构建由潜在受灾者（投保人）、直接保险公司、再保险公司、资本市场和政府巨灾风险保障基金五类主体组建的串联式风险分散机制和保险模式，运用期望效益原理建立相应的相互串联的保险数学模型，提出了比较科学的保险保费计算新方法，通过对湖南灾害保险保费进行实例测算，进一步论证了该方法具有很强的可行性．
자연재해보험시재후회복여중건최유효적경제수단．연구표명지요재족구대적지역채취강제성적보험정책，병건립과학적풍험분산궤제화보험모식，자연재해보험시완전가행적．본문통과구건유잠재수재자（투보인）、직접보험공사、재보험공사、자본시장화정부거재풍험보장기금오류주체조건적천련식풍험분산궤제화보험모식，운용기망효익원리건립상응적상호천련적보험수학모형，제출료비교과학적보험보비계산신방법，통과대호남재해보험보비진행실례측산，진일보론증료해방법구유흔강적가행성．
Natural disaster insurance is the most effective economic instruments of post-dis- aster rehabilitation and reconstruction. Studies have shown that as long as the region is large enough to take the mandatory insurance policy, and establish a scientific mechanism for risk diversification and insurance patterns, natural disaster insurance is feasible. By building from the potential victims （the insured）, direct insurance companies, reinsurance companies, capital markets and government risk protection fund established in series five of the main mechanisms of risk diversification and insurance models, the use of expectations of mutual benefit principle to establish the appropriate series mathematical model of the in- surance presented a relatively new scientific method of calculating insurance premiums. This is proved completely feasible through evidence.