자연재해위험의 위험분산과 정부의 역할에 대한 연구

Abstract

This study analyzed the data for the special policy endorsement of the storm & flood perils in the fire insurance and houseowner’s comprehensive insurance from 1993 to 2002 for the first time in Korea. This study also analyzed the trials and errors of agricultural product insurance by national agricultural cooperative federation and the governmental role in them. Based on these analyses, the proposals were made about the governmental role by focusing on the law of storm & flood insurance managed by the national emergency management agency 1. In order to deal with the anti-selection risk in voluntary insurance, the rejection of a proposal in the flood damage habitual area can be taken into consideration. 2. While the tentatively named "National Emergency Management Corporation" manages the flood insurance program, the principle of non-life insurance, such as the principle of indemnity and the principle of insurance equation, should applied. 3. It is recommended that the premium aid of the government should be limited to farmers and fishermen. 4. To initiate flood insurance, it is required that the government should play an ultimate role as a reinsurer be quaranteeing limitless provision for the damage beyond a fixed scale together with excess loss ratio reinsurance or excess amount-of-damage reinsurance. 5. The storm-and-flood map should be made to fit for the use of the insurer's underwriting.