摘要
如何快速,有效地进行投保户洪涝灾害损失评估是保险行业急需解决的一个重要课题。从洪涝灾害的成灾机理出发,针对保险公司对具体受灾体理赔需求,提出了计算每个投保户洪灾损失率方法,建立基于遥感(RS)和地理信息系统(GIS)的城市财产保险洪涝灾害损失评估模型。建模时较全面地考虑了与投保物性质有关的承灾体易损度和与投保物所处环境有关的地基承载力等因素,并使用RS/GIS将其定量化提取。最后使用广东省深圳市洪灾数据进行模型检验。验证结果表明,模型对于各个投保户均能得到较好的精度。
One of the problems that an insurance agent wants to solve is how to carry out the flood disaster insurance loss estimation swiftly and efficiently for policyholders. According to the actual condition of insurance company, this paper investigates synthetic effects of the suffered body due to disaster, factors leading to the disasters and environment forming them, then brings forward a formula for the flood disaster insurance loss estimation ratio, so that a model for estimating flood disaster loss insurance is established. The factors, such as ground overload capacity related to the flood suffered body and the vulnerability of environment forming disaster, can be concerned and digitalized using the remote sensing and geography information system. The model is used to estimate the flood disaster loss insurance happened to the special economical zone of city Shenzhen. The result indicates that application of the model leads to the higher precision of all kinds of estimated objects.
出处
《水科学进展》
EI
CAS
CSCD
北大核心
2004年第5期670-674,共5页
Advances in Water Science
基金
国家"十五"科技攻关计划资助项目(2001BA102A05 02)~~
关键词
财产保险
洪灾损失率
遥感
地理信息系统
评估
property insurance
flood disaster loss estimation ratio
remote sensing
geographic information system
evaluation
