论文标题
自然灾害指数
A Natural Disasters Index
论文作者
论文摘要
自然灾害，例如龙卷风，洪水和野火构成生命和财产的风险，需要保险公司的干预。气候变化最明显的后果之一是极端天气事件的强度和频率增加。这些灾难的相对优势远远超出了惯常的季节性最大最大值，通常会导致财产损失增加。因此，应修改保险单以忍受日益波动的灾难性天气事件。我们提出了一种自然灾害指数（NDI），以根据美国国家海洋和大气管理局发布的“风暴数据”，以造成美国自然灾害造成的财产损失。提出的NDI试图构建一种金融工具来对冲内在风险。 NDI旨在预测未来风险的程度，这些风险可能会预示保险公司和公司，允许他们将保险风险转移给资本市场投资者。该指数也可以修改为其他地区和国家。
Natural disasters, such as tornadoes, floods, and wildfire pose risks to life and property, requiring the intervention of insurance corporations. One of the most visible consequences of changing climate is an increase in the intensity and frequency of extreme weather events. The relative strengths of these disasters are far beyond the habitual seasonal maxima, often resulting in subsequent increases in property losses. Thus, insurance policies should be modified to endure increasingly volatile catastrophic weather events. We propose a Natural Disasters Index (NDI) for the property losses caused by natural disasters in the United States based on the "Storm Data" published by the National Oceanic and Atmospheric Administration. The proposed NDI is an attempt to construct a financial instrument for hedging the intrinsic risk. The NDI is intended to forecast the degree of future risk that could forewarn the insurers and corporations allowing them to transfer insurance risk to capital market investors. This index could also be modified to other regions and countries.
