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題名:美國洪水保險市場失靈及其國家洪水保險制度之檢討
書刊名:東海大學法學研究
作者:吳玉鳳林建智 引用關係
作者(外文):Wu, Yu-fengLin, Jan-juy
出版日期:2014
卷期:44
頁次:頁185-243
主題關鍵詞:氣候變遷天然災害洪水保險市場失靈洪水保險費率圖標準洪水保險單格式公私協力Climate changeNatural disasterFlood insuranceMarket failureFlood insurance rate mapsStandard flood insurance policy formsPublic-private partnership
原始連結:連回原系統網址new window
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  • 被引用次數被引用次數:期刊(1) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:1
  • 共同引用共同引用:65
  • 點閱點閱:70
由於社會經濟發展與氣候變遷,全球許多地區天然災害風險增加。保險已然成為國際社會用來調適氣候變遷之重要措施。本文探討美國洪水保險市場失靈與國家洪水保險制度,發現聯邦政府介入旨在補充市場不足而非取代市場,因此採取暫時介入方式創設任意性國家洪水保險計畫(National Flood Insurance Program)。於此計畫下,政府擔任保險人供給保險並承擔責任,同時透過WYO(Write Your Own)計畫建立公私合作關係,由民營保險人提供標準洪水保險單與服務。本文亦發現國家洪水保險制度正面臨許多障礙並著手改革。美國制度及其缺失改革經驗,可以作為政府或國際組織建立或修改整合性運作機制用以調適氣候變遷風險,降低社會脆弱性與增進災害適應能力之參考。
Natural disasters risk is increasing in several regions around the world as a result of socioeconomic development and climate change. Insurance is an important adaptation measures for climate change in international community. This paper is to explore the market failure in flood insurance and the National Flood Insurance Program (NFIP) in US. It is observed that the Federal Government intends to complement the market rather than replace it. A voluntary and temporary program has therefore been created where the Government plays as the insurer to provide insurance coverage, assumes responsibility and establishes a public-private partnership through the WYO (Write Your Own) plan. Under the WYO plan, private insurers provide standard flood insurance policies and services to the citizens. It is also observed that the NFIP has confronted a number of obstacles and undertaken its reform. The lessons learned from the US system can be important for governments or international organization while designing or amending an integration mechanism to adapt climate change risk.
期刊論文
1.王文祿(20110815)。論巨災型複合性災害危機下法制再造新思維--以建立天然災害保險法制為中心。臺灣法學雜誌,182,21-38。  延伸查詢new window
2.任自力(201201)。美國洪水保險法律制度研究--兼論其變革對中國的啟示。清華法學,6(1),122-135。  延伸查詢new window
3.徐忠賢、鄧子正(20040900)。美國社區水災評價系統(CRS)之發展與應用。中央警察大學災害防救學報,5,95-126。new window  延伸查詢new window
4.鄭竹君(20121200)。美國洪水保險簡介。當代財政,24,118-120。  延伸查詢new window
5.Bruggeman, Veronique、Faure, Michael、Heldt, Tobias(2012)。Insurance against Catastrophe: Government Stimulation of Insurance Markets for Catastrophic Events。Duke Envtl. L. and Pol'y F.,23,185-241。  new window
6.Brown, Michael A.(2010)。Anything But a Breeze: Moving Forward Without NFIP Wind Coverage。B.C. Envtl. Aff. L. Rev.,37,365-392。  new window
7.Cohn, Henry S.、Rowe, Tiffany M.(2006)。Overwhelmed: The Federal Flood Insurance Act of 1956。Conn Ins. L J.,13,329-361。  new window
8.Chen, Jim(2011)。Modem Disaster Theory: Evaluating Disaster Law as a Portfolio of Legal Rules。Emory Int'l L. Rev.,25,1121-1143。  new window
9.Faure, Michael、Bruggeman, Veronique(2008)。Catastrophic Risks and First-Party Insurance。Conn. Ins. L. J.,15,1-52。  new window
10.Faure, Michael、Heine, Klaus(2011)。Insurance against Financial Crises?。NYU Journal of Law & Business,8,117-150。  new window
11.Kousky, Carolyn(2011)。Managing Natural Catastrophe Risk: State Insurance Programs in the United States。Review of Environmental Economics and Policy.,5(1),153-171。  new window
12.Luke, Charlene、Abramovsky, Aviva(2011)。Managing the Next Deluge: A Tax System Approach to Flood Insurance。Conn. Ins. L J.,18,1-72。  new window
13.Michel-Kerjan, Erwann O.(2010)。Catastrophe Economics: The National Flood Insurance Program。Journal of Economic Perspectives,24(4),165-186。  new window
14.Monti, Alberto(2009)。Climate Change and Weather-related Disasters: What Role for Insurance, Reinsurance and Financial Sectors?。Hastings W.-N.W. J. Env. L. and Pol'y,15,151-172。  new window
15.McMillan, Christine M.(2007)。Federal Flood Insurance Policy: Making Matters Worse。Hous. L. Rev.,44,472-505。  new window
16.Moreteau, Olivier(2008)。Policing the Compensation of Victims of Catastrophes: Combing Solidarity and Self-responsibility。Loy. L. Rev.,54,65-93。  new window
17.Pham, Quynh T.(2005)。The Future of the National Flood Insurance Program in the Aftermath of Hurricane Katrina。Conn. Ins. LJ.,12,629-656。  new window
18.Paudel, Youbaraj(2012)。A Comparative Study of Public-Private Catastrophe Insurance Systems: Lessons from Current Practices。Geneva Papers on Risk and Insurance-Issues and Practice,37(2),257-285。  new window
19.Richards, R. Jason(2008)。The National Flood Insurance Program: A "Flood" of Controversy。Fla. Bar. J.,82,8-18。  new window
20.Taylor, Gene(2008)。Hurricane Katrina Special Edition: Federal Insurance Reform after Katrina。Miss. LJ.,77,783-793。  new window
研究報告
1.林勳發、汪信君、張冠群、葉啟洲、曾耀鋒(201012)。強化住宅地震保險法制基礎。  延伸查詢new window
2.許晃雄。臺灣氣候變遷科學報告。  延伸查詢new window
圖書
1.熊秉元(200708)。法律經濟學開講。臺北:時報文化。  延伸查詢new window
2.付湘、王麗萍、邊瑋(200805)。洪水風險管理與保險。科學出版社。  延伸查詢new window
3.胡春田、巫和懋、霍德明、熊秉元(20100801)。經濟學:21世紀全球視野。臺北:雙葉。new window  延伸查詢new window
4.陳彩稚(2012)。保險學。三民書局。  延伸查詢new window
5.溫美珍(2005)。圖解經濟學。易博士文化。  延伸查詢new window
6.Bruggeman, Veronique(2010)。Compensating Catastrophe Victims: a Comparative Law and Economics Approach。  new window
7.Gersten, Garth、Phillips, Stevan D.、Cooper, R. Brent、Martin, Ernest Jr.、Gillon, Peter M.(2011)。Recent Developments in Disaster Coverage Litigation: Leading Lawyers on Analyzing Disputes, Evaluating Insurance Policies, and Understanding Recent Litigation Trends。  new window
8.Rejda, George E.(2012)。Social Insurance and Economic Security。  new window
9.Sylves, Richard Terry(2008)。Disaster Policy and Politics: Emergency Management and Homeland Security。  new window
10.Coppola, D. P.(2007)。Introduction to international disaster management。Amsterdam, NL:Elsevier。  new window
11.謝哲勝、莊春發、黃健彰、邵慶平、張心悌、楊智傑(2007)。法律經濟學。臺北:五南圖書。new window  延伸查詢new window
12.Pelling, Mark(2003)。Natural Disasters and Development in a Globalizing World。NY:Routledge。  new window
其他
1.Catastrophes: Insurance Issues, Insurance Information Institute,http://www.iii.org/issues_updates/catastrophes-insurance-issues.html。  new window
2.H.R. 920 (110th): Multiple Peril Insurance Act of 2007 and H.R. 1264 (111th): Multiple Peril Insurance Act of 2009, Govtrack.us.,https://www.govtrack.us/congress/bills/!11/hrl264。  new window
3.Risk Management Approaches to Address Adverse Effects of Climate Change Insurance,http://unfccc.int/cooperation_support/response_measures/items/4971.php。  new window
4.Standard Flood Insurance Policy Forms,http://www.fema.gov/national-flood-insurance-program/standard-flood-insurance-policy-forms。  new window
5.The National Flood Insurance Program,http://www.fema.gov/national-flood-insurance-program。  new window
6.U.S. Government Accountability Office, National Flood Insurance Program: New Processes Aided Hurricane Katrina Claims Handling, but FEMA's Oversight Should Be Improved,http://www.gao.gov/new.items/d07169.pdf。  new window
7.What's Covered,http://www.floodsmart.gov/floodsmart/pages/residentialcove rage/whats covered.jsp。  new window
圖書論文
1.卓志(201110)。風險感知、個人抉擇與公共政策--基於巨災風險管理制度完善與創新的視角。巨災風險管理與保險制度創新研究。西南財經大學。  延伸查詢new window
2.高海霞、王學冉(201110)。巨災保險市場中的委託代理關俾研討。巨災風險管理與保險制度創新研究。西南財經大學。  延伸查詢new window
3.Bals, Christoph(2006)。Insuring the Uninsurable: Design Options for A Climate Change Funding Mechanism。Gurenko, Climate Change and Insurance: Disaster Risk Financing in Developing Countries。  new window
4.Dlugolecki, Andrew、Hoekstra, Erik(2006)。The Role of the Private Market in Catastrophe Insurance。Climate Change and Insurance: Disaster Risk Financing in Developing Countries。  new window
5.Gurenko, Eugene N.(2008)。The Role of Government in Provision of Catastrophe Insurance。Asian Catastrophe Insurance。  new window
6.Harrington, Scott E.(2006)。Rethinking Disaster Policy After Hurricane Katrina。On Risk and Disaster: Lessons from Hurricane Katrina。  new window
7.Kunreuther, Howard(2006)。Has the Time Come for Comprehensive Natural Disaster Insurance?。On Risk and Disaster: Lessons from Hurricane Katrina。  new window
8.Kunreuther, Howard(2008)。Catastrophe Insurance: Challenges for the US and Asia。Asian Catastrophe Insurance。  new window
9.Kunreuther, Howard(2010)。The Case for Comprehensive Disaster Insurance。Disaster Law。  new window
10.Kunreuther, Howard(2010)。Mitigating Disaster Losses through Insurance。Disaster Law。  new window
11.Linnerooth-Bayer, Joanne、Mechler, Reinhard(2006)。Insurance for Assisting Adaptation to Climate Change in Developing Countries: A Proposed Strategy。Climate Change and Insurance: Disaster Risk Financing in Developing Countries。  new window
12.Moreteau, Olivier(2007)。Policing the Compensation of Victims of Catastrophes: Combining Solidarity and Self-responsibility。Shifts in Compensation between Private and Public Systems。  new window
13.Ogus, Anthony(2007)。Shifts in Governance for Compensation to Damage: A Framework for Analysis。Shifts in Compensation between Private and Public Systems。  new window
14.Priest, George L.(2010)。The Government, the Market, and the Problem of Catastrophic Loss。Disaster Law。  new window
15.Ryland, Harvey G.(2006)。Providing Economic Incentives to Build Disaster-Resistant Structures。On Risk and Disaster: Lessons from Hurricane Katrina。  new window
16.Schwarze, Reimund、Wagner, Gert G.(2010)。In the Aftermath of Dresden: New Directions in German Flood Insurance。Disaster Law。  new window
17.Trebilcock, Michael J.、Daniels, Ronald J.(2006)。Rationales and Instruments for Government Intervention in Natural Disasters。On Risk and Disaster: Lessons from Hurricane Katrina。  new window
18.Van den Bergh, Roger、Faure, Michael(2010)。Compulsory Insurance of Loss to Property caused by Natural Disasters: Competition or Solidarity?。Disaster Law。  new window
19.Van Langendonck, Jef(2007)。International Social Insurance for Natural Disaster?。Shifts in Compensation between Private and Public Systems。  new window
20.Wagner, Gerhard(2007)。Uninsurability and the Choice between Market Insurance and Public Compensation Systems。Shifts in Compensation between Private and Public Systems。  new window
21.Flood Insurance Subcommittee of the American Academy of Actuaries。The National Flood Insurance Program: Past, Present and Future?。  new window
 
 
 
 
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