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고객의소리

고객상담전화: 063-856-1038~9

자유게시판

고객의소리 자유게시판

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제목
본 연구에서는 CRS(홍수 위험 보상 제도)의 교차 보조가 미국 전역에 어떻게 분배되는지 살펴보고, 어떤 지역이 CRS의 혜택을 받고 어떤 지역이 보험계리 원칙에 따라 홍수 보험료를 과다하게 지불하고 있는지 분석합니다. 보험 계약자 수준의 데이터를 활용하여 각 보험 계약 내 CRS 프로그램의 비용을 분리해냅니다. 또한, 위험 등급 2.0(Risk Rating 2.0)이 CRS와 관련하여 국가 홍수 보험 프로그램(NFIP) 내 형평성을 저해했는지 조사합니다. 연구 결과, CRS 교차 보조는 불공평한 체계를 초래하고 NFIP 내 보험계리 원칙을 위반하며, 위험 등급 2.0에 따른 완전한 위험 요율은 이러한 불평등을 더욱 심화시킬 것으로 나타났습니다. 본 연구는 홍수 위험에 대한 회복력을 강화하기 위해, 특히 농촌 지역에서 CRS를 개혁하고 보험계리적으로 공정한 요율을 제공해야 할 필요성을 강조합니다. 결과 방법 요약 CRS 교차보조금이 공간적으로 어떻게 분포되는지 분석하기 위해 "순 CRS 부하"라는 용어를 정의합니다. 순 CRS 부하는 주 평균 CRS 부하와 보험료에 대한 CRS 할인의 결합된 영향이며, 방정식 1 에 나타낸 바와 같이 주 평균 CRS 부하에서 보험료의 CRS 할인을 뺀 값으로 계산됩니다 . 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