以中國大陸為例，本研究分別對廈門市與張家口市做地震風險分析實例，求出所需保費與各回歸期對應之損失超越機率，其分析結果可供擬訂地震保費參考使用。 ;Natural disasters are unavoidable . Among the losses caused by the earthquake is enormous. Loss of property is not the worst scenario , loss of life is serious. Whether on people′s lives, the national economy will have a serious impact. Therefore, how to avoid risk by risk management or reduce the loss at natural catastrophe event is a very important topic of the catastrophe risk management.
Earthquake damage assessment, vulnerability curve is an important reference index for rapid assessment of earthquake damage of structures, can show the different types of structures encountered different earthquake, the probability of occurrence of various degrees of damage arising. And then for us to judge a large area or a large number of the expected loss of the structure. This study encounters the earthquake fragility curves of the building structure as a research.
The vulnerability curve of the function can estimate the degree of damage of various types of structural damage. In addition to be able to do post-earthquake academic research, vulnerability curve can provide the relevant government units to use. Especially for old buildings and rural areas. In the event of a disaster to minimize the damage. Of the country′s economic development and provide positive assistance for the development. And even allow the insurance company to calculate the various types of structures in different sizes of the earthquake. With a different set of self-imposed, limit and other insurance conditions to develop a set of insurance strategy, thereby establishing a complete insurance policy for consumers to buy safe-haven, to avoid excessive losses without insurance coverage due to sudden earthquake. Take China as an example, this paper analyzes the earthquake risk analysis of Xiamen and Zhangjiakou respectively. Find the required premium and the return period corresponding to the loss beyond the probability. The results of the analysis are available for the preparation of seismic premiums.
