摘要： This study presents an extended framework for the analysis of economic effects of natural disaster risk management. It also attempts to define and evaluate the optimal insurance arrangements. A model, the economic utility constrained-maximization model, is proposed. The purpose of this study is to establish a strategy for determining an insurance and risk control plan in which consideration is given to balancing the economic effects (e.g., decrease in costs due to damage) by disaster mitigation. Furthermore, these values are compared with risk control actions for purposes of prioritization, to provide data to help evaluate the benefit of each risk control action. Disaster insurance policy premiums in contrast are based on actuarial data taken from situations in which risk control measures are not employed. This can make such contracts unfair to responsible enterprise managers who must take risk control measures. This represents an unfair aspect of insurance policies. Enterprise managers should be able to determine the optimum arrangement between natural disaster risk control and insurance given their budget limitations. The optimal strategies aim at the best applicability and balance between risk control and insurance capability for the enterprise manager. Risk control measures can generate several risk control options for enterprise managers. Premium discounts by insurers are given in this model. 其他題名： Nat Hazards 出版者： Dordrecht: Springer Netherlands 出版日期： 2012-11-01 出處： Natural hazards (Dordrecht), 2012-11, Vol.64 (2), p.1391-1403 資源來源： Agricultural & Environmental Science Collection 版權： Springer Science+Business Media B.V. 2012 版權： 2014 INIST-CNRS 版權： Springer Science+Business Media Dordrecht 2012 識別號： ISSN: 0921-030X 識別號： EISSN: 1573-0840 識別號： DOI: 10.1007/s11069-012-0305-3 識別號： CODEN: NAHZEL
