天气对内罗毕保险业的影响

A. M. Ocholla, N. J. Muthama, J. Owino
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引用次数: 3

摘要

本文调查了1997 - 2000年期间,在五个家庭和工业保险类别中,降雨与建筑物和财产所有者所遭受的收入损失之间的关系,以及内罗毕保险公司随后必须支付的索赔。然后制定了降雨导数。研究方法包括相关分析、回归分析和问卷调查分析。结果表明,极端天气事件,特别是过度降雨,对建筑物和财产的破坏程度有直接影响。很明显,保险公司在承保保单时并不一定咨询气象学家,而且也没有特别考虑所发布的气象信息和产品是否相关或准确。这些信息将为肯尼亚精算科学和气象学跨学科领域内更广泛、更详细的研究奠定基础,并将致力于创造有用和准确的可交易的天气衍生品。
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THE INFLUENCE OF WEATHER ON THE INSURANCE INDUSTRY IN NAIROBI
This paper investigated the relationship between rainfall and losses in revenue incurred by owners of buildings and property , in fire domestic and industrial insurance classes, during the years 1997 - 2000 and the ensuing claims that insurance companies in Nairobi had to pay. A rainfall derivative was then formulated. The methodologies included correlation, regression analysis, and questionnaire analysis. Results showed that extreme weather events, particularly excessive rainfall, had a direct impact on the extent of damage on buildings and property. It also became clear that insurance companies did not necessarily consult the meteorologists when underwriting policies and furthermore did not particularly consider that the meteorological information and products issued were relevant or accurate. This information will form the basis for a broader, more detailed study within the interdisciplinary field of Actuarial Science and Meteorology in Kenya, and will aim at creating useful and accurate weather derivatives that can be traded.
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