Seismic Risk Analysis Of Farmhouse In Yunnan And Investigation Of Demand Of Earthquake Insurance

Earthquake is a large-scale and sudden natural disaster which threaten people’s life and property safety seriously.Yunnan province is an area where modern crust movement and great extent earthquakes are most violent in our country and the world,of which the seismic activity has the characteristic of high frequency,high strength,wide distribution and huge damage.Keeping watch the seismic risk scientifically and reducing earthquake damage effectively is an extended and arduous task in today’s society.However,the economic condition and education level of Yunnan peasant household is kind of poor.Comparing with urban people,they usually live in the section of an area where disaster occurs frequently.Their houses are kind of poor in antiseismic performance.As a result,their risk prevention consciousness are weak,the ability of resistance and dispersal natural risk is still very limited.Based on the background,how to exploit the advantages of allocation of resources by government and market respectively and solve the problem of insurance compensation of damage caused by earthquake has very important meaning for a province as Yunnan with frequent earthquake disaster and being hit critically.Earthquake insurance takes seismic risk and loss of earthquake damage as subjectmatter insured,which is a method of prediction and prevention earthquake extendedly.In the year of 2015,policy-oriented earthquake insurance was put into effect formally in Dali,Yunnan.The project put hand to earthquake disaster of farmhouse with highest level risk and most loss,preventing estate loss and people injuries.Earthquake insurance takes damage of material property(such as buildings,indoor property and production equipment)as object.As a result,inferring the loss amount which may occur in the future earthquakes is an important reference to confirm insurance rate.Combined with international experience,catastrophe insurance system can’t exist without the effect of government,however,expanding the participation of people is not only the realistic demand of sharing government pressure,but also the essential requirements for insurance to achieve social management function.Insufficient insurance needs is one of the important constraint factors which cause the result that earthquake catastrophe insurance system delayed to the ground.Studying the influence factors of catastrophe need can make strong guiding significance for our country to develop catastrophe insurance system vigorously.In order to study the characteristic of earthquake disaster loss and earthquake catastrophe insurance needs,the research work of this article has some aspects as follow:1.Collect and sort out estimate data of loss of more than 70 destructive earthquake disaster from 1993 to 2015,carrying out study of building earthquake vulnerability and risk loss of earthquake catastrophe of building constructions based on abundant historical earthquake damage experience,data and results of theory and practice study in our country and abroad to get the model of prediction of farmhouse earthquake damage loss in Yunnan.2.Make general survey work of farmhouse anti-seismic performance in Yunnan according to frequent and geographic location of earthquake and income level of peasants and other factors.Task group selects some villiages and towns in Xishuangbanna,Honghe,Dali,Baoshan and Zhaotong of Yunnan province as survey sites.Grasp the characteristic and relative basic data of farmhouse in Yunnan,knowing situation of anti-seismic performance and reinforcement of buildings to provide basic data and dicision reference for disaster prevention and mitigation by government.3.Based on estimate data of loss of earthquake damage over the years and relative results of general survey of farmhouse anti-seismic performance,making prediction of earthquake damage of different kinds of buildings constructions in Eryuan as an example.4.Sum up the basic situation of willingness to purchase earthquake insurance in countryside areas,letting a point spreads to a surface.Explore the possibility or promotion situation of implementation of policy farmhouse insurance or commercial farmhouse insurance in countryside where the economic is backward to provide corresponding constructive construction measures for its implementation.