Earthquake Insurance of Rural Community in Yunnan Province: Investigation on Willingness of Householders and Pilot Research on Insurance Rate
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Earthquake Insurance of Rural Community in Yunnan Province: Investigation on Willingness of Householders and Pilot Research on Insurance Rate Kunming University of Science and Technology 2017.12.31 contact Earthquake Insurance of Rural Community in Yunnan Province: Investigation on Willingness of Householders and Pilot Research on Insurance Rate ........................................................................ 1 Introduction ....................................................................................................................................... 1 Research Background ............................................................................................................... 1 Earthquake insurance status quo at home and abroad ............................................................... 2 Content and Significance .......................................................................................................... 6 Research objectives ................................................................................................................... 8 Part 1 Earthquake Insurance of Rural Community in Yunnan Province: Investigation on Willingness of Householders .......................................................................................................... 10 Chapter 1 An Survey on Yunnan Earthquake Insurance Pilot Project ......................................... 11 1.1 The Basic Situation of Yunnan Earthquake Insurance ...................................................... 11 1.2 The Characteristics of Yunnan Earthquake Insurance ....................................................... 13 1.3 Problems in Earthquake Insurance .................................................................................... 15 1.4 Suggestions for Improving the Catastrophe Insurance System ......................................... 16 1.5 The Main Content and Significance of Researching Catastrophe Insurance System ........ 18 1.6 The Potential Application in Other Countries ................................................................... 19 Chapter 2 Study Design on the Willingness of Earthquake Insurance ............................................ 22 2.1 Sample Selection ............................................................................................................... 22 2.2 Research Forms ................................................................................................................. 25 Chapter 3 Analysis of the results from the survey .......................................................................... 27 3.1 Methodology ..................................................................................................................... 27 3.1.1 Selection Principles of Farmers ..................................................................................... 27 3.1.2 Measuring Method of Farmers Demand and Willingness to Pay for Earthquake Insurance ................................................................................................................................. 27 3.1.3 Data Analysis Method .................................................................................................... 28 3.2 Survey of farmers' distribution .......................................................................................... 29 3.3 The Basic Conditions of the Farmer ................................................................................. 29 3.4 Rural Housing Structure .................................................................................................... 33 3.5 The Risk Perception Ability of Farmers ............................................................................ 36 3.6 The Impact of Government Behaviors on Earthquake Insurance Demands...................... 41 3.7 Farmers’ Earthquake Insurance Demands and Willingness to Pay ................................... 43 3.8 Analysis of statistical Data ................................................................................................ 45 3.8.1 Regression Analysis of Parameter .......................................................................... 45 3.8.2 Regression Analysis of Nonparametric .................................................................. 46 3.8.3 ACE Regression Deals with Survey Questionnaire Data ....................................... 47 Part 2 Catastrophe Risk Model of Urban and Rural Residential in Earthquake .......................... 57 Chapter 4 Earthquake Risk Model .................................................................................................. 58 4.1 Seismic Hazard Analysis ................................................................................................... 58 4.2 Probability Analysis of Earthquake Hazard in Eryuan County, Dali County .................... 62 4.2.1 Probability Analysis of Earthquake Hazard in NiujieTown ................................... 63 4.2.2 Probability Analysis of Earthquake Hazard in SanYing Town ............................... 65 4.2.3 Probability Analysis of Earthquake Hazard in Bihu Town ..................................... 68 4.2.4 Probability Analysis of the Earthquake Hazard in the Yousuo Town ..................... 71 4.2.5 Probability Analysis of the Earthquake Hazard in the Dengchuan Town .............. 74 4.2.6 Probability Analysis of the Earthquake Hazard in the Fengyu Town ..................... 77 4.2.7 Probability Analysis of the Earthquake Hazard in the Qiaohou Town ................... 79 4.2.8 Probability Analysis of the Earthquake Hazard in the Liantie Town ..................... 82 4.2.9 Probability Analysis of the Earthquake Hazard in the Xishan Town ..................... 85 Chapter 5 Earthquake Vulnerability Model of Building ................................................................. 88 5.1 Seismic Vulnerability of Structure .................................................................................... 88 5.2 Seismic Vulnerability Matrix of Buildings in Yunnan Province ....................................... 90 5.3 Seismic Vulnerability Curve of Buildings in Yunnan Province ........................................ 93 Chapter 6 Forecasting Model of Building Vulnerability in Eryuan County, Dali Prefecture .......... 98 6.1 Seismic Hazard Analysis Results ...................................................................................... 99 6.2 Estimation Model of Housing Construction in Eryuan County ...................................... 101 6.2.1 Calculation Example of Earthquake Damage Prediction Model for Housing Construction in Eryuan County ..................................................................................... 101 6.2.2 Earthquake Damage Prediction Model of Township Buildings in Eryuan County ....................................................................................................................................... 104 Conclusion and Suggestion ........................................................................................................... 121 References ..................................................................................................................................... 123 Appendix ....................................................................................................................................... 126 Appendix 1 Questionnaire .................................................................................................. 126 Appendix 2 Field research ................................................................................................. 130 FieldResearch in Xishuangbanna Dai Autonomous Prefecture..................................... 130 The Field Research in Honghe Hani Autonomous Prefecture....................................... 132 The Field Research in Dali Bai Autonomous Prefecture .............................................. 134 The Field Research in Baoshan ..................................................................................... 136 The Field Research in Zhaotong ................................................................................... 137 Appendix 3 Housing situation ............................................................................................ 137 Basically intact .............................................................................................................. 137 Slight damage ................................................................................................................ 139 Security Risks Exist ...................................................................................................... 140 The Strengthening of Rural Houses .............................................................................. 143 LIST OF FIGURES FIGURE 3.3- 1 MALE FEMALE RATIO ................................................................................................................ 30 FIGURE 3.3- 2 PROPORTION OF ALL AGES ......................................................................................................... 31 FIGURE 3.3- 3 HOUSEHOLD INCOME(RMB) ..................................................................................................... 31 FIGURE 3.3- 4 THE LEVEL OF EDUCATION OF THE SUBJECT .................................................................................... 31 FIGURE 3.3- 5 FAMILY POPULATION STRUCTURE ................................................................................................ 32 FIGURE 3.3- 6 INCOME TO MEET HOUSEHOLD