Quantifying through Ex Post Assessments the Micro-Level Impacts of Sovereign Disaster Risk Financing and Insurance Programs

de Janvry, Alain

World Bank, Washington, DC

关键词: FLOODING;    CATASTROPHIC RISKS;    EMPLOYMENT;    EARLY WARNING SYSTEMS;    CATASTROPHIC EVENTS;   

DOI  :  10.1596/1813-9450-7356
RP-ID  :  WPS7356

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Uninsured natural disasters can havedevastating effects on human welfare and economic growth,particularly in developing countries where large segments ofthe population are in poverty and government resources andcapacity to assist in relief, recovery, and reconstructionare limited. Therefore there is interest in exploring howthese countries can design and implement disaster relieffinancing and insurance programs. This paper discusses fouraspects of the microeconomics of disaster relief financingand insurance programs that are important for the ex postimpact evaluation of such programs: (1) use of game setupsto analyze the private willingness-to-pay for disasterprotection through risk transfer or risk retentioninstruments; (2) use of ex post analysis of existingdisaster relief financing and insurance schemes (such asMexico’s programs) to analyze the willingness to providepolitical support to such schemes; (3) use of ex postanalysis of existing schemes to analyze not only ex postcoping with shock, but also the ex ante risk managementimpact of disaster relief financing and insurance schemes,with the expectation that the latter can have a largeeffects on growth; and (4) use of mainly global data to doex post impact analysis of natural disasters and theresilience-enhancing value of disaster relief financing andinsurance schemes (examples exist for the disaster-impactrelationship that can be extended to the role of disasterrelief financing and insurance in risk reduction, copingwith shock, and risk management). The paper proposesconcrete research projects to pursue the analysis of thesefour dimensions of micro-level impacts of disaster relieffinancing and insurance.