The Study Of Risk-loss Of Marine Structures And Insurance

It is widely recognized that the costs of weather-related disasters have been rising. People have realized more and more violent risks. Besides depositing more money to bank or purchasing the insurance of best report, people almost can do nothing. The U.N. also limits the amount of gas of greenhouse that major industrial countries release. But the running course of industrialization had already changed everything on the earth, which is covered luxuriant forest and blue water long time ago. After all the course of industrialization has brought us advanced technologies and the vision of human being has touched so far away that we never gained before. The advanced technologies make us have better understanding of risks and more preparation for them.Risk is a part of life, how to invade the risk especially in the field of engineering? This paper gives solutions from two viewpoints.From the point of view of investor or manager, we should perform risk management and invade the risk by purchasing insurance, especially for the risk, which we can not eliminate by loss control ,or the cost of loss control is can not accepted. Considering the corresponding cost of loss financing, the optimum design load of platform is determined under the condition of minimum risk cost. The method of optimum design load studied in this paper, into which the procedure of QRA is integrated, has a practical significance to investors.From the viewpoint of insurer, who accumulates risks through the terms and price signals it projects to its customers, how should it avoid the risks? The paper presents solutions to this question—fixing more accurate pure premium. Bayesian theory is involved in the estimation of frequency of claims, which makes the estimation more reasonable. Hence, the estimation of pure premium is more sensible to the mutable environment.