Study On The Influencing Factors And Improvement Of The Performance Of The Experimental Housing Earthquake Insurance In Dali Prefecture

Due to the collision between the Asia-Europe plate and the Indian Ocean plate and the uplift of the Qinghai-Tibet Plateau,Yunnan is one of the regions with the most intense crustal movement,the most frequent seismic activity and the most serious earthquake disaster in China.The territory of the province with a basic intensity of more than 7 degrees is as high as 84%,twice the national average.Since the 20 th century,although Yunnan Province only accounts for 4.1% of the country's land area,the proportion of large earthquakes above level 7 is as high as 23.6%,and that of strong earthquakes above level 6 is 8.8%.From 2000 to the end of 2011,a total of 36 earthquakes of magnitude 5 and above occurred in Yunnan,a relatively quiet period.After the 7.2-magnitude earthquake in Myanmar in 2011,it entered a new round of active earthquakes.As of 2018,there were 43 earthquakes of magnitude 5 or above in Yunnan and surrounding areas.In this context,how to let the government and the market each play their resource allocation advantages and solve the loss insurance compensation problem caused by the earthquake disaster is of great significance to a province with frequent earthquake disasters and severe disasters in Yunnan.First of all,it explains the advantages of the government and the market to allocate resources,and solves the problem of compensation for loss insurance caused by earthquake disasters.It is of great importance to a province with frequent earthquake disasters and severe disasters in Yunnan.Reviewing the literature on earthquake insurance research for rural houses at home and abroad,and conducting literature review studies on the performance of earthquake insurance for rural houses,subsidies for earthquake insurance for rural houses,factors affecting the performance of earthquake insurance for rural houses,and programs for improving policies related to earthquake insurance for rural houses.And review the research at home and abroad,review the literature,and then clarify the purpose of this study.After that,relevant concepts were formulated,earthquake insurance and policy-based farmhouse earthquake insurance were elaborated,and the concept of policy-based farmhouse earthquake insurance performance was defined.The relevant theories were introduced and summarized.Thirdly,it puts forward the development status of the experimental housing earthquake insurance in Dali and the construction of performance evaluation index system.Fourth,analyze the factors affecting the performance of the earthquakeproof insurance pilot project in Dali Prefecture.Exploring the impact of policy farmhouse earthquake insurance effective demand,policy farmhouse earthquake insurance supply capacity,and government behavior in policy farmhouse earthquake insurance on the performance of policy farmhouse earthquake insurance,and propose policy for follow-up Provide ideas for improving the performance of rural housing earthquake insurance.Finally,the strategy of improving the pilot performance of the policy housing earthquake insurance in Dali Prefecture is proposed.Under the guidance of relevant concepts and theories,based on the historical evolution and current situation of the development of the policy-based rural housing earthquake insurance in Dali,from the perspective of farmers,insurance companies and the government,objective,comprehensive and scientific evaluation The performance level of policy-based farmhouse earthquake insurance,summarizing the development achievements and shortcomings of the policy-based farmhouse earthquake insurance pilot in Dali,and exploring the influencing factors of the policybased farmhouse earthquake insurance performance,and on this basis,propose to promote the policy-oriented farmhouse in Dali Prefecture.The strategy of earthquake insurance pilot performance.