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Назва: ДЕФІНІЦІЯ ТА ОСОБЛИВОСТІ КЛАСИФІКАЦІЇ КАТАСТРОФІЧНИХ РИЗИКІВ У ТЕОРІЇ СТРАХУВАННЯ
Інші назви: DEFINITION AND FEATURES OF CLASSIFICATION OF CATASTROPHIC RISKS IN THE THEORY OF INSURANCE
Автори: Клапків, Юрій Михайлович
Klapkiv, Yuriy
Ключові слова: ризик, страхування, катастрофічні ризики, ризик катастроф, кумуляція збитків
risk, insurance, catastrophic risk, accidents, damage accumulation
Дата публікації: 2013
Видавництво: Klapkiv Y. (2013) Definitsiia ta osoblyvosti klasyfikatsii katastrofichnykh ryzykiv u teorii strakhuvannia [Definition and features of classification of catastrophic risks in the theory of insurance] Finansovyi prostir- Financial Space, № 3 (11), 145-151.
Бібліографічний опис: Клапків Ю.М. Дефініція та особливості класифікації катастрофічних ризиків у теорії страхування/ Юрій Клапків // Фінансовий простір. Електронне наукове фахове видання: міжнародний науково-практичний журнал.- № 3 (11).- 2013.- С.145-151.
Короткий огляд (реферат): У статті досліджено сутність катастрофічних ризиків із позиції теорії страхування, систематизовано їх особливості класифікації. Виокремлено специфічні характеристики катастрофічних ризиків, та концептуальні основи їх реалізації.
Опис: It is possible to say with a confidence, that in a modern society the danger arising of damage falls within the different subjects and persons, and its consequences are financial and non-financial.Every human and economical unit must consider with the origin of risks which will not be able to predict or counteract. Most scientists pay attention to the general characteristics of the category of "risk ". They do not analyze this notion depending on the scope and size in the case of its realization. We takeit into consideration and see the necessary to define the basic dominants of the notion of catastrophic risks in the theory of insurance. Thus we can analyze the catastrophic risk, through the simultaneous existence of two factors: dividing into two basic categories: natural disasters and catastrophes caused by human activityrelated to the development of civilization and technology. According to the definition used by U.S. government institutions (such as FEMA, NASA, NOAA, USAID), the catastrophic risks are unexpected natural phenomenon of unusual sizes which threatens the human life and activities. The Catastrophic risks are divided into two groups; natural and technological - where basis is the risk of event caused by human and her technology (the so-called technological disaster).This approach is widely used by insurers and reinsurance companies in the world, including the leaders of industry, such as Swiss Re and Munich Re [13]. This approach appears withthe classification of risk of natural disaster, the catastrophic risks are divided into: — Clean risks realization of which provides spending, and their failure means the absence of spending;; — statical risks take place regardless of progress, development of civilization, technology; — Financial and non-financial , depending on the nature of the loss — Personal and property ; — uncertain to the fact of realization or time of realization, and also to the possible results; — fundamental but at the same time particular e. g. the terrorist attack on the World Trade Center in New York, September 11, 2001. The basis of research is catastrophic financial and property risks which show up concrete measuring losses in a financial form. Beginning with the 2012 domestic legislation directly identifies «disaster risks in the agriculture», as the emergency situations of technogenic and natural character, large aggregate or scales of display of natural disaster (drought, hail, frosts, floods etc.) and human activity in the process of creation of material wealth’s (accident, fires etc.) which cause losses in the considerable sizes. [1 ] Therefore, the disaster risk (the catastrophic risk) can be defines as the possibility of origin of natural disasters caused by forces of nature, that have unexpected character.It is often difficult to predict the place and the size of the damage and it usually does not depend of human.The proposed definition of the risk refers to the notion of the catastrophe. Catastrophic risk is the possibility of arising an emergency situation of technological or natural character with the realization of large -scale or accumulation totality of disaster through the manifestation of the elemental forces of nature or human activity in the creation process or consumption of material wealth’s. Summarizing the subject of this research we should underline that some human activity (civilization or economical) is always associated with the availability of risk. There is only a difference between its intensity and the size of depending on the project realization. Thus, in 2002 the domestic scientist M. Klapkiv defined the modern industrial society as a society of risk management. [3, 10].
URI (Уніфікований ідентифікатор ресурсу): http://dspace.tneu.edu.ua/handle/316497/12149
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