台灣住宅地震保險制度研究A Study of Taiwan Earthquake Insurance System

摘要
　　近年來相繼發生強烈地震災害，如加州北嶺、日本阪神、台灣集集、南亞、中國四川等，地震發生前並無明顯徵兆，以目前人類科技尚無法準確預測地震發生的規模時間和地點；尤其工業化結果，各項公共工程繁多、科技產業集聚各地區，且都市化普遍，使得人口分布日趨集中，若在都會區附近發生強震將導致嚴重傷亡與經濟損失。對飽受地震威脅的台灣，如何加強地震風險管理、地震保險基金分散，甚至移轉風險，為全民關心課題及本研究目的。
關鍵詞：地震災害、風險管理、地震保險基金
ABSTRACT
　　There are many strong earthquakes happened around the world such as the Northridge earthquake in California, the Jiji earthquake in Taiwan, the Indian Ocean earthquake in South Asia, the Sichuan earthquake in China etc.. There is no obvious precursor as the technology now still unable to anticipate the scope, time and place of the earthquake accurately. Especially the result of the industrialization, public construction is undergoing and tech industry bristly in separate area and the urbanization centralized the population distribution. If the earthquake happens in urban area, it may cause the serious lives and properties lose. Therefore, how to improve the risk management, separate earthquake insurance fund and even transfer the risks that cause by the earthquake are the important issues in this research.
Keywords: earthquake disaster, risk management, earthquake insurance fund