新西兰保险市场与自然灾害风险上升的斗争,促使无法保住的房屋和保险人撤离高风险地区。 New Zealand's insurance market struggles with rising natural disaster risks, prompting uninsurable homes and insurer withdrawal from high-risk areas.
新西兰保险市场由于自然灾害风险上升而面临挑战,导致无法保住的房屋和保险公司撤出高风险地区。 New Zealand's insurance market faces challenges due to rising natural disaster risks, leading to uninsurable homes and insurers pulling out of high-risk areas. 未来防患于未然的家庭保险需要公共和私营部门的合作。 Future-proofing home insurance requires public and private sector collaboration. 潜在的解决办法包括防灾住房、提供参数保险、共同保险风险、利用灾难债券将保险风险转移给非保险实体。 Potential solutions include disaster-proofing homes, offering parametric insurance, co-insuring risks, and using catastrophe bonds to transfer insured risk to non-insurance entities. 联合国政府间气候变化问题小组建议尽量减少与气候有关的风险,解决住房成本问题也有助于减少灾害的财政影响。 The UN's Intergovernmental Panel on Climate Change advises minimizing climate-related risks, and addressing housing costs may also help reduce financial impact of disasters.