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دسته بندی:
مدیریت پروژه - Project Management
سال انتشار:
2020
عنوان انگلیسی مقاله:
Financing coastal resilience by combining nature-based risk reduction with insurance
ترجمه فارسی عنوان مقاله:
تأمین اعتبار انعطاف پذیری ساحلی با ترکیب ریسک مبتنی بر طبیعت و بیمه
منبع:
Sciencedirect - Elsevier - Ecological Economics, 169 (2020) 106487. doi:10.1016/j.ecolecon.2019.106487
نویسنده:
Borja G. Regueroa,b, Michael W. Beckb,a, David Schmidc, Daniel Stadtmüllerd, Justus Raepplee, Stefan Schüsselef, Kerstin Pfliegnerg,*
چکیده انگلیسی:
The increasing impacts of climate hazards combined with the loss of coastal habitats require urgent solutions to
manage risk. Storm losses continue to grow and much of them are uninsured. These losses represent an increasing
burden to individuals, businesses, and can jeopardize national development goals. Pre-hazard mitigation
is cost effective, but both the public and private sector struggle to finance up-front investments in it. This
article explores a resilience solution that combines risk transfer (e.g., insurance) with risk reduction (e.g., hazard
mitigation), which have often been treated as two separate mechanisms for disaster risk management. The
combined mechanism could help align environmental and risk management goals and create opportunities for
public and private investment in nature-based projects. We assessed this resilience insurance with hypothetical
cases for coral reef restoration. Under conservative assumptions, 44% of the initial reef restoration costs would
be covered just by insurance premium reductions in the first 5 years, with benefits amounting>6 times the total
costs over 25 years. We also test the sensitivity to key factors such as project cost, risk reduction potential,
insurance structure, economic exposure and discount rates. The resilience insurance mechanism is applicable to
many coastlines and can help finance nature-based adaptation.
Keyword: Resilience insurance
قیمت: رایگان
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