The Function and Limit of Catastrophe Insurance : Earthquake Insurance in Japan
| Project/Area Number |
14530129
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Single-year Grants |
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| Section | 一般 |
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| Research Field |
Commerce
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| Research Institution | Ninon University |
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Principal Investigator |
MAYA Yoshio Ninon University, School of Commerce, Professor, 商学部, 教授 (40096912)
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| Project Period (FY) |
2002 – 2003
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| Project Status |
Completed (Fiscal Year 2003)
|
| Budget Amount *help |
¥2,000,000 (Direct Cost: ¥2,000,000)
Fiscal Year 2003: ¥900,000 (Direct Cost: ¥900,000)
Fiscal Year 2002: ¥1,100,000 (Direct Cost: ¥1,100,000)
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| Keywords | risk sharing / catastrophe / mutual aid / public insurance / reinsurance / earthauake insurance / private insurance / relief of sufferers |
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| Research Abstract |
Not all the problems are solved through insurance techniques. Insurance is a method of risk transfer or risk sharing, and, therefore, retains economic rationality. But insurance cannot eliminate risk itself. In this sense, insurance can be described as a passive means to deal with risks. It is important, first of all, to try to prevent and reduce risks actively if they are predictable at all. Insurance is nothing but a last resort. The social protection system must be discussed from the perspective of eliminating and reducing risks rather than being insured or preventing and restraining risks rather than being insured in pursuit of a better system.
Although insurance is indeed a system which is indispensable to modern life, the socio-economic environment surrounding insurance is rapidly changing. In an idealistic theory, a welfare society should be expected to enable a maximum number of people to enjoy liberty and equality. People's mentality must change, first and foremost, in order to improve the social foundation of life.
We have already learnt from socio-economic consequences of the Hanshin-Awaji Great Earthquake that a mere increase of income causes only a debased form of the affluent society that is far different from the real welfare society. We have to make the best use of this bitter lesson in future and construct a society where everybody can comfortably and positively enjoy a long life, importing prevention of risks rather than promotion of insurance.
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Report
(3 results)
Research Products
(43 results)
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[Book] 社会保障論(改訂3版)2005
Author(s)
真屋尚生 ほか
Publisher
ミネルヴァ書房(2005年5月刊行予定)
Description
「研究成果報告書概要(和文)」より
Related Report
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[Book] 保険の知識(第2版)2004
Author(s)
真屋尚生
Total Pages
206
Publisher
日本経済新聞社
Description
「研究成果報告書概要(和文)」より
Related Report
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[Book] 社会保障論(改訂3版)2004
Author(s)
真屋尚生 ほか編
Total Pages
264
Publisher
全国社会福祉協議会
Description
「研究成果報告書概要(和文)」より
Related Report
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[Book] 社会保障論(改訂版)2003
Author(s)
真屋尚生ほか
Total Pages
256
Publisher
ミネルヴァ書房
Description
「研究成果報告書概要(和文)」より
Related Report
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