一冊，約十萬字，前言、結論外，正文共分四章。 一、前言 二、水災的原因 （一）社會因素：水利問題、社會生活習性、水土保持的忽視 （二）自然因素：水利方面、氣象方面 （三）搶險失敗：人力物力的動員、搶險的因難、搶險人員失職 三、水災的衝擊 （一）物質的衝擊：物質的損失、物質與糧食問題 （二）人員的衝擊：人員的傷亡、災民問題 （三）社會的衝擊：騷動的形成、騷動的防患與制止 四、救災工作 （一）救災工作的展開：組織與動員、國民政府水災救濟委員會 （二）救災工作的內容：災民救濟與收容、工賑、農賑 （三）特點與檢討：救災公債、美麥借款、防疫、救災行政得失 五、水災的影響 （一）政治外交方面：危機意識、中共意圖 （二）社會經濟方,面：社會秩序、農村問題、財政收入 （三）水利建設等方面：水利工作的重視、救災經驗 六、結論

近年來許多的產險公司因為買不到比例性的天災再保險合約，不得不使用超額賠款再保險方式以規避和轉嫁天災風險，但也因此承擔相當大的天災累積風險。 本文將企業風險管理的概念引進，把保險公司的再保部門模擬成企業的風險管理部門，期能更精確地定位保險公司再保險部門的功能、應該扮演的角色及未來經營策略。 超額賠款再保險之使用與產物保險的經營關聯密切，其最重要關鍵在於風險自行承擔，因此其間的保費收入、再保費成本支出等有關費率釐定計算方式，可說是超額賠款再保險之精華所在，亦為保險相關從業人員必備之專業知識。由於超額賠款再保險運用到許多統計相關的計算說明，本文之論述期能幫助保險相關從業人員找到各方的均衡點，有助於保險事業將資源做最有效率、效能的經營。 本文針對財產保險運用超額賠款再保險經營實務之考量加以介紹，同時強調經營者必須提升專業，包括損防服務、專業化核保、作業流程電腦化、財務風險管理等，尤其在計算天災的累積和購買適當再保險的承保容量方面，這亦有助於保險公司對天災風險的評估與認識。 最後，本文籲請保險公司主管必須重視目前以超額賠款再保險風險自留方式所承保之業務其費率是否適當，尤其是天災風險，所謂多算勝，少算不勝，而況於無算乎？否則會和賭場的賭客一樣， 大部分人是輸光退場的。 / Excess of Loss Reinsurance has become the viable solution in Taiwan’s insurance community, since the constraints were imposed by reinsrers a few years ago that natural catastrophe exposures could not be fully transferred to proportional treaties. But, the insurers also take very large natural risks at the same time. The aforementioned is the key issue to be discussed at the first part of this text, which introduces the concept of “corporate risk management” that Risk Management Department in enterprise is playing a role very similar to Reinsurance Department in an insurance company. We can, from this perspective, easier and clearer identify the functions and business objectives of Reinsurance Department in an insurance company. One distinctive advantage over proportional reinsurance is that, by adopting XOL reinsurance, ceding companies can expect to retain more premiums. Virtually, the performance of XOL operations is directly linked to the level of reinsurance cost, so it is very vital for insurance people to be fully aware of the connections between their insured exposures and reinsurance prices. A number of charts, tables, and cases are illustrated in the text for the calculation of XOL prices, and readers, particularly those who are doing insurance business, of this text are able to fairly locate the equilibrium of reinsurance cost that can be mutually accepted by the insured、brokers、reinsurers and insurers. Actual practices of applying property XOL reinsurance are analyzed in the text, which has also highlighted the importance of upgrading insurers’ professionalism, including loss prevention, underwriting, work-flow computerization, financial risk management, in particular, aggregate control on natural perils and adequate reinsurance protection. My conclusions and recommendations are pinpointing the issues required to be dealt with by the authorities for the adequacy of direct premium rates, particularly for the business with natural perils that are retained under XOL programs. Insurers are destined to be out of the market, sooner or later, if they are unable to charge sufficient premiums to finance their losses in the long run.

因台灣全島具有許多地震斷層，各處均有可能發生地震，又大型地震易伴隨之地震變動，常有斷層、山崩、地裂、地盤隆起、陷沒、崩崖、噴沙、噴泥、土壤液化、井水變化之情形發生。地震所造成之損失相當嚴重，若僅賴政府之事後救濟，將造成納稅人及國家沉重之財政負荷，相形之下，使人民事前投保地震保險，共同分散損失，乃較佳選擇。有鑑於位於高地震風險地區之國家，例如，位於「環太平洋地震帶」之日本、紐西蘭、美國加州，及位於「歐亞地震帶」之土耳其等，均陸續發展地震保險制度，故本論文欲藉各國地震保險制度，探討我國目前住宅地震保險制度之完善性。 本論文以此為主題，探討之內容包含地震風險是否具可保性、政府是否應介入地震保險市場、綜合天災保險之可行性、地震保險保費釐定之考量因素、是否應強制投保地震保險、強制承保之必要性、目前之投保方式是否構成違法之搭售行為、及理賠標準之爭議等問題，於論文最後並提出相關條文之修正建議。 / Earthquakes occur frequently in Taiwan, and they always lead to catastrophic losses. If the government invests more taxpayer dollars into ex post compensation, it will be unfair to other taxpayers. For insurance plays an important role in the modern societies. It can successfully distribute the risks ex ante and contribute to make societies more stable. So this paper introduces Earthquake Insurance to solve the problem, discusses the topic from different aspects, and does a comparative research on legislation between America, Japan, New Zealand, Turkey and Taiwan. The outline of this paper discusses the insurability, the ways of risk management, the need of government intervention, whether to introduce mandatory insurance, the coverage extent the insurer can provide, and how to determine the premium. At the last of this paper, the author also raises some suggestions of Insurance Law.