{"id":3554,"date":"2024-10-29T08:22:01","date_gmt":"2024-10-29T08:22:01","guid":{"rendered":"https:\/\/www.lifescienceart.com\/?p=3554"},"modified":"2024-10-29T08:22:01","modified_gmt":"2024-10-29T08:22:01","slug":"climate-change-and-the-insurance-industry","status":"publish","type":"post","link":"https:\/\/www.lifescienceart.com\/vi\/science\/climate-science\/climate-change-and-the-insurance-industry\/","title":{"rendered":"Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u00e0 ng\u00e0nh b\u1ea3o hi\u1ec3m: Th\u00e1ch th\u1ee9c v\u00e0 th\u00edch \u1ee9ng"},"content":{"rendered":"

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u00e0 ng\u00e0nh b\u1ea3o hi\u1ec3m<\/h2>\n\n

Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu: K\u1ebb thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n

T\u1ea7n su\u1ea5t v\u00e0 c\u01b0\u1eddng \u0111\u1ed9 gia t\u0103ng c\u1ee7a c\u00e1c s\u1ef1 ki\u1ec7n th\u1eddi ti\u1ebft c\u1ef1c \u0111oan do bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu th\u00fac \u0111\u1ea9y \u0111ang bu\u1ed9c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a h\u1ecd.<\/p>\n\n

Th\u00e1ch th\u1ee9c c\u1ee7a t\u00ednh kh\u00f4ng d\u1eebng<\/h2>\n\n

Theo truy\u1ec1n th\u1ed1ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ef1a v\u00e0o d\u1eef li\u1ec7u l\u1ecbch s\u1eed \u0111\u1ec3 t\u00ednh to\u00e1n kh\u1ea3 n\u0103ng x\u1ea3y ra c\u00e1c s\u1ef1 ki\u1ec7n th\u1ea3m kh\u1ed1c. Tuy nhi\u00ean, bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu \u0111ang t\u1ea1o ra m\u1ed9t c\u1ea5p \u0111\u1ed9 kh\u00f4ng ch\u1eafc ch\u1eafn m\u1edbi v\u00ec c\u00e1c m\u1ee9c trung b\u00ecnh l\u1ecbch s\u1eed kh\u00f4ng c\u00f2n l\u00e0 y\u1ebfu t\u1ed1 d\u1ef1 \u0111o\u00e1n \u0111\u00e1ng tin c\u1eady v\u1ec1 c\u00e1c r\u1ee7i ro trong t\u01b0\u01a1ng lai.<\/p>\n\n

M\u1ed9t b\u00e1o c\u00e1o c\u1ee7a Geneva Association, m\u1ed9t nh\u00f3m nghi\u00ean c\u1ee9u c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m, n\u00eau r\u00f5: “Trong m\u00f4i tr\u01b0\u1eddng kh\u00f4ng d\u1eebng do s\u1ef1 n\u00f3ng l\u00ean c\u1ee7a \u0111\u1ea1i d\u01b0\u01a1ng g\u00e2y ra, c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn truy\u1ec1n th\u1ed1ng… ng\u00e0y c\u00e0ng kh\u00f4ng th\u1ec3 \u01b0\u1edbc t\u00ednh \u0111\u01b0\u1ee3c x\u00e1c su\u1ea5t nguy hi\u1ec3m hi\u1ec7n nay”.<\/p>\n\n

Nhu c\u1ea7u \u0111\u00e1nh gi\u00e1 r\u1ee7i ro mang t\u00ednh d\u1ef1 \u0111o\u00e1n<\/h2>\n\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft th\u00e1ch th\u1ee9c n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang chuy\u1ec3n sang c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1nh gi\u00e1 r\u1ee7i ro mang t\u00ednh d\u1ef1 \u0111o\u00e1n k\u1ebft h\u1ee3p c\u00e1c d\u1ef1 b\u00e1o v\u1ec1 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu. \u0110i\u1ec1u n\u00e0y li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh m\u00e1y t\u00ednh \u0111\u1ec3 m\u00f4 ph\u1ecfng h\u00e0ng ngh\u00ecn k\u1ecbch b\u1ea3n th\u1eddi ti\u1ebft c\u1ef1c \u0111oan v\u00e0 x\u00e1c \u0111\u1ecbnh nh\u1eefng k\u1ebft qu\u1ea3 t\u1ed3i t\u1ec7 nh\u1ea5t.<\/p>\n\n

Robert Muir-Wood, nh\u00e0 khoa h\u1ecdc tr\u01b0\u1edfng c\u1ee7a Risk Management Solutions (RMS), cho bi\u1ebft: “Ch\u00fang t\u00f4i li\u00ean t\u1ee5c c\u1ed1 g\u1eafng c\u1ea3i thi\u1ec7n m\u00f4 h\u00ecnh c\u1ee7a m\u00ecnh \u0111\u1ec3 n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 c\u00e1c s\u1ef1 ki\u1ec7n c\u1ef1c \u0111oan”.<\/p>\n\n

Nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee5 th\u1ec3 \u0111\u1ebfn r\u1ee7i ro b\u1ea3o hi\u1ec3m<\/h2>\n\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu \u0111\u1ed1i v\u1edbi r\u1ee7i ro b\u1ea3o hi\u1ec3m kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 ki\u1ec7n v\u00e0 \u0111\u1ecba \u0111i\u1ec3m.<\/p>\n\n

B\u00e3o:<\/strong> Nh\u00f3m c\u1ee7a Muir-Wood t\u1ea1i RMS \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng t\u1ea7n su\u1ea5t c\u1ee7a c\u00e1c c\u01a1n b\u00e3o \u1edf \u0110\u1ea1i T\u00e2y D\u01b0\u01a1ng \u0111\u00e3 t\u0103ng do bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m cho c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n ven bi\u1ec3n.<\/p>\n\n

L\u0169 l\u1ee5t:<\/strong> C\u00e1c s\u1ef1 ki\u1ec7n c\u00f3 l\u01b0\u1ee3ng m\u01b0a c\u1ef1c l\u1edbn, ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u1eadn l\u1ee5t g\u1ea7n \u0111\u00e2y \u1edf Boulder, Colorado, c\u0169ng \u0111ang tr\u1edf n\u00ean th\u01b0\u1eddng xuy\u00ean h\u01a1n v\u00e0 nghi\u00eam tr\u1ecdng h\u01a1n. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang \u0111i\u1ec1u ch\u1ec9nh c\u00e1c m\u00f4 h\u00ecnh c\u1ee7a m\u00ecnh \u0111\u1ec3 t\u00ednh \u0111\u1ebfn nh\u1eefng thay \u0111\u1ed5i n\u00e0y, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t \u1edf m\u1ed9t s\u1ed1 khu v\u1ef1c nh\u1ea5t \u0111\u1ecbnh.<\/p>\n\n

H\u1ecfa ho\u1ea1n r\u1eebng:<\/strong> Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu c\u0169ng g\u00f3p ph\u1ea7n l\u00e0m t\u0103ng t\u1ea7n su\u1ea5t v\u00e0 c\u01b0\u1eddng \u0111\u1ed9 c\u1ee7a c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng. \u0110i\u1ec1u n\u00e0y l\u00e0m d\u1ea5y l\u00ean m\u1ed1i lo ng\u1ea1i v\u1ec1 t\u00ednh s\u1eb5n c\u00f3 v\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m cho c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf nh\u1eefng khu v\u1ef1c d\u1ec5 x\u1ea3y ra ch\u00e1y r\u1eebng.<\/p>\n\n

Nh\u1eefng l\u1ee3i \u00edch ti\u1ec1m n\u0103ng c\u1ee7a bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu<\/h2>\n\n

M\u1eb7c d\u00f9 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m, nh\u01b0ng n\u00f3 c\u0169ng c\u00f3 th\u1ec3 mang l\u1ea1i m\u1ed9t s\u1ed1 l\u1ee3i \u00edch kh\u00f4ng ng\u1edd. V\u00ed d\u1ee5, b\u1eb1ng ch\u1ee9ng cho th\u1ea5y l\u0169 l\u1ee5t m\u00f9a xu\u00e2n do b\u0103ng tan g\u00e2y ra \u1edf Anh c\u00f3 th\u1ec3 tr\u1edf n\u00ean \u00edt th\u01b0\u1eddng xuy\u00ean h\u01a1n trong t\u01b0\u01a1ng lai, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u1edf nh\u1eefng khu v\u1ef1c \u0111\u00f3.<\/p>\n\n

C\u00e1c bi\u1ec7n ph\u00e1p th\u00edch \u1ee9ng c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m<\/h2>\n\n

\u0110\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro li\u00ean quan \u0111\u1ebfn bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang tri\u1ec3n khai nhi\u1ec1u chi\u1ebfn l\u01b0\u1ee3c kh\u00e1c nhau, bao g\u1ed3m:<\/p>\n\n

    \n
  • \u0110i\u1ec1u ch\u1ec9nh c\u00e1c m\u00f4 h\u00ecnh r\u1ee7i ro:<\/strong> K\u1ebft h\u1ee3p c\u00e1c d\u1ef1 b\u00e1o v\u1ec1 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u00e0o c\u00e1c m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a h\u1ecd \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c h\u01a1n kh\u1ea3 n\u0103ng v\u00e0 m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng c\u1ee7a c\u00e1c hi\u1ec7n t\u01b0\u1ee3ng th\u1eddi ti\u1ebft c\u1ef1c \u0111oan.<\/li>\n
  • T\u0103ng d\u1ef1 tr\u1eef v\u1ed1n:<\/strong> X\u00e2y d\u1ef1ng d\u1ef1 tr\u1eef t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ecd c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c kho\u1ea3n l\u1ed7 ti\u1ec1m t\u00e0ng.<\/li>\n
  • Khuy\u1ebfn kh\u00edch gi\u1ea3m thi\u1ec3u r\u1ee7i ro:<\/strong> H\u1ee3p t\u00e1c v\u1edbi c\u00e1c b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 gi\u1ea3m m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac c\u1ee7a h\u1ecd v\u1edbi c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn kh\u00ed h\u1eadu, ch\u1eb3ng h\u1ea1n nh\u01b0 l\u1eafp \u0111\u1eb7t r\u00e0o ch\u1eafn ch\u1ed1ng l\u0169 ho\u1eb7c v\u1eadt li\u1ec7u ch\u1ecbu l\u1eeda.<\/li>\n<\/ul>\n\n

    T\u00e1c \u0111\u1ed9ng c\u00e1 nh\u00e2n<\/h2>\n\n

    T\u00e1c \u0111\u1ed9ng c\u1ee7a bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu \u0111\u1ed1i v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ch\u1ee7 nh\u00e0 v\u00e0 doanh nghi\u1ec7p.<\/p>\n\n

    Muir-Wood khuy\u00ean r\u1eb1ng: “C\u00e1 nh\u00e2n t\u00f4i s\u1ebd kh\u00f4ng \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n b\u00ean b\u1edd bi\u1ec3n n\u1eefa”, v\u1edbi l\u00fd do t\u1ea7n su\u1ea5t b\u00e3o t\u0103ng v\u00e0 m\u1ef1c n\u01b0\u1edbc bi\u1ec3n d\u00e2ng.<\/p>\n\n

    C\u00e1c c\u00e1 nh\u00e2n n\u00ean c\u00e2n nh\u1eafc c\u1ea9n th\u1eadn v\u1ec1 c\u00e1c r\u1ee7i ro v\u00e0 chi ph\u00ed ti\u1ec1m \u1ea9n li\u00ean quan \u0111\u1ebfn bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh v\u1ec1 s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>","protected":false},"excerpt":{"rendered":"

    Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu v\u00e0 ng\u00e0nh b\u1ea3o hi\u1ec3m Bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu: K\u1ebb thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m T\u1ea7n su\u1ea5t v\u00e0 c\u01b0\u1eddng \u0111\u1ed9 gia…<\/p>\n","protected":false},"author":2,"featured_media":24737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[284],"tags":[34,6740,6739,6741,3066],"class_list":["post-3554","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-climate-science","tag-climate-change","tag-risk-assessment","tag-insurance-industry","tag-predictive-modeling","tag-extreme-weather"],"_links":{"self":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/3554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/comments?post=3554"}],"version-history":[{"count":2,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/3554\/revisions"}],"predecessor-version":[{"id":24738,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/posts\/3554\/revisions\/24738"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/media\/24737"}],"wp:attachment":[{"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/media?parent=3554"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/categories?post=3554"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lifescienceart.com\/vi\/wp-json\/wp\/v2\/tags?post=3554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}