depreciation on replacement value 中文意思是什麼
depreciation on replacement value
解釋
按重置價值折舊- depreciation : n. 1. 減價，貶值。2. 折舊；【機械工程】損耗。3. 藐視，輕視。
- on : adv 1 〈接觸、覆蓋〉上去；開（opp off）。 turn on the light [radio water gas] 開電燈[收音機、自來...
- value : n 1 價值；重要性；益處。2 估價，評價。3 價格，所值；交換力。4 （郵票的）面值。5 等值；值得花的代...
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This article is based on the principles of risk management and insurance. it insights into the interrelationship among risk, insurable interest and such important factors as insurance value in mortgage insurance, explains the asymmetry of risk assumed and relevant coverage, shows the brand new concept of ratio of real estate insurance value, argues the application of replacement less depreciation approach to the valuation of insurance value in mortgage insurance, and analyzes the valued policy and moral hazard in real estate insurance
本文基於風險與保險基本原理和不動產估價原則，結合保險發達國家不動產保險實務和我國抵押貸款相關險種保單條款，深入剖析住房抵押貸款保險的風險、可保利益、保險價值等要素的內在聯系以及現行保險條款中風險與保險責任不對稱的原因，提出了不動產保險價值比率的全新概念，論證了住房抵押貸款的保險價值評估適用抵押房屋重置價值的觀點，並對不動產保險中定值保單和道德風險進行了探討。
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