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中文摘要：
针对目前城市和村镇地区采用统一抗震设防标准的现状,将村镇建筑分为农村、乡镇、县城3个层次,制定基于性态抗震设防标准并开展相应的地震易损性分析,进而计算典型砌体结构的离散化震害矩阵。通过考虑不同地区地震危险性特征的差异来计算地震危险性曲线,并分析不同层次村镇结构在将来地震中的可能经济损失,确定相应地震保险费率。通过对不同层次、不同设防标准的典型砌体结构地震保险费率的对比,验证了将村镇地区分3个层次并考虑不同地区地震危险性差异来研究地震保险费率的合理性。
英文摘要：
For the current situation of using uniform seismic fortification standards in urban and rural areas,we classified the rural regions into three areas,such as village,tow n and county. Then we laid dow n the performancebased seismic fortification standard and developed the corresponding seismic vulnerability analysis to calculate the discrete damage matrixes of the typical masonry buildings. Considering the difference of seismic hazard characteristic in different rural region,we obtained the earthquake hazard curve,analyzed the possible economic loss of various rural buildings structure under the future earthquake,and determined the corresponding earthquake insurance premium rate. By comparing the earthquake insurance premium rates of typical masonry buildings with different level and seismic fortification standards,we verified the rationality of the determining method for classifying the rural region into three areas to study the earthquake insurance premium rate considering different seismic hazard characteristic.
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