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中文摘要：
本文概述了我国地震保险研究的现状，提出了在考虑地震环境的基础上计算地震财产保险费率的方法，并分析了地震保险费率的各项影响因素，提出了地震保险费率影响因素的修正系数值；探讨了保险费与赔偿金额的计算问题；最后采用本文方法对1栋钢筋混凝土住宅结构进行了算例分析。结果表明，在计算地震保险净费率及赔偿金额时，考虑不同地区地震危险性的差异、合理设定免赔额均是十分必要的，为我国地震保险费率的厘定和赔付等问题提供了参考和依据。
英文摘要：
The paper summarized on the present state of earthquake insurance research in China. It proposed on the method of determining earthquake insurance premium rate by taking into account the seismic hazard characteristic zone. It also analyzed various factors affecting earthquake insurance premium rate, and suggested on the modified coefficients of these factors. Further on, the paper discussed on the computation method for insurance premiums and sums of compensation. It calculated the earthquake insurance premium rate and insured amount of a steel reinforced concrete building as an example, and the result indicated that when deciding on the net premium rate and the sums of compensation for earthquake insurance, it was very important to set reasonable deductible levels and take into consideration the variation of seismic hazard in different zones.
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