Cite this article：
Lopera, C.C.F., Mendes, J.M. & Barata, E.J. Design of a Socially Inclusive Climate Risk Transfer Mechanism: A Case Study in La Guajira, Colombia. Int J Disaster Risk Sci (2024). https://doi.org/10.1007/s13753-024-00582-6
具有社会包容性的气候风险转移机制设计：以哥伦比亚拉瓜希拉省为例
Cristian Camilo Fernández Lopera, José Manuel Mendes & Eduardo Jorge Barata
摘要：
本研究的主要目标是基于差异化风险转移方法，开发一种具有社会包容性的气候风险保险（CRI）机制模型。本研究以哥伦比亚的拉瓜希拉省作为案例研究对象。由于拉瓜希拉省面临严峻的灾害风险，因此适合作为实施气候风险转移机制的典型区域。文章首先通过使用次级数据分析了该地区的风险状况。基于实地调研，本研究探讨了拉瓜希拉省最脆弱部门对气候相关灾害的社会经济影响和需求的看法、他们减少风险的适应性措施，以及他们对采用CRI的意愿。这些见解为CRI模型的构建提供了基础数据。基于此，本研究提出了一个操作结构，作为未来模型实施的基础数据。研究结果表明，国家和地方的灾害风险管理公共政策与各部门的需求和优先事项是一致的。加强部门协会的作用可以提升其在CRI项目中的代表性。对于女性企业家和土著社区而言，实物赔偿是更受欢迎的方式。CRI模型包括通过拉瓜希拉省的家庭补偿基金作为部门聚合器建立的风险池、应急信贷和传统/参数化保险。本研究开发的方法可以应用于全球不同的背景，为国家和国际气候风险融资倡议提供指导。
关键词：
哥伦比亚；灾害风险金融；灾害风险管理；拉瓜希拉省；气候风险保险；社会经济脆弱性
Design of a Socially Inclusive Climate Risk Transfer Mechanism: A Case Study in La Guajira, Colombia
Cristian Camilo Fernández Lopera, José Manuel Mendes & Eduardo Jorge Barata
Abstract：
The primary aim of this study was to develop a model of a socially inclusive climate risk insurance (CRI) mechanism based on the differential risk transfer approach. This study focused on the department of La Guajira, Colombia, as a case study. La Guajira is the department in Colombia that, due to its critical disaster risk conditions, presents the adequate configuration for implementing a climate risk transfer mechanism. The article starts by analyzing risk conditions by using secondary data. Based on fieldwork, this research explored the perspectives of the most vulnerable sectors in La Guajira Department on the socioeconomic impacts and needs they experience regarding climate-related hazards, their adaptive measures for risk reduction, and their willingness to adopt CRI. This represents the fundamental input for the formulation of the CRI model. Consequently, this research proposed an operational structure as input for future implementations of the model. The results indicate that national and local disaster risk management public policies align with the sectors’ needs and priorities. Strengthening sectoral associations can enhance representation in CRI projects. In-kind indemnization is preferred for women entrepreneurs and the indigenous community. The CRI model includes a risk pool through the family compensation fund of La Guajira as a sectoral agglomerator, with contingent credit and traditional/parametric insurance. The methodology developed in this study can be applied in different contexts worldwide as a guidance for informing national and international climate risk finance initiatives.
Keywords：
Colombia, Disaster risk financing, Disaster risk management, La Guajira, Climate risk insurance, Socioeconomic vulnerability
文章链接：
https://link.springer.com/article/10.1007/s13753-024-00582-6