美联储-家庭、银行和保险公司对迈阿密飓风的风险敞口：风险分析流程（英）-2023.2

# 银行 # 保险公司 # 风险敞口大小：0.38M | 页数：56 | 上架时间：2023-02-15 | 语言：英文

美联储-家庭、银行和保险公司对迈阿密飓风的风险敞口：风险分析流程（英）-2023.2.pdf

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美联储-家庭、银行和保险公司对迈阿密飓风的风险敞口：风险分析流程（英）-2023.2.pdf

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类型: 专题

上传者: GHY-s

撰写机构: 美联储

出版日期: 2023-02-13

摘要：

We analyze possible future nancial losses in the event of hurricane damage to Miami residential real estate, where the hurricane's de- structiveness re ects climate-change. We focus on three scenarios: (i) a business-as-usual scenario, (ii) a Hurricane-Ian-spillovers scenario, and (iii) a cautious-markets scenario. We quantify bank exposures and loss rates, where exposures are proportional to the size of real estate markets and loss rates depend on post-hurricane devaluations and insurance coverage. This quantitative methodology could com- plement modeling of local economy impacts, stress on public nances, asset market losses, and other nancial developments that will also abect banks.

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