【摘要】：未參保的風(fēng)險一直是中低收入國家貧困人口陷入貧困陷阱的主要原因之一,傳統(tǒng)農(nóng)業(yè)保險在交易成本、理賠效率、保費水平、信息不對稱等方面存在不足使得其不能滿足中低收入農(nóng)戶的風(fēng)險管理需求。本文介紹了作為農(nóng)業(yè)保險新興形式的天氣指數(shù)保險,介紹了具有代表性的WBCIS和IBLI指數(shù)保險系統(tǒng)的產(chǎn)品設(shè)計和定價方法,并在現(xiàn)存天氣指數(shù)保險的啟發(fā)下提出了模塊化天氣指數(shù)保險產(chǎn)品以滿足氣候資源豐富、農(nóng)業(yè)多樣化地區(qū)農(nóng)戶風(fēng)險管理的需求。 本文通過分析目標(biāo)市場農(nóng)戶的風(fēng)險管理需求,把需求通過分解再組合的方式重新提供給參保農(nóng)戶,使他們在產(chǎn)品選擇、風(fēng)險偏好程度及參保標(biāo)的方面有更多選擇。本文設(shè)計了一攬子分別滿足農(nóng)戶基本風(fēng)險管理需求的模塊化產(chǎn)品并分別定價,然后將基礎(chǔ)產(chǎn)品按照農(nóng)戶需求重新組合。 本文的主要貢獻(xiàn)在于：(1)在介紹WBCIS和IBLI指數(shù)保險系統(tǒng)并對其進(jìn)行對比分析的基礎(chǔ)上,設(shè)計了一攬子模塊化基礎(chǔ)產(chǎn)品并分別給出定價;(2)通過細(xì)化與重組參保農(nóng)戶的保險需求,拓展了農(nóng)戶在指數(shù)選擇和觸發(fā)點厘定方面的選擇權(quán)。
[Abstract]:The risk of not participating in insurance has always been one of the main reasons for the poor in low- and middle-income countries to fall into the poverty trap. Traditional agricultural insurance covers transaction costs, claim efficiency, and premium levels. The lack of information asymmetry makes it unable to meet the risk management needs of middle and low income farmers. This paper introduces weather index insurance as a new form of agricultural insurance, and introduces the product design and pricing method of representative WBCIS and IBLI index insurance system. Under the inspiration of the existing weather index insurance, a modular weather index insurance product is proposed to meet the demand of farmers' risk management in areas with rich climate resources and agricultural diversity. By analyzing the risk management needs of farmers in the target market, this paper provides them with more choices in product selection, risk preference and the subject of insurance participation by decomposing and recombining the demand to the insured farmers. In this paper, we design a package of modular products to meet the farmers' basic risk management needs and price them separately, then recombine the basic products according to the farmers' needs. The main contributions of this paper are as follows: (1) based on the introduction and comparative analysis of WBCIS and IBLI index insurance system, a package of modular basic products is designed and priced separately; (2) the insurance needs of participating farmers are refined and reorganized. It expands the farmers' choice in index selection and trigger point determination.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.66

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