湖南省能繁母豬養(yǎng)殖保險最優(yōu)獎懲系統(tǒng)研究
發(fā)布時間：2018-12-09 16:53
【摘要】：我國農(nóng)業(yè)保險保費收入在2007-2013的6年間以年均42.7%的速度從51.8億元增長到了306.7億元，使得我國成為僅次于美國的農(nóng)業(yè)保險第二大國。而作為政策性農(nóng)業(yè)保險的重要組成部分，政策性養(yǎng)殖業(yè)保險保費規(guī)模卻因為道德風(fēng)險一度萎縮，與農(nóng)業(yè)保險迅猛的整體發(fā)展形勢形成了強烈的反差。湖南省生豬出欄量連年排名全國第二，外銷量在全國連年排名第一。作為生豬產(chǎn)業(yè)大省，，湖南省政府非常重視政策性養(yǎng)殖業(yè)保險工作，特別是保障生豬養(yǎng)殖基礎(chǔ)的能繁母豬養(yǎng)殖保險工作。能繁母豬養(yǎng)殖保險道德風(fēng)險高的問題自然得到了相關(guān)部門的高度關(guān)注。 為了應(yīng)對高道德風(fēng)險問題，本文建議將獎懲系統(tǒng)引入能繁母豬養(yǎng)殖保險以利用價格手段、借助市場的無形之手改善保險公司的財務(wù)情況。具體而言，在歸納總結(jié)國內(nèi)外成果的基礎(chǔ)上，本文借鑒機動車輛保險獎懲系統(tǒng)經(jīng)驗，以邵學(xué)清構(gòu)建的同時考慮賠付次數(shù)與賠付額度的獎懲系統(tǒng)為基礎(chǔ)，選取賠付率為保費等級轉(zhuǎn)移的標準，在國家政策性農(nóng)業(yè)保險的相關(guān)政策約束條件下，以湖南省2007-2011年賠付數(shù)據(jù)為經(jīng)驗，設(shè)計了四個使得保險人在平穩(wěn)狀態(tài)下能達到財務(wù)平衡的獎懲系統(tǒng)方案。然后結(jié)合精算角度與實務(wù)角度，利用平穩(wěn)性、收斂性、嚴厲性指標，選出了政策約束下預(yù)期激勵和警示效果最佳、最適宜在實務(wù)中操作的湖南省能繁母豬養(yǎng)殖保險最優(yōu)獎懲系統(tǒng)方案。最后，為了保證實施效果，本文就能繁母豬養(yǎng)殖保險獎懲系統(tǒng)的實施等問題提出了相關(guān)建議。
[Abstract]:China's agricultural insurance premium income increased from 5.18 billion yuan to 30.67 billion yuan in the six years from 2007 to 2013, making China the second largest agricultural insurance country after the United States. However, as an important part of policy-oriented agricultural insurance, the insurance premium scale of policy-oriented aquaculture industry shrinks for a time because of moral hazard, which contrasts strongly with the rapid development of agricultural insurance. Hunan Province ranks second in the number of live pigs in the country, the number of foreign sales in the country ranked first year after year. As a big province of pig industry, Hunan provincial government attaches great importance to the insurance of policy-oriented breeding, especially to the insurance of breeding sows based on the guarantee of pig breeding. The problem of high moral hazard of breeding insurance has naturally been highly concerned by relevant departments. In order to deal with the problem of high moral hazard, this paper suggests that the system of rewards and punishments should be introduced into the insurance system of breeding sows to improve the financial situation of insurance companies by means of price means and the invisible hand of the market. Specifically, on the basis of summing up the achievements at home and abroad, this paper draws lessons from the experience of the reward and punishment system of motor vehicle insurance, based on Shao Xueqing's system of rewards and punishments, which considers the number and amount of compensation at the same time. Selecting the compensation rate as the standard of premium grade transfer, under the condition of the relevant policy constraints of the national policy agricultural insurance, taking the data of compensation payment from 2007 to 2011 in Hunan Province as the experience, Four schemes of reward and punishment system are designed to make the insurer achieve financial balance in a stable state. Then combining the actuarial angle with the practical point of view, using the indicators of stability, convergence and severity, this paper selects the best expected incentive and warning effect under the policy constraints. The optimal scheme of reward and punishment system of Hunan Province breeding insurance for breeding sows is the most suitable for operation in practice. Finally, in order to ensure the implementation effect, this paper puts forward some suggestions on the implementation of the system of rewards and punishments for breeding sows.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F224;F842.66
本文編號：2369724
[Abstract]:China's agricultural insurance premium income increased from 5.18 billion yuan to 30.67 billion yuan in the six years from 2007 to 2013, making China the second largest agricultural insurance country after the United States. However, as an important part of policy-oriented agricultural insurance, the insurance premium scale of policy-oriented aquaculture industry shrinks for a time because of moral hazard, which contrasts strongly with the rapid development of agricultural insurance. Hunan Province ranks second in the number of live pigs in the country, the number of foreign sales in the country ranked first year after year. As a big province of pig industry, Hunan provincial government attaches great importance to the insurance of policy-oriented breeding, especially to the insurance of breeding sows based on the guarantee of pig breeding. The problem of high moral hazard of breeding insurance has naturally been highly concerned by relevant departments. In order to deal with the problem of high moral hazard, this paper suggests that the system of rewards and punishments should be introduced into the insurance system of breeding sows to improve the financial situation of insurance companies by means of price means and the invisible hand of the market. Specifically, on the basis of summing up the achievements at home and abroad, this paper draws lessons from the experience of the reward and punishment system of motor vehicle insurance, based on Shao Xueqing's system of rewards and punishments, which considers the number and amount of compensation at the same time. Selecting the compensation rate as the standard of premium grade transfer, under the condition of the relevant policy constraints of the national policy agricultural insurance, taking the data of compensation payment from 2007 to 2011 in Hunan Province as the experience, Four schemes of reward and punishment system are designed to make the insurer achieve financial balance in a stable state. Then combining the actuarial angle with the practical point of view, using the indicators of stability, convergence and severity, this paper selects the best expected incentive and warning effect under the policy constraints. The optimal scheme of reward and punishment system of Hunan Province breeding insurance for breeding sows is the most suitable for operation in practice. Finally, in order to ensure the implementation effect, this paper puts forward some suggestions on the implementation of the system of rewards and punishments for breeding sows.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F224;F842.66
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