【摘要】：我國(guó)是一個(gè)農(nóng)業(yè)大國(guó)，近年來(lái)頻發(fā)的農(nóng)業(yè)巨災(zāi)給我國(guó)的農(nóng)業(yè)生產(chǎn)造成巨大的損失，同時(shí)也影響著社會(huì)的安定。農(nóng)業(yè)巨災(zāi)保險(xiǎn)正是分散這一風(fēng)險(xiǎn)的重要方式，而我國(guó)至今為止，，對(duì)農(nóng)業(yè)巨災(zāi)保險(xiǎn)的探索還很少，更別說(shuō)一個(gè)完善的農(nóng)業(yè)巨災(zāi)保險(xiǎn)體系。同時(shí)，巨災(zāi)保險(xiǎn)也是當(dāng)代全世界保險(xiǎn)界研究的新課題之一，農(nóng)業(yè)巨災(zāi)保險(xiǎn)也是我國(guó)建立巨災(zāi)保險(xiǎn)體系的重要組成部分。 以往的研究中都沒(méi)有將一般農(nóng)業(yè)風(fēng)險(xiǎn)與農(nóng)業(yè)巨災(zāi)風(fēng)險(xiǎn)進(jìn)行區(qū)分，這不利于對(duì)巨災(zāi)風(fēng)險(xiǎn)的識(shí)別、評(píng)價(jià)和管理。將二者區(qū)分之后，筆者引入觸發(fā)補(bǔ)償機(jī)制替代傳統(tǒng)的損失補(bǔ)償機(jī)制，在觸發(fā)補(bǔ)償機(jī)制下設(shè)計(jì)農(nóng)業(yè)巨災(zāi)保險(xiǎn)產(chǎn)品，承保的僅是農(nóng)業(yè)巨災(zāi)風(fēng)險(xiǎn)，對(duì)于一般農(nóng)業(yè)風(fēng)險(xiǎn)，農(nóng)業(yè)巨災(zāi)保險(xiǎn)并不負(fù)責(zé)賠付。另外，觸發(fā)補(bǔ)償機(jī)制在很大程度上解決了逆選擇和道德風(fēng)險(xiǎn)等問(wèn)題。 本文綜合了現(xiàn)有學(xué)者研究的模式，結(jié)合我國(guó)的實(shí)際國(guó)情，在觸發(fā)補(bǔ)償機(jī)制的基礎(chǔ)上提出我國(guó)農(nóng)業(yè)巨災(zāi)保險(xiǎn)新模式，并主張選擇政策性農(nóng)業(yè)巨災(zāi)保險(xiǎn)模式。在具體的產(chǎn)品選擇上，認(rèn)為觸發(fā)補(bǔ)償制保險(xiǎn)產(chǎn)品比較適合我國(guó)發(fā)展農(nóng)業(yè)巨災(zāi)保險(xiǎn)，在具體模式選擇上，主張根據(jù)我國(guó)社會(huì)、政治和經(jīng)濟(jì)的發(fā)展，綜合農(nóng)業(yè)保險(xiǎn)公司的保險(xiǎn)承保能力、保險(xiǎn)產(chǎn)品和巨災(zāi)保險(xiǎn)風(fēng)險(xiǎn)管理水平等，設(shè)計(jì)農(nóng)業(yè)巨災(zāi)保險(xiǎn)的模式。該模式主要的參與主體由中央政府、地方政府、農(nóng)戶、農(nóng)業(yè)巨災(zāi)保險(xiǎn)公司、農(nóng)業(yè)巨災(zāi)再保險(xiǎn)公司、社會(huì)和國(guó)內(nèi)外其他形式的保險(xiǎn)公司等。
[Abstract]:China is a big agricultural country, the frequent agricultural catastrophe in recent years has caused huge losses to our agricultural production, and also affected the stability of the society. Agricultural catastrophe insurance is an important way to disperse this risk, but up to now, the exploration of agricultural catastrophe insurance in China is still very little, let alone a perfect agricultural catastrophe insurance system. At the same time, catastrophe insurance is also one of the new research topics of insurance circles all over the world. Agricultural catastrophe insurance is also an important part of the establishment of catastrophe insurance system in China. In previous studies, general agricultural risks and agricultural catastrophe risks have not been distinguished, which is not conducive to the identification, evaluation and management of catastrophe risks. After distinguishing the two, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism, designs the agricultural catastrophe insurance products under the trigger compensation mechanism, only covers the agricultural catastrophe risk, and for the general agricultural risk, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism. Agricultural catastrophe insurance is not responsible for compensation. In addition, the trigger compensation mechanism solves the problems of adverse selection and moral hazard to a great extent. In this paper, a new mode of agricultural catastrophe insurance in China is put forward on the basis of trigger compensation mechanism, and the mode of policy-based agricultural catastrophe insurance is proposed in the light of the actual situation of our country. In terms of specific product selection, it is considered that trigger compensation insurance products are more suitable for the development of agricultural catastrophe insurance in China. On the choice of specific models, the author advocates that according to the social, political and economic development of our country, Comprehensive agricultural insurance company insurance ability, insurance products and catastrophe insurance risk management level, design agricultural catastrophe insurance model. The main participants in the model are central government, local government, farmers, agricultural catastrophe insurance companies, agricultural catastrophe reinsurance companies, social and other forms of insurance companies at home and abroad.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F842.66

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