【摘要】：我國是一個農(nóng)業(yè)大國，近年來頻發(fā)的農(nóng)業(yè)巨災(zāi)給我國的農(nóng)業(yè)生產(chǎn)造成巨大的損失，同時也影響著社會的安定。農(nóng)業(yè)巨災(zāi)保險正是分散這一風(fēng)險的重要方式，而我國至今為止，，對農(nóng)業(yè)巨災(zāi)保險的探索還很少，更別說一個完善的農(nóng)業(yè)巨災(zāi)保險體系。同時，巨災(zāi)保險也是當代全世界保險界研究的新課題之一，農(nóng)業(yè)巨災(zāi)保險也是我國建立巨災(zāi)保險體系的重要組成部分。 以往的研究中都沒有將一般農(nóng)業(yè)風(fēng)險與農(nóng)業(yè)巨災(zāi)風(fēng)險進行區(qū)分，這不利于對巨災(zāi)風(fēng)險的識別、評價和管理。將二者區(qū)分之后，筆者引入觸發(fā)補償機制替代傳統(tǒng)的損失補償機制，在觸發(fā)補償機制下設(shè)計農(nóng)業(yè)巨災(zāi)保險產(chǎn)品，承保的僅是農(nóng)業(yè)巨災(zāi)風(fēng)險，對于一般農(nóng)業(yè)風(fēng)險，農(nóng)業(yè)巨災(zāi)保險并不負責(zé)賠付。另外，觸發(fā)補償機制在很大程度上解決了逆選擇和道德風(fēng)險等問題。 本文綜合了現(xiàn)有學(xué)者研究的模式，結(jié)合我國的實際國情，在觸發(fā)補償機制的基礎(chǔ)上提出我國農(nóng)業(yè)巨災(zāi)保險新模式，并主張選擇政策性農(nóng)業(yè)巨災(zāi)保險模式。在具體的產(chǎn)品選擇上，認為觸發(fā)補償制保險產(chǎn)品比較適合我國發(fā)展農(nóng)業(yè)巨災(zāi)保險，在具體模式選擇上，主張根據(jù)我國社會、政治和經(jīng)濟的發(fā)展，綜合農(nóng)業(yè)保險公司的保險承保能力、保險產(chǎn)品和巨災(zāi)保險風(fēng)險管理水平等，設(shè)計農(nóng)業(yè)巨災(zāi)保險的模式。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)保險公司、農(nóng)業(yè)巨災(zāi)再保險公司、社會和國內(nèi)外其他形式的保險公司等。
[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】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.66

【參考文獻】

相關(guān)期刊論文 前10條

1 米建華;龍艷;;發(fā)達國家巨災(zāi)保險研究——基于英、美、日三國的經(jīng)驗[J];安徽農(nóng)業(yè)科學(xué);2007年21期

2 谷洪波;郭麗娜;;農(nóng)業(yè)巨災(zāi)損失及保險模式選擇[J];商業(yè)研究;2010年01期

3 謝家智;周振;;基于有限理性的農(nóng)業(yè)巨災(zāi)保險主體行為分析及優(yōu)化[J];保險研究;2009年07期

4 趙苑達;;巨災(zāi)保險制度模式分析與我國巨災(zāi)保險制度的架構(gòu)[J];財貿(mào)經(jīng)濟;2009年09期

5 張樂柱;孟兆娟;;基于外部性視角的農(nóng)業(yè)巨災(zāi)保險市場失靈分析[J];南方金融;2010年03期

6 祝健;洪宗華;;反思農(nóng)業(yè)巨災(zāi)保險改革60年:困境與思路[J];經(jīng)濟研究參考;2009年63期

7 王彤;王永生;;巨災(zāi)保險機制的國際經(jīng)驗和對中國的啟示[J];開放導(dǎo)報;2011年01期

8 張偉;岑敏華;郭頌平;;基于成本收益分配的中國農(nóng)業(yè)保險補貼模式——利益相關(guān)者理論視角[J];農(nóng)村經(jīng)濟;2011年11期

9 李小R

本文編號：2451105