發(fā)布時間：2018-01-18 02:21

  本文關(guān)鍵詞：農(nóng)產(chǎn)品價格指數(shù)保險的可行性　出處：《保險研究》2014年01期 　論文類型：期刊論文

  更多相關(guān)文章： 價格風險 農(nóng)產(chǎn)品 農(nóng)業(yè)保險 產(chǎn)品創(chuàng)新 可行性

【摘要】：農(nóng)產(chǎn)品價格指數(shù)保險被視為是一種重要的農(nóng)業(yè)保險創(chuàng)新,得到了社會各界的高度重視。本文從價格風險管理和分散的視角出發(fā),對農(nóng)產(chǎn)品價格指數(shù)保險的可行性進行了理論上的分析和探討,首先對農(nóng)產(chǎn)品價格風險的可保性進行了分析,隨后指出了農(nóng)產(chǎn)品價格指數(shù)保險6種可能的風險分散途徑并對其可行性進行了具體分析,最后對國外發(fā)達國家承保農(nóng)產(chǎn)品價格風險的經(jīng)驗進行了介紹。研究認為,開展農(nóng)產(chǎn)品價格指數(shù)保險要特別關(guān)注其可能的巨災賠付風險;同質(zhì)性很強的農(nóng)產(chǎn)品(如糧棉油)可能并不適宜采用價格指數(shù)保險;對大部分農(nóng)產(chǎn)品來說,收入保險或收益保險可能是更好的選擇。
[Abstract]:Agricultural price index insurance is regarded as an important innovation of agricultural insurance, which has been highly valued by all walks of life. This paper starts from the perspective of price risk management and dispersion. The feasibility of agricultural product price index insurance is theoretically analyzed and discussed. Firstly, the insurability of agricultural product price risk is analyzed. Then it points out six possible risk dispersing ways of agricultural product price index insurance and makes a concrete analysis on its feasibility. Finally, the paper introduces the experience of overseas developed countries in underwriting the agricultural product price risk. The research shows that the agricultural product price index insurance should pay special attention to its possible catastrophe payment risk. Highly homogeneous agricultural products (such as grain, cotton and oil) may not be suitable for price index insurance; Income or income insurance may be a better option for most agricultural products.
【作者單位】： 中國農(nóng)業(yè)科學院農(nóng)業(yè)信息研究所;中國人民大學統(tǒng)計學院;
【分類號】：F842.6
【正文快照】： 一、引言2007年以來,在各級政府的大力支持下,我國政策性農(nóng)業(yè)保險取得了快速發(fā)展,業(yè)務規(guī)模躍居世界第二,開辦區(qū)域已擴展到全國所有省市自治區(qū),險種不斷豐富,覆蓋了農(nóng)林牧漁的各個方面。據(jù)保監(jiān)會統(tǒng)計,2007~2011年,農(nóng)業(yè)保險累計向7 000多萬戶農(nóng)戶支付保險賠款600多億元,戶均賠付，

本文編號：1439029