天气指数保险及创新产品的比较研究

发布时间：2018-01-13 04:16

  本文关键词：天气指数保险及创新产品的比较研究　出处：《保险研究》2016年10期 　论文类型：期刊论文

  更多相关文章： 指数保险 天气指数保险 天气衍生品

【摘要】：本文从天气指数保险及衍生品创新的本质和内涵出发,通过三组比较来进行分析。首先是进行天气指数保险和传统保险的比较,进而了解天气指数保险在理赔流程上的变化以及从风险导因出发的风险管控形式;其次是天气指数保险和天气指数衍生品之间的比较,了解这两种天气指数保险创新形式的内在联系与实质区别,提出天气指数衍生品就是天气指数保险在资本市场的应用延伸;最后通过天气指数衍生品和传统金融衍生品的比较,得出两者并非替代关系而是互补关系,提出需要推出天气指数衍生产品进行有效的风险管理。
[Abstract]:This paper starts from the essence and connotation of the innovation of weather index insurance and derivatives, and analyzes it through three groups of comparisons. Firstly, the comparison between weather index insurance and traditional insurance is carried out. Then understand the change of the weather index insurance in the claim process and the risk management form from the risk cause; The second is the comparison between weather index insurance and weather index derivatives to understand the intrinsic relationship and substantive difference between these two innovative forms of weather index insurance. It is proposed that the weather index derivatives is the extension of the application of weather index insurance in the capital market. Finally, through the comparison of weather index derivatives and traditional financial derivatives, it is concluded that the two derivatives are not substitute relations but complementary relationships, and it is necessary to launch weather index derivatives to carry out effective risk management.
【作者单位】： 中国太平洋保险(集团)股份有限公司;复旦大学经济学院;
【分类号】：F842.66
【正文快照】： 一、引言2016年中央一号文件关于农业保险部分的描述明确表示:积极开发适应新型农业经营主体需求的保险品种,探索开展重要农产品目标价格保险、以及收入保险、天气指数保险试点,稳步扩大“保险+期货”试点。我国是一个农业大国,农业占全国GDP比重接近10%,农业人口占比超过40%,，

本文编号：1417414