以再保险为基础的我国农业保险巨灾风险分散机制构建研究

发布时间：2018-01-15 21:19

本文关键词：以再保险为基础的我国农业保险巨灾风险分散机制构建研究　出处：《农业经济》2016年07期 　论文类型：期刊论文

【摘要】：农业生产与发展关乎农民的利益,也影响着农村经济的稳步发展、社会经济的稳步发展以及人们生活质量的持续提升。所以,对于农业生产,我们应当有足够的认识以及充分的关注。农业保险,是一种农业风险分散机制,它在保障农业稳定生产与发展、促进农村的经济发展、增加农民收入等方面均具有举足轻重的意义,它是国家支持农业生产的重要政策。不过,在农业保险承保量逐渐递增的同时,巨灾保险的赔偿等问题也逐渐涌现,巨灾风险分散机制的建设刻不容缓。基于此,以再保险为出发点,分析农业保险巨灾风险分散机制建设的优化策略,以期促进农业生产快速发展。
[Abstract]:Agricultural production and development is related to the interests of farmers, but also affects the steady development of rural economy, the steady development of social economy and the continuous improvement of people's quality of life. Agricultural insurance is a kind of agricultural risk dispersing mechanism, which can guarantee the stable production and development of agriculture and promote the economic development of the countryside. Increasing farmers' income is of great significance. It is an important policy for the state to support agricultural production. However, the amount of agricultural insurance insurance is increasing gradually at the same time. Catastrophe insurance compensation and other problems have emerged gradually, and the construction of catastrophe risk dispersing mechanism is urgent. Based on this, this paper analyzes the optimization strategy of agricultural insurance catastrophe risk dispersion mechanism construction based on reinsurance. With a view to promoting the rapid development of agricultural production.
【作者单位】：成都师范学院;
【分类号】：F842.66
【正文快照】： 天灾不可避免,发生旱灾、水灾等巨灾现象并不罕见。从2004年开始,农业保险尤其是政策性农业保险呈现出了迅猛发展势头,其规模也逐渐庞大起来。但是,面对巨灾时,如果保险公司的资金储备不充分,导致无法满足赔偿需求,那么农业保险的良性循环将被破坏,甚至有可能会转向恶性循环中

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