农业气象指数保险产品研究与试验述评

发布时间：2018-02-01 13:23

本文关键词： 气象指数保险产品设计开展试点互动评析　出处：《经济问题》2016年09期 　论文类型：期刊论文

【摘要】：农业气象指数保险作为我国重要的农业保险创新工具,在研究层面和试点层面均得到了快速进展,但目前其在两层面的互动结合较差,从而降低了我国农业气象指数保险的整体效率。究其原因,研发层面存在产品设计较少贴近实际,科学性较低,多因子技术尚未攻克的问题;实践层面存在对研发成果缺少主动性需求,试验产品强调操作性忽视科学性,市场成熟度较低等问题。今后的发展既需要理论层面转变产品设计观念,加强区域性产品的研发力度;也需要实践层面完善已有业务,拓展产品的新方向新领域;还需要政府积极构建有效的互动平台,加大对气象指数保险产品的扶持力度。
[Abstract]:As an important innovative tool of agricultural insurance in China, agrometeorological index insurance has made rapid progress in both the research and the pilot level, but its interaction and integration between the two levels is poor at present. Therefore, the overall efficiency of agrometeorological index insurance in China is reduced. The reason is that the product design is less close to reality, the scientific nature is lower, and the multi-factor technology has not been solved. There are some problems in practice, such as the lack of active demand for R & D achievements, the emphasis on operability ignoring scientific nature, low market maturity, etc. In the future development, it is necessary to change the concept of product design at the theoretical level. Strengthen the regional product R & D; also need to improve the existing business in practice to expand the new direction and new areas of products; also need the government to actively build an effective interactive platform to increase the support of meteorological index insurance products.
【作者单位】：山东农业大学经济管理学院;
【基金】：国家自然科学基金项目“区域性农业干旱、强风、低温气象指数保险产品设计与应用研究”(71173139)
【分类号】：F842.66
【正文快照】： 自2007年实施财政补贴以来,我国农业保险业务得到迅速发展,但传统农业保险存在的管理和技术难题尚未得到有效解决。农业气象指数保险具有降低管理成本、结构标准透明等优点,能有效解决我国小农户经营导致的农业保险业务难题。2009年以来,我国农业保险的理论与实业界逐渐认识到

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