玉米收入保险问题研究

发布时间：2018-05-08 13:21

本文选题：玉米收入保险 + 市场风险管理　；参考：《河北经贸大学》2017年硕士论文

【摘要】：玉米同时具有粮食、饲料、经济作物三大属性,玉米产业也横跨第一、第二、第三产业,玉米产量、供求、价格等变化对人们的生活、经济稳定以及国家粮食安全影响重大。玉米也在我国粮食连年增产和保障国家粮食安全中做出了重要贡献。但在多年的玉米临时收储政策以及国内生产成本、国际市场环境等因素的影响下,玉米生产出现了库存积压、国内外价格倒挂、种植收益下降、市场风险加大等一系列问题。从2007年对农业保险实施财政补贴以来,我国的玉米种植保险发展迅速,承保覆盖率也不断提高,对玉米种植的自然风险管理发挥了重要作用。但随着农业生产方式转变和现代农业的发展,市场风险正在成为农业生产所面临的突出风险。低保障、广覆盖且仅保障自然风险的玉米种植保险已无法满足农民全面的风险管理需求。因此,针对目前的玉米生产发展现状、价格形成机制的改革以及玉米种植者的实际需求,探索研究玉米收入保险具有重要意义。2016年中央一号文件也提出要完善农业保险制度,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。2017年中央一号文件则明确提出,要探索建立农产品收入保险制度。从国际经验来看,收入保险也是美国等发达国家主导的、非常受欢迎的农作物保险种类,在农产品价格风险管理中发挥着独特的作用。今年以来,我国中央政府相关部门和很多保险公司也加快了收入保险的研究和探索。本文在我国当前玉米生产、玉米保险发展现状和存在问题进行分析的基础上,深入阐述了我国当前开展玉米收入保险的重要意义和有利条件,并在美国农作物收入保险经验借鉴的基础上,利用我国1978-2015年的玉米单产和价格数据,通过Copula函数方法对玉米收入保险进行了费率厘定。最后,提出了促进玉米收入保险发展的对策建议。玉米收入保险不仅可以为农民提供市场风险管理工具,丰富农业保险产品体系,更能在玉米结构调整、价格形成机制改革、玉米规模化种植生产、维护农民玉米种植收益和积极性中发挥重要作用。本文的相关分析、产品设计、定价思路以及对策建议等内容可以在一定程度上丰富我国玉米收入保险的理论研究,为玉米收入保险的实践探索提供些许参考。
[Abstract]:Corn also has three attributes of grain, feed and cash crops, and the corn industry also spans the first, second, tertiary industry, corn yield, supply and demand, price and other changes to people's lives, economic stability and national food security. Corn has also made an important contribution to increasing grain production and ensuring national food security. However, under the influence of the policy of temporary corn storage, domestic production cost and international market environment for many years, a series of problems appeared in maize production, such as stock backlog, domestic and foreign price upside down, the decline of planting income, the increase of market risk, and so on. Since the implementation of financial subsidy to agricultural insurance in 2007, corn planting insurance in China has developed rapidly and the coverage rate has been continuously increased, which has played an important role in the natural risk management of maize planting. However, with the transformation of agricultural production mode and the development of modern agriculture, market risk is becoming a prominent risk faced by agricultural production. The corn planting insurance with low security, wide coverage and only natural risk can not meet the farmers' overall risk management needs. Therefore, in view of the current situation of corn production and development, the reform of price formation mechanism and the actual needs of maize growers, it is of great significance to explore and study corn income insurance. To explore the development of important agricultural products target price insurance, income insurance, weather index insurance pilot. 2017 document No. 1 clearly proposed to explore the establishment of agricultural income insurance system. From the international experience, income insurance is also the leading and very popular crop insurance type in developed countries such as the United States, which plays a unique role in the management of agricultural product price risk. Since this year, the relevant departments of the central government and many insurance companies have also accelerated the research and exploration of income insurance. Based on the analysis of the current situation and existing problems of corn production and corn insurance in China, this paper expounds in depth the significance and favorable conditions of the current development of corn income insurance in China. Based on the experience of crop income insurance in the United States and the data of maize yield and price from 1978 to 2015 in China, the Copula function is used to determine the rate of corn income insurance. Finally, the countermeasures and suggestions to promote the development of corn income insurance are put forward. Corn income insurance can not only provide farmers with market risk management tools, enrich the agricultural insurance product system, but also be able to adjust the structure of corn, reform the price formation mechanism, and produce corn on a large scale. Maintaining farmers' corn planting income and enthusiasm play an important role. The related analysis, product design, pricing ideas and suggestions can enrich the theoretical research of corn income insurance in China to a certain extent, and provide some references for the practical exploration of corn income insurance.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66

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