种植业多灾种综合险与区域产量指数保险中的大灾风险比较研究

发布时间：2018-06-27 10:29

本文选题：多灾种综合险 + 区域产量指数保险　；参考：《农业现代化研究》2017年05期

【摘要】：大灾风险分散制度是当前我国农业保险发展中的重点问题,而大灾风险是否可以作为指数农业保险相对于传统农业保险的优势之一,在文献中仍存在争论。采用种植业保险定价中的大灾风险附加费率以及大灾风险安全系数为关键指标,以湖南省常德市为实证案例,依托农户级别的抽样调查历史单产数据和县级历史单产统计数据,对多灾种综合险和区域产量指数保险的大灾风险进行对比分析,探讨指数农业保险在大灾风险上是否也比传统农业保险具有相对的优势。结果表明,当使用大灾风险附加费率衡量大灾风险时,多数县域的区域产量指数保险高于多灾种综合险,不同重现期水平下的绝对离差可达1.36%。当使用大灾风险安全系数衡量时,所有县域的区域产量指数保险均高于多灾种综合险,安全系数的绝对离差可达0.6。因此,区域产量指数保险可能较多灾种综合险拥有更高的大灾风险,在指数产品创新与实践的过程中,应在大灾风险转移制度上给予更高度的重视。
[Abstract]:The dispersion system of catastrophe risk is a key issue in the development of agricultural insurance in China at present. However, whether the risk of catastrophe can be regarded as one of the advantages of index agricultural insurance over traditional agricultural insurance is still debated in the literature. Taking Changde City of Hunan Province as an empirical case, the paper adopts the additional rate of major disaster risk and the safety factor of disaster risk in the pricing of crop insurance as the key index, and relies on the historical yield data and county-level historical yield statistical data from the sampling survey of peasant household level, and takes Changde City of Hunan Province as an empirical case. This paper makes a comparative analysis on the disaster risk of multi-disaster comprehensive insurance and regional yield index insurance, and discusses whether the index agricultural insurance has a comparative advantage over the traditional agricultural insurance in the disaster risk. The results show that the regional yield index insurance of most counties is higher than that of multi-disaster comprehensive insurance, and the absolute deviation under different recurrence periods can reach 1.36 when the additional rate of disaster risk is used to measure the disaster risk. When the safety coefficient of disaster risk is used, the regional yield index insurance of all counties is higher than that of multi-disaster comprehensive insurance, and the absolute deviation of safety factor can reach 0.6. Therefore, regional production index insurance may have a higher risk of major disasters than more comprehensive risks. In the process of innovation and practice of index products, more attention should be paid to the system of risk transfer of major disasters.
【作者单位】：北京师范大学/民政部—教育部减灾与应急管理研究院;北京师范大学地理科学学部;北京师范大学巨灾风险研究中心;中国人民财产保险股份有限公司;
【基金】：国家社会科学基金青年项目(16CJY081)~~
【分类号】：F842.66

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