模块化天气指数保险产品的设计与定价
发布时间：2018-07-14 10:07
【摘要】：未参保的风险一直是中低收入国家贫困人口陷入贫困陷阱的主要原因之一,传统农业保险在交易成本、理赔效率、保费水平、信息不对称等方面存在不足使得其不能满足中低收入农户的风险管理需求。本文介绍了作为农业保险新兴形式的天气指数保险,介绍了具有代表性的WBCIS和IBLI指数保险系统的产品设计和定价方法,并在现存天气指数保险的启发下提出了模块化天气指数保险产品以满足气候资源丰富、农业多样化地区农户风险管理的需求。 本文通过分析目标市场农户的风险管理需求,把需求通过分解再组合的方式重新提供给参保农户,使他们在产品选择、风险偏好程度及参保标的方面有更多选择。本文设计了一揽子分别满足农户基本风险管理需求的模块化产品并分别定价,然后将基础产品按照农户需求重新组合。 本文的主要贡献在于：(1)在介绍WBCIS和IBLI指数保险系统并对其进行对比分析的基础上,设计了一揽子模块化基础产品并分别给出定价;(2)通过细化与重组参保农户的保险需求,拓展了农户在指数选择和触发点厘定方面的选择权。
[Abstract]:The risk of not participating in insurance has always been one of the main reasons for the poor in low- and middle-income countries to fall into the poverty trap. Traditional agricultural insurance covers transaction costs, claim efficiency, and premium levels. The lack of information asymmetry makes it unable to meet the risk management needs of middle and low income farmers. This paper introduces weather index insurance as a new form of agricultural insurance, and introduces the product design and pricing method of representative WBCIS and IBLI index insurance system. Under the inspiration of the existing weather index insurance, a modular weather index insurance product is proposed to meet the demand of farmers' risk management in areas with rich climate resources and agricultural diversity. By analyzing the risk management needs of farmers in the target market, this paper provides them with more choices in product selection, risk preference and the subject of insurance participation by decomposing and recombining the demand to the insured farmers. In this paper, we design a package of modular products to meet the farmers' basic risk management needs and price them separately, then recombine the basic products according to the farmers' needs. The main contributions of this paper are as follows: (1) based on the introduction and comparative analysis of WBCIS and IBLI index insurance system, a package of modular basic products is designed and priced separately; (2) the insurance needs of participating farmers are refined and reorganized. It expands the farmers' choice in index selection and trigger point determination.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
本文编号：2121311
[Abstract]:The risk of not participating in insurance has always been one of the main reasons for the poor in low- and middle-income countries to fall into the poverty trap. Traditional agricultural insurance covers transaction costs, claim efficiency, and premium levels. The lack of information asymmetry makes it unable to meet the risk management needs of middle and low income farmers. This paper introduces weather index insurance as a new form of agricultural insurance, and introduces the product design and pricing method of representative WBCIS and IBLI index insurance system. Under the inspiration of the existing weather index insurance, a modular weather index insurance product is proposed to meet the demand of farmers' risk management in areas with rich climate resources and agricultural diversity. By analyzing the risk management needs of farmers in the target market, this paper provides them with more choices in product selection, risk preference and the subject of insurance participation by decomposing and recombining the demand to the insured farmers. In this paper, we design a package of modular products to meet the farmers' basic risk management needs and price them separately, then recombine the basic products according to the farmers' needs. The main contributions of this paper are as follows: (1) based on the introduction and comparative analysis of WBCIS and IBLI index insurance system, a package of modular basic products is designed and priced separately; (2) the insurance needs of participating farmers are refined and reorganized. It expands the farmers' choice in index selection and trigger point determination.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
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