天气指数保险及其定价研究
发布时间：2018-08-04 11:30
【摘要】：在广大发展中国家和欠发达地区,农业生产目前仍主要在露天进行,农业活动、农产品质量和产量等直接受天气气候事件的影响与制约。传统农业保险由于面临着道德风险、逆向选择、产品费率难确定、理赔工作难度大等经营难题,运行效果并非理想。相较于传统农业保险,作为农业风险管理创新工具之一的天气指数保险具有比较明显的优势。它可以降低逆向选择和道德风险,可以大幅度降低经营成本,吸引了许多发展中国家的密切关注与广泛试点推广。但其发展同样面临基差风险、政策支持、产品设计等困境,不少学者也从理论和实务中不断探索其发展方向和改进措施。 本文运用规范分析法与实证分析法,从阐述天气指数保险的相关理论基础出发,第4章详细介绍了天气指数保险的产品设计原理与费率厘定方法,第5章对于现行各发展中国家的天气指数保险产品设计做出细致分析对比,得出相应特点与对我国的经验启示。第6章以四川省玉米作为目标作物进行实证分析,初步厘定了四川省玉米降水天气指数保险的纯费率。最后结合国内外实际试点经验分析了天气指数保险在我国的可推广性问题及所需的政策支持,尝试为我国有效转移天气风险并适时逐步推广天气指数保险提供新途径新思路。
[Abstract]:In developing countries and underdeveloped areas, agricultural production is still mainly carried out in the open air. Agricultural activities, quality and output of agricultural products are directly affected and restricted by weather and climate events. Traditional agricultural insurance is faced with moral hazard, adverse selection, difficult to determine the product rate, and difficult to settle claims, so the operation effect is not ideal. Compared with traditional agricultural insurance, weather index insurance, as one of the innovative tools of agricultural risk management, has obvious advantages. It can reduce the adverse selection and moral hazard, reduce the operating cost by a large margin, and attract the close attention and extensive pilot promotion of many developing countries. However, its development also faces the risk of base difference, policy support, product design and other difficulties, many scholars have been exploring the direction of its development and improvement measures from the theory and practice. Based on the theoretical basis of weather index insurance, chapter 4 introduces the design principle of weather index insurance and the method of rate determination in detail. Chapter 5 makes a detailed analysis and comparison on the design of weather index insurance products in various developing countries, and draws the corresponding characteristics and enlightenment to our country. Chapter 6 takes Sichuan corn as the target crop for empirical analysis, and preliminarily determines the net rate of precipitation weather index insurance in Sichuan Province. Finally, this paper analyzes the extensibility of weather index insurance in our country and the policy support it needs, and tries to provide a new way and new idea for effectively transferring weather risk and popularizing weather index insurance step by step in China.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66
本文编号：2163849
[Abstract]:In developing countries and underdeveloped areas, agricultural production is still mainly carried out in the open air. Agricultural activities, quality and output of agricultural products are directly affected and restricted by weather and climate events. Traditional agricultural insurance is faced with moral hazard, adverse selection, difficult to determine the product rate, and difficult to settle claims, so the operation effect is not ideal. Compared with traditional agricultural insurance, weather index insurance, as one of the innovative tools of agricultural risk management, has obvious advantages. It can reduce the adverse selection and moral hazard, reduce the operating cost by a large margin, and attract the close attention and extensive pilot promotion of many developing countries. However, its development also faces the risk of base difference, policy support, product design and other difficulties, many scholars have been exploring the direction of its development and improvement measures from the theory and practice. Based on the theoretical basis of weather index insurance, chapter 4 introduces the design principle of weather index insurance and the method of rate determination in detail. Chapter 5 makes a detailed analysis and comparison on the design of weather index insurance products in various developing countries, and draws the corresponding characteristics and enlightenment to our country. Chapter 6 takes Sichuan corn as the target crop for empirical analysis, and preliminarily determines the net rate of precipitation weather index insurance in Sichuan Province. Finally, this paper analyzes the extensibility of weather index insurance in our country and the policy support it needs, and tries to provide a new way and new idea for effectively transferring weather risk and popularizing weather index insurance step by step in China.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66
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