湖南省能繁母猪养殖保险最优奖惩系统研究

发布时间：2018-12-09 16:53

【摘要】：我国农业保险保费收入在2007-2013的6年间以年均42.7%的速度从51.8亿元增长到了306.7亿元，使得我国成为仅次于美国的农业保险第二大国。而作为政策性农业保险的重要组成部分，政策性养殖业保险保费规模却因为道德风险一度萎缩，与农业保险迅猛的整体发展形势形成了强烈的反差。湖南省生猪出栏量连年排名全国第二，外销量在全国连年排名第一。作为生猪产业大省，，湖南省政府非常重视政策性养殖业保险工作，特别是保障生猪养殖基础的能繁母猪养殖保险工作。能繁母猪养殖保险道德风险高的问题自然得到了相关部门的高度关注。为了应对高道德风险问题，本文建议将奖惩系统引入能繁母猪养殖保险以利用价格手段、借助市场的无形之手改善保险公司的财务情况。具体而言，在归纳总结国内外成果的基础上，本文借鉴机动车辆保险奖惩系统经验，以邵学清构建的同时考虑赔付次数与赔付额度的奖惩系统为基础，选取赔付率为保费等级转移的标准，在国家政策性农业保险的相关政策约束条件下，以湖南省2007-2011年赔付数据为经验，设计了四个使得保险人在平稳状态下能达到财务平衡的奖惩系统方案。然后结合精算角度与实务角度，利用平稳性、收敛性、严厉性指标，选出了政策约束下预期激励和警示效果最佳、最适宜在实务中操作的湖南省能繁母猪养殖保险最优奖惩系统方案。最后，为了保证实施效果，本文就能繁母猪养殖保险奖惩系统的实施等问题提出了相关建议。
[Abstract]:China's agricultural insurance premium income increased from 5.18 billion yuan to 30.67 billion yuan in the six years from 2007 to 2013, making China the second largest agricultural insurance country after the United States. However, as an important part of policy-oriented agricultural insurance, the insurance premium scale of policy-oriented aquaculture industry shrinks for a time because of moral hazard, which contrasts strongly with the rapid development of agricultural insurance. Hunan Province ranks second in the number of live pigs in the country, the number of foreign sales in the country ranked first year after year. As a big province of pig industry, Hunan provincial government attaches great importance to the insurance of policy-oriented breeding, especially to the insurance of breeding sows based on the guarantee of pig breeding. The problem of high moral hazard of breeding insurance has naturally been highly concerned by relevant departments. In order to deal with the problem of high moral hazard, this paper suggests that the system of rewards and punishments should be introduced into the insurance system of breeding sows to improve the financial situation of insurance companies by means of price means and the invisible hand of the market. Specifically, on the basis of summing up the achievements at home and abroad, this paper draws lessons from the experience of the reward and punishment system of motor vehicle insurance, based on Shao Xueqing's system of rewards and punishments, which considers the number and amount of compensation at the same time. Selecting the compensation rate as the standard of premium grade transfer, under the condition of the relevant policy constraints of the national policy agricultural insurance, taking the data of compensation payment from 2007 to 2011 in Hunan Province as the experience, Four schemes of reward and punishment system are designed to make the insurer achieve financial balance in a stable state. Then combining the actuarial angle with the practical point of view, using the indicators of stability, convergence and severity, this paper selects the best expected incentive and warning effect under the policy constraints. The optimal scheme of reward and punishment system of Hunan Province breeding insurance for breeding sows is the most suitable for operation in practice. Finally, in order to ensure the implementation effect, this paper puts forward some suggestions on the implementation of the system of rewards and punishments for breeding sows.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F224;F842.66

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