基于触发补偿机制的我国农业巨灾保险研究
发布时间：2019-03-31 17:08
【摘要】：我国是一个农业大国，近年来频发的农业巨灾给我国的农业生产造成巨大的损失，同时也影响着社会的安定。农业巨灾保险正是分散这一风险的重要方式，而我国至今为止，，对农业巨灾保险的探索还很少，更别说一个完善的农业巨灾保险体系。同时，巨灾保险也是当代全世界保险界研究的新课题之一，农业巨灾保险也是我国建立巨灾保险体系的重要组成部分。 以往的研究中都没有将一般农业风险与农业巨灾风险进行区分，这不利于对巨灾风险的识别、评价和管理。将二者区分之后，笔者引入触发补偿机制替代传统的损失补偿机制，在触发补偿机制下设计农业巨灾保险产品，承保的仅是农业巨灾风险，对于一般农业风险，农业巨灾保险并不负责赔付。另外，触发补偿机制在很大程度上解决了逆选择和道德风险等问题。 本文综合了现有学者研究的模式，结合我国的实际国情，在触发补偿机制的基础上提出我国农业巨灾保险新模式，并主张选择政策性农业巨灾保险模式。在具体的产品选择上，认为触发补偿制保险产品比较适合我国发展农业巨灾保险，在具体模式选择上，主张根据我国社会、政治和经济的发展，综合农业保险公司的保险承保能力、保险产品和巨灾保险风险管理水平等，设计农业巨灾保险的模式。该模式主要的参与主体由中央政府、地方政府、农户、农业巨灾保险公司、农业巨灾再保险公司、社会和国内外其他形式的保险公司等。
[Abstract]:China is a big agricultural country, the frequent agricultural catastrophe in recent years has caused huge losses to our agricultural production, and also affected the stability of the society. Agricultural catastrophe insurance is an important way to disperse this risk, but up to now, the exploration of agricultural catastrophe insurance in China is still very little, let alone a perfect agricultural catastrophe insurance system. At the same time, catastrophe insurance is also one of the new research topics of insurance circles all over the world. Agricultural catastrophe insurance is also an important part of the establishment of catastrophe insurance system in China. In previous studies, general agricultural risks and agricultural catastrophe risks have not been distinguished, which is not conducive to the identification, evaluation and management of catastrophe risks. After distinguishing the two, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism, designs the agricultural catastrophe insurance products under the trigger compensation mechanism, only covers the agricultural catastrophe risk, and for the general agricultural risk, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism. Agricultural catastrophe insurance is not responsible for compensation. In addition, the trigger compensation mechanism solves the problems of adverse selection and moral hazard to a great extent. In this paper, a new mode of agricultural catastrophe insurance in China is put forward on the basis of trigger compensation mechanism, and the mode of policy-based agricultural catastrophe insurance is proposed in the light of the actual situation of our country. In terms of specific product selection, it is considered that trigger compensation insurance products are more suitable for the development of agricultural catastrophe insurance in China. On the choice of specific models, the author advocates that according to the social, political and economic development of our country, Comprehensive agricultural insurance company insurance ability, insurance products and catastrophe insurance risk management level, design agricultural catastrophe insurance model. The main participants in the model are central government, local government, farmers, agricultural catastrophe insurance companies, agricultural catastrophe reinsurance companies, social and other forms of insurance companies at home and abroad.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
[Abstract]:China is a big agricultural country, the frequent agricultural catastrophe in recent years has caused huge losses to our agricultural production, and also affected the stability of the society. Agricultural catastrophe insurance is an important way to disperse this risk, but up to now, the exploration of agricultural catastrophe insurance in China is still very little, let alone a perfect agricultural catastrophe insurance system. At the same time, catastrophe insurance is also one of the new research topics of insurance circles all over the world. Agricultural catastrophe insurance is also an important part of the establishment of catastrophe insurance system in China. In previous studies, general agricultural risks and agricultural catastrophe risks have not been distinguished, which is not conducive to the identification, evaluation and management of catastrophe risks. After distinguishing the two, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism, designs the agricultural catastrophe insurance products under the trigger compensation mechanism, only covers the agricultural catastrophe risk, and for the general agricultural risk, the author introduces the trigger compensation mechanism to replace the traditional loss compensation mechanism. Agricultural catastrophe insurance is not responsible for compensation. In addition, the trigger compensation mechanism solves the problems of adverse selection and moral hazard to a great extent. In this paper, a new mode of agricultural catastrophe insurance in China is put forward on the basis of trigger compensation mechanism, and the mode of policy-based agricultural catastrophe insurance is proposed in the light of the actual situation of our country. In terms of specific product selection, it is considered that trigger compensation insurance products are more suitable for the development of agricultural catastrophe insurance in China. On the choice of specific models, the author advocates that according to the social, political and economic development of our country, Comprehensive agricultural insurance company insurance ability, insurance products and catastrophe insurance risk management level, design agricultural catastrophe insurance model. The main participants in the model are central government, local government, farmers, agricultural catastrophe insurance companies, agricultural catastrophe reinsurance companies, social and other forms of insurance companies at home and abroad.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
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