摘要
农产品价格指数保险被视为是一种重要的农业保险创新,得到了社会各界的高度重视。本文从价格风险管理和分散的视角出发,对农产品价格指数保险的可行性进行了理论上的分析和探讨,首先对农产品价格风险的可保性进行了分析,随后指出了农产品价格指数保险6种可能的风险分散途径并对其可行性进行了具体分析,最后对国外发达国家承保农产品价格风险的经验进行了介绍。研究认为,开展农产品价格指数保险要特别关注其可能的巨灾赔付风险;同质性很强的农产品(如粮棉油)可能并不适宜采用价格指数保险;对大部分农产品来说,收入保险或收益保险可能是更好的选择。
As an important agricultural insurance innovation, farm produce price index insurance has received wide attention from all walks of life. From the perspective of price risk management, this paper made a theoretical exploration on the feasibility of farm produce price index insurance. It first studied the insurability of price risks of farm produce. Then it pointed out the 6 methods for dispersing farm produce price risks and elaborated on their feasibilities respectively. Finally, it introduced experiences of developed countries for insuring against price risks of farm produce. It concluded that special attention should be paid to catastrophe risks when operating farm produce price index insurance, homogeneous risks such as grains, cotton and cooking oil might not be suitable for price index insurance business, and for most types of farm produce, revenue insurance or income insurance were better options.
出处
《保险研究》
CSSCI
北大核心
2014年第1期40-45,共6页
Insurance Studies
关键词
价格风险
农产品
农业保险
产品创新
可行性
price risk
farm produce
agricultural insurance
product innovation
feasibility
作者简介
王克，助理研究员，在职博士研究生，研究方向：农业保险和农业风险评估；
张峭，博士生导师，长期从事农业保险和农业风险管理研究；
肖宇谷，中国人民大学统计学院副教授；
汪必旺，中国农业科学院农业信息研究所博士研究生；
赵思健，中国农业科学院农业信息研究所副研究员；
赵俊晔，中国农业科学院农业信息研究所副研究员。
