政府农业巨灾风险分摊比例研究——以河南小麦保险为例

被引:3
作者
霍然
王克
张峭
机构
[1] 中国农业科学院农业信息研究所
关键词
农业保险; 巨灾风险; 分摊比例;
D O I
暂无
中图分类号
F842.66 [];
学科分类号
120404 ; 020204 ;
摘要
农业巨灾风险管理是农业保险体系健康发展的重要前提和必要保障。中国农业保险的开展以省为单位,省级政府是巨灾风险分散机制的主体,在制定巨灾风险分散政策时,需考虑承担多少风险合适这一很直接的问题。如果政府分摊风险过多,会给财政带来沉重负担,同时"挤占"保险公司的风险转移职能;如果政府分摊风险过少,则不能起到巨灾风险转移和分散的目的。以河南省小麦保险为例,从政府角度出发,利用县级小麦生产的历史数据,量化分析省内小麦生产风险,设计农业巨灾风险最优分摊计量模型,测算省级政府与保险公司的巨灾风险最优分摊比例。
引用
收藏
页码:24 / 29
页数:6
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