金融市场、政府行为与农业巨灾保险基金建设——基于“结构型基金”理论的分析  

Financial Market,Government Behaviors and Establishment of the Agricultural Catastrophe Fund—Based on the Analysis of “Structured Fund” Theory

作　　者：田玲[1] 李建华[1] 

机构地区：[1]武汉大学保险与精算系,湖北武汉430072

出　　处：《保险研究》2014年第4期16-22,共7页Insurance Studies

基　　金：国家自然科学基金项目"基于经济资本的保险公司整体风险管理研究"(批准号:710730112)阶段性成果;国家社科基金重大招标项目"我国巨灾保险制度安排与实施路径研究"(批准号:11&ZD053)阶段性成果

摘　　要：我国自然灾害频繁,亟需完善农业巨灾保险支持体系,而巨灾保险、金融市场及政府力量的完美衔接是巨灾保险体系发挥作用的关键,这已经形成了学界共识。在各类农业巨灾保险支持体系中,农业巨灾保险基金可以通过"结构化"处理来实现上述衔接。本文首先比较分析了传统巨灾支持保护体系,然后以"结构型基金"理论为基础,构建了以政府行为为引导、以金融市场为助力的我国农业巨灾保险基金的基本框架。China is prone to natural disasters, therefore it is an urgent task to complete China＇ s agricultural catas- trophe insurance support system. There has long been an academic consensus that the perfect interfacing of catastro- phe insurance, financial markets and government strength is crucial for the effective functioning of catastrophe insur- ance system. Among all kinds of agricultural catastrophe insurance support systems, the specialized agricultural ca- tastrophe insurance fund can achieve the above purpose through ＂structuralization＂ . The paper made a comparative analysis of the traditional agricultural catastrophe insurance support system. Then, based on the theory of ＂structural funds＂ ,it proposed to build the basic framework of agricultural catastrophe insurance fund with government guid- ance and financial market support.

关 键 词：农业保险 结构型基金 巨灾保险基金 

分 类 号：F840.65[经济管理—保险]