农业气象指数保险的理论与实践:一个文献综述  

Agricultural Weather-Index Insurance Theory and Practice: A Review

作　　者：郑军[1] 姜风雷[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233000

出　　处：《重庆工商大学学报（社会科学版）》2017年第2期41-47,共7页Journal of Chongqing Technology and Business University：Social Science Edition

基　　金：国家社科基金西部项目(11XSH029)"西部地区农村养老保障体系建设中的政府责任研究";安徽省高校人文社科重点项目(SK2014A155)"安徽省农业巨灾风险保障体系构建研究";安徽省哲社规划项目(AHSKQ2015D28)"农业气象干旱指数保险的制度优化及应用研究";安徽省高校优秀青年人才基金重点项目(gxyq ZD2016091)

摘　　要：农业气象指数保险,依据客观的天气条件作为保险赔付对象,能有效地避免逆向选择和道德风险,已经成为发展中国家应对天气灾害的有效替代方式,是农业保险的重要发展方向。本文结合保险经济学、市场增进理论以及比较分析等理论与研究方法,从理论与实践两个维度对农业气象指数保险的制度优势、发展路径、国内外的制度实践和不足之处,以及政府作用等有关文献进行了归纳和整理,并围绕如何降低基差风险与建立健全农业气象指数保险的巨灾风险分担机制等方面,给出了未来研究关注的重点。Agricultural weather-index insurance,with objective conditions as the insurance object,can effectively avoid the adverse choice and moral harming,has become an important way to cope with the weather disasters in developing countries and is an important direction of agricultural insurance. Based on insurance economics,the market enhancement theory and so on,this paper studies and summarizes the related literatures from theory and practice such as the institutional advantages,developing path,the institutional practice and the role of government in agricultural weather-index insurance at home and abroad,and gives the important points in the future research in the perspective of how to lower basis risk and how to set up and perfect the sharing mechanism for big disasters by agricultural weather-index insurance.

关 键 词：农业气象指数保险 保险产品 巨灾风险分担机制 保险经济学 农业保险 

分 类 号：F840.66[经济管理—保险]