天气指数保险产品的定价方法及应用——基于对我国农业领域的应用探索  

The Study and Application of Weather Index Insurance Pricing Methods——Focusing on China’s Agriculture

作　　者：谭英平[1] 龚环 

机构地区：[1]对外经济贸易大学保险学院

出　　处：《价格理论与实践》2018年第4期110-113,共4页Price:Theory & Practice

基　　金：国家社会科学基金重大项目“基于保险精算的精准扶贫研究”(17ZDA090)

摘　　要：自2014年以来,我国出台一系列文件明确了天气指数保险产品在管理农业风险中的重要性,而产品定价作为天气指数保险设计中重要的一环,是其发展和推广的关键。本文通过分析我国天气指数保险的发展状况,系统梳理了目前国内外主流的各类天气指数保险产品定价方法,比较了各自的优缺点和适用范围,进而以我国湖南省水稻指数保险为例,尝试探讨了经典燃烧法在其保费厘定过程中的应用。最后,针对我国天气指数保险产品未来的发展,提出了相关建议。The Chinese government has issued a series of documents since 2014 which indicates the importance of weather index insurance in managing the agricultural risks.As an important part of the product design, pricing is the key to its development and promotion. This paper analyzes the status of weather index insurance in China, summarizes the main pricing methods at home and abroad with the comparison between them, and explores the application of classical combustion method in rice index insurance pricing in Hunan province. Finally, some suggestions are proposed as a reference for the future development of China＇s weather index insurance.

关 键 词：农业天气指数保险 天气指数定价方法 湖南水稻保险 

分 类 号：F323[经济管理—产业经济] F842.66