国际农业保险巨灾风险分散的有效方式及启示  

International Methods for Dispersing Catastrophic Risk of Agricultural Insurance and its Enlightenment

作　　者：方伶俐[1] 徐锦晋 FANG Lingli;XU Jinjin(College of politics and law and public administration, Hubei University ,Wuhan Hubei 43006)

机构地区：[1]湖北大学政法与公共管理学院,湖北武汉430062

出　　处：《山东农业工程学院学报》2018年第9期1-6,共6页The Journal of Shandong Agriculture and Engineering University

基　　金：国家社会科学基金项目--政府与社会资本合作模式下我国农业保险大灾风险分散机制研究(项目编号:16CGL034)

摘　　要：农业保险巨灾风险一直以来是我国农业保险市场中的难题,至今仍未寻找到有效的路径来分散巨灾风险。从全球范围来看,目前国际上有许多国家开创了行之有效的风险分散方式,如再保险、巨灾基金、构建全国风险网、巨灾证券化等,形成了较为成熟的农业保险巨灾风险分散体系。这些方式各具特色,通过不同的渠道实现了农业保险巨灾风险的分散,效果良好。通过分析这些农业保险巨灾风险分散方式发挥作用的条件,总结各国风险分散手段的共性特征,可以为我国农业保险巨灾风险分散方式的选择与分散机制的构建提供启示。Nowadays, there are few effective ways to be adopted to disperse the catastrophic risk in the field of crop insurance, which has been an intricate problem to the development of Chinese agriculture for a long time. On the contrast, many countries have managed to solve this obstacle by implementing a lot of special measures, including reinsurance, catastrophe fund, and catastrophe securitization and so on around the world, which has helped these states to establish mature mechanism of reducing agricultural losses. Various methods have taken effects from different channels. Therefore, analyzing their requirements and summarizing their common characters can provide some useful suggestions about how china decrease the damage of agricultural insurance＇s catastrophe and it is also able to accelerate the process of building dispersal mechanism.

关 键 词：国际 农业保险巨灾风险 分散 方式 

分 类 号：F310[经济管理—产业经济]