天然橡胶价格保险保障水平:现状、问题和建议  

The Natural Rubber Price Insurance’s Security Level:Status,Problems and Suggestions

作　　者：何长辉[1] 刘锐金[1] HE Changhui;LIU Ruijin(Rubber Research Institute,CATAS,Haikou,Hainan 571101,China)

机构地区：[1]中国热带农业科学院橡胶研究所,海南海口571101

出　　处：《热带农业科学》2023年第11期119-127,共9页Chinese Journal of Tropical Agriculture

基　　金：海南省自然科学基金(No.720QN353,No.722MS140);中央级公益性科研院所基本科研业务费专项(No.1630022022004)。

摘　　要：2018年海南省试点天然橡胶价格保险,在农业保险产品创新实践上迈出重要一步。利用海南18个市县数据,测算了2020年天然橡胶价格保险保障水平和赔付水平,分析市县差异及其原因。结果表明,海南省橡胶价格保险的平均保障水平为0.46,赔付水平为0.84。相较于保障广度,保障深度处于较高水平,明显有别于其他农业保险;市县之间保障水平和赔付水平差异明显,发展不均衡问题突出。天然橡胶价格保险受益率水平较高,但部分市县偏低,且政策激励效果有限。保险费率的单一化和保障产量的统一化,一定程度上制约橡胶价格保险长期稳定发展。建议纳入当期产量和价格损失风险科学厘定费率,结合市县发展情况合理调整目标产量,采用标准化手段规范市场环境,加强信息技术与保险结合,推动实施收入保险提高保障水平,促进天然橡胶产业稳定发展。In 2018,Hainan Province has piloted NRPI(natural rubber price insurance)which has took an important step in the innovation practice of agricultural insurance products.This study use the data of 18 counties in Hainan to calculate the protection level and compensation level of NRPI in 2020,and analyzes the differences and reasons among different counties.The results indicate that the average coverage level and average payout level of NRPI in Hainan Province are 0.46 and 0.84 respectively.The depth of protection is at a relatively high level compared to the breadth of protection,which is different from other agricultural insurances.There are significant differences in the level of protection and compensation between different counties,and the imbalance development of NRPI is a prominent issue.The overall benefit rate of NRPI is relatively high,but some counties have a lower level,and the policy incentive effect is limited.The singularity of insurance rates and the unification of guaranteed production limit the long-term stable development of NRPI to some extent.This study proposes the following suggestions to promote the stable development of the natural rubber industry,scientifically calculate insurance rates by incorporating current production and price loss risks,adjust the target production reasonably based on the development situation of each county,regulate the market environment by adopting standardization methods,strengthen the combination of information technology and insurance,promote the implementation of income insurance to improve security level.

关 键 词：天然橡胶 价格保险 保障水平 赔付水平 

分 类 号：F326.12[经济管理—产业经济]