【作者】 路平；

【导师】 白重恩；

【作者基本信息】 清华大学 ， 应用经济学， 2010， 硕士

【摘要】 农业保险这一重要金融工具在发达国家对于提高农业发展水平和农民收入水平发挥了重要作用。然而现阶段我国农业保险发展却呈现出了滞后和萎缩,农业保险公司亏损严重,与其在国民经济中的重要地位不相匹配。而我国农业保险发展滞后的一个重要原因则是传统险种与我国农业经济发展模式不匹配。在这样一个背景下,本文提出气象指数农业保险这一新险种的理论和设计实践,对于解决中国农业保险现阶段面临的问题具有非常重要的意义。早在2002年开始,世界银行的商品风险管理组织(CRMG)就在发展中国家推动气象指数保险。从2003年以来,在印度建立了第一个试点以后,陆续有墨西哥等许多发展中国家进行了相关试点。试点收效显著,对农民的风险管理和防范起到了重要作用。中国于2007年引入气象指数农业保险。2007年6月,中国农业部、国际农业发展基金与联合国世界粮食计划署共同商讨开展农村脆弱地区天气指数农业保险的合作。2007年底,安徽省被中央确定为第二批政策性农业保险试点省份,并承担了气象指数农业保险试点的任务。在中外专家的指导下,国元农业保险公司设计出了以长丰县为样本的水稻种植天气指数保险产品,并于2009年5月25日通过中国保监会备案,并已面向长丰县农户发行。这是截至目前我国唯一的一份气候指数农业保险。本文在已有研究成果的启发下,利用面板数据模型设计了东北地区的粮食作物气象指数保险合同的制作方法。本文采用黑龙江、辽宁两省27个地级市13年的数据,根据气温、降水量和日照时间3个指标,设计了专门针对东北地区粮食作物的气象指数农业保险合同,是气象指数农业保险研究领域的一个创新,可以为该领域后续的研究工作及农业保险市场实践提供一定的借鉴作用。更多还原

【Abstract】 As an important financial tool, agricultural insurance plays a great role in the development of agriculture and the income of farmers in western countries. However, the development of Chinese agricultural insurance is lagging behind. Agricultural insurance companies lose money seriously, which doesn’t match the role of the agricultural insurance in economy. One of the reasons is that the traditional insurance doesn’t suit the agricultural output model. In such a context, this paper puts forward a new kind of agricultural insurance, weather index agricultural insurance, to solve China’s agricultural insurance problems faced at this stage.Since 2002, the World Bank’s commodity risk management organization (CRMG) has been promoting weather index insurance in developing countries. After the first trial in 2003 in India, many developing countries such as Mexico were related to the pilot . Weather index insurance plays an important role in farmers’risk management.China introduced weather index of agricultural insurance in 2007.The Chinese Ministry of Agriculture, IFAD and the United Nations World Food Programme discussed the cooperation in the weather index for rural agricultural insurance in vulnerable areas in June 2007. In the end of 2007, Anhui Province was identified as the pilot province of weather index agricultural insurance. Under the guidance of Chinese and foreign experts, Guoyuan Insurance Company designs a sample of rice planting weather index agricultural insurance based on Changfeng County, and was recorded by China Insurance Regulatory Commission on May 25, 2009. The insurance has been issued to farmers in Changfeng County. This is so far the only climate index Agricultural Insurance in ChinaInspired by existed research results, this paper uses the panel data model to design a weather index crop insurance contract in Northeast. This paper utilizes data of 27 cities of Heilongjiang and Liaoning provinces in the recent 13 years, according to temperature, precipitation and sunshine indicators, to design a specific weather index crop insurance for Northeast China, which could be considered as an innovation in the field, in order to provide a reference for following research and practice of weather index agricultural insurance market of China.更多还原