摘要
天气指数保险能克服传统农业保险所固有的理赔成本高、道德风险高、赔款速度缓慢等缺点。但是其在发展过程中也遭遇了来自各方面的挑战,如基差风险、全球变暖的影响、数据高度依赖等。本文基于新制度经济学和保险经济学的相关理论,以现有国内外相关文献为基础,深入分析天气指数保险在发展中所遭遇的挑战,继而结合印度等地的实践经验就如何应对这些挑战提出对策建议。
The capability to overcome the weaknesses of the traditional agricultural insurance,like high claimcosts,moral hazard and slow reparation speed,prompted the emergence of the weather index insurance,which is alsofaced with many challenges during the developing process,for example the basis risk,the affection of global warmingand the high dependency on the historical data,etc. This paper is based on the theories of the new institutional economics and economics of insurance,and is written on the bases of related literature at home and abroad. Deep insight intothe challenges facing the weather index insurance was made,as well as the countermeasures,based on the experienceof India and some other countries.
出处
《区域金融研究》
2016年第8期4-10,共7页
Journal of Regional Financial Research
基金
国家社会科学基金重点项目"我国农业巨灾风险管理制度创新研究"(批准号:10AGL010)
第二批重庆市高等学校青年骨干教师资助计划"水稻保险气象理赔指数应用研究"
关键词
天气指数保险
农业保险
印度经验
道德风险
Weather Index Insurance
Agriculture Insurance
India Experience
Moral Hazard
