我國政策性農(nóng)業(yè)保險巨災風險分擔模式分析.pdf

1、中國人民大學碩士學位論文我國政策性農(nóng)業(yè)保險巨災風險分擔模式分析姓名：何新平申請學位級別：碩士專業(yè)：農(nóng)業(yè)推廣指導教師：唐忠2011-05-312 Abstract The policy- oriented agricultural insurance has been implemented nationwide. The new agricultural insurance is on “government

2、 leading, business practices“ mode. Facing mounting policy- oriented agricultural insurance scale and the increased agricultural catastrophe risk awareness, what worth considering is how to set compensation li

3、ability of the government in the agricultural insurance risk transforming mechanism, in which the local government is the main sharer. The government compensation liability with overweight or too light

4、will be detrimental to the steady development of the policy- oriented agriculture insurance. However, at present, except for a few provinces having a clear division of the risk liability, the se

5、tting standard of compensation liability for government and insurance institutions is lacking or fuzzy in many pilot provinces. Based on this background, this paper studies the policy- oriented a

6、gricultural insurance catastrophe risk sharing mode. This article through selecting Beijing, Jiangsu and Anhui provinces as examples, representing different modes, analyzes empirically the liability divis

7、ion of the Chinese policy- oriented agricultural insurance catastrophe risk sharing mode. And it comments three modes rationality by using the indexes of loss ratio, period loss ratio, the govern

8、ment compensation liability. Through the comparison, we know that the effect of Beijing mode is the best. Anhui should raise the division standard of the government to loss ratio 200%. And ad

9、just the start using point of the catastrophe reserve to loss ratio 150%. Jiangsu also should raise the start point of the catastrophe reserve to loss ratio 150%. In order to analyze influenc

10、e of differences in three provinces about the economic level, agricultural output value proportion and natural disasters on the choice of risk sharing pattern, this paper also separately sets t

11、hree modes into other two provinces for comparing. The conclusion shows that three modes in different conditions have different features and have themselves particular application conditions. For

12、 example, Beijing mode is relatively suitable for provinces with light natural disasters or serious natural disasters, strong economic strength. Jiangsu model requires insurance institutions with st