论我国农业保险巨灾风险分散机制的建立

On the Establishment of the Risk Dispersion Mechanism for Large Disasters in China’s Countryside

我国是一个农业大国,也是自然灾害频发的国家,作为惠农政策的一项重要举措,农业保险尤其是政策性农业保险近年来在我国得到了快速的发展。然而随着农业风险的特征正在发生变化,农业保险覆盖面的不断增大,农业再保险和巨灾保险分散机制缺失的问题也日益显现。针对当前我国农业保险存在的问题,借鉴国际经验,提出我国要实现农业保险的良性循环,必须防范巨灾风险,应该通过完善农业再保险机制和巨灾风险基金制度并进行巨灾风险证券化等途径,建立我国农业保险的巨灾保险分散机制。

China is a large agricultural country prone to natural disasters. Agricultural industry insurance particularly the policy insurance has grown rapidly in recent years a measurer to assist the framers. But the lack of risk dispersion and reinsurance is becoming prominent with the changing nature of agricultural risk and the widening of the coverage. In view of the current problems of the agricultural insurance in China we propose the idea of a benign cycle of the agricultural insurance in the light of the experience abroad to forestall the happening of the large scale disasters. This can be realized by the approach of improving the agricultural reinsurance , establishing the huge disaster risk foundation and implementing the securityrization of the disaster risk bonds and setting up the agricultural mega disaster risk dispersion mechanism.