中国农业自然灾害风险管理研究——兼论农业保险的发展

On Risk Management of Agricultural Natural Disasters in China

农业保险作为一种融资型风险转移方式,与政府救助和社会捐赠这两种或有无偿融资方式相比,资金来源具有更好的可靠性、稳定性和充足性。尽管中国农业保险的业务规模、产品种类和补贴区域等均已大幅增长,但损失补偿效果仍然不佳,风险管理优势尚待发挥。有必要通过发挥农业保险双重功效、明确农业保险经营性质、开发新型农业保险产品等措施,以农业保险提升中国农业自然灾害风险管理能力。

As a financing risk transfer method,agricultural insurance has a more reliable,stable and adequate funding source than the other two contingent and free financing methods namely government aid and social donations.Although there has been great improvement in business scale,product ranges and subsidy shared regions of China's agricultural insurance,its compensation results are poor and risk management advantages yet to be played.So it's necessary to play the dual effect of agricultural insurance,define the nature of agricultural insurance business and develop some new agricultural insurance products to enhance China's capacity for risk management of natural disasters in agriculture by agricultural insurance.