天气指数农业保险探究——以河北省农村为例

Exploration of Weather Index Agricultural Insurance ——Taking Hebei Province as an Example

近年世界范围内极端天气事件频繁发生,对粮食安全造成了重大威胁。利用金融创新工具应对天气灾害,保障粮食安全成为国际研究的热点问题。为了解天气指数农业保险的需求情况,对河北省正定县和灵寿县40个行政村的400个农户进行了调查问卷。调查结果显示,一旦爆发天气灾害,大多数农民依靠储蓄、抵押贷款、紧急贷款、社会援助或亲属救济来恢复灾后生产与建设,但很多农民已经表示了对天气指数农业保险的极大兴趣;对那些熟悉保险的农户和容易遭受洪涝和干旱天气的农户进行相关分析,结果证明了这类群体对于天气指数农业保险的兴趣更加浓厚。

In recent years,extreme weather events frequently occur worldwide and cause serious threats to food safety.It becomes the hot issue of international research using financial innovation tools to cope with the weather disaster and ensuring food safety.The article conducts questionnaire investigations among 400 farmers from 40 administrative villages in Zheng Ding county and Ling Shou county.The survey demonstrates that once the weather disaster outbreaks,most farmers rely on savings,mortgages,emergency loans,social aid or relatives＇ relief to restore the post-disaster production and construction.Meanwhile,many farmers have expressed great interest in the weather index agricultural insurance.For those farmers who are familiar with the insurance and vulnerable to floods and droughts,the result with low correlation coefficient pass the test of correlation analysis.This result proves such groups show more interest in weather index agricultural insurance.Therefore,it is necessary to give further research to weather index agriculture insurance theory.