中国农业保险大灾风险分散制度及大灾风险基金规模研究

Research on the Dispersion System for Major Agricultural Insurance Risks and the Scale of Major Disaster Fund

建立农业保险大灾风险管理制度对我国农业保险的健康和可持续发展有重要意义。对农业保险来说,保险人的责任准备金无力支付保险赔款就需要有制度上的安排来保证农业保险制度的可持续性。在这个条件下,本文讨论了农业保险大灾风险管理制度的基本框架,建立和管理大灾风险准备金的原则和建构方式,并具体测算了中央级大灾风险准备基金的规模。希望对该制度的决策和建设提供参考。

Establishing a management system for major agricultural insurance risks is of important significance for the healthy and sustainable development of agricultural insurance in China. For agricultural insurance, when the insurer＇ s liability reserve is insufficient for claims payment, there should be an institutional arrangement to ensure the sustainability of the agricultural insurance system. Based on this precondition, the paper discussed the basic framework for managing major agricultural insurance risks, and principles for establishing and administering the major risk reserve. It also projected the scale of the central government-level major disaster fund. Hopefully, this paper may offer some useful suggestions for related decision-making and actions.