海水养殖巨灾风险补偿机制优化探析

On Optimized Reimbursement Mechanism of Catastrophe Risk in Mariculture

我国是世界水产大国,海水养殖资源丰富,丰富的海水养殖产品提高了国民的生活品质,也提高了养殖户的收入,但是海水养殖又是高风险产业,每年都有可能遭受自然灾害侵袭,造成养殖户巨额损失。现有的补偿机制存在着商业保险公司不敢涉足,社会资本缺乏正规的渠道进入,政府补偿基金需要加强管理等系列问题,无法满足海水养殖产业发展的保障需求。可对现有的海水养殖巨灾风险补偿机制进行分析,进而提出补偿机制优化的建议。

China is a country with abundant aquatic products.They have made people’s life better and breeders wealthier.But mariculture has come with risks,for breeders is heavily hit by disasters that strike every year.The existing reimbursement mechanism has failed to ensure the development of mariculture due to problems like the absence of commercial insurance companies,under-regulated input of social capital,and poorly-managed government indemnity funds.This paper analyses the existing reimbursement mechanism for aquatic product breeders and puts forward the proposals for the mechanism’s improvement.