农业“保险+期货”模式的应用研究——以贵州省为例

Application Research of Agricultural Insurance "Insurance + Futures" Model——Taking Guizhou Province as an example

由"保成本"向"保价格、保收入"创新升级,是农业保险发展的趋势。"保险+期货"模式作为金融业有效分散农产品价格波动风险的跨界新业态,能够有效解决农业保险中的风险对冲和价格确定问题。本文以"保险+期货"防范风险组合功能的发挥为切入点,以贵州省为例,从保险定价方式和收入赔款两个方面将其与现有价格指数、收入保险进行对比,研究如何通过保险与期货的有机结合,推动贵州省农业保险创新升级,分析制约其顺利推广应用的主要因素,并有针对性的提出对策建议。

The innovation and upgrading from"guarantee cost"to"guarantee price and guarantee income"is the trend of agricultural insurance development. The"insurance + futures"model, as a cross-border new format for the financial industry to effectively spread the risk of agricultural product price fluctuations, can effectively solve the problem of risk hedging and price determination in agricultural insurance innovation and upgrading. This article takes "expense + futures" to prevent the risk combination function as the starting point, taking Guizhou Province as an example, comparing it from the existing price index and income insurance from two aspects of insurance pricing and income compensation, and how to pass insurance The organic combination with futures promotes the innovation and upgrading of agricultural insurance in Guizhou Province, analyzes the main factors that restrict its smooth application and application, and proposes countermeasures in a targeted manner.