生鲜乳目标价格保险的可行性分析及方案设计

Feasibility analysis and scheme design of target price insurance for fresh milk

市场风险是影响奶农收入进而制约中国奶业振兴的关键因素,探索开展生鲜乳目标价格保险试点具有重要意义。周期性、季节性因素对生鲜乳价格波动影响较大,可通过合理设计保险产品及运行机制来提升可保性。对生鲜乳目标价格保险的赔付指标、保险期间、免赔率等进行了设计,并构建了赔付金额计算模型,针对研究结论提出了相关对策建议。

Market risk is the key factor that affects the income of dairy farmers and thenrestricts the revitalization of China,s dairy industry.Therefore,it is of great significance to explore and launch a trial of pilot project of target price insurance for fresh milk.The periodic and seasonal factors have a great impact on the price fluctuation of fresh milk,and the insurability can be improved by rationally designing insurance products and operating mechanisms.In this paper,the author has designed the compensation index,insurance period,deductible ratio of target price insurance for fresh milk,constructed the compensation calculation model,and put forward relevant countermeasures and suggestions based on the research conclusions.