山东马铃薯目标价格保险的实践和思考——以滕州项目为例

Practice and Thinking of Shandong Potato Target Price Insurance——Taking Tengzhou Project as an Example

2014年以来,农产品价格保险一直作为我国防范农产品市场风险的主要金融工具,但伴随农产品价格波动幅度的加剧及成因的复杂化,试点工作需要进一步进行探索和剖析.本文基于山东省滕州市马铃薯价格保险试点项目的样本数据,从组织机构、价格制定、区间赔付及价格监测等方面对滕州实践进行归纳提炼,发现存在财政补贴机制固化、激励导向不足、赔付率波动范围过大、风险再转移机制亟待完善、对新型农业经营主体扶持力度不够等问题.提出应尽快优化保险制度的顶层设计,提高保障水平,创新保险形式,突出保险技术创新导向,全力助推我国农业转型升级.

Since 2014,agricultural product price insurance has always been the main financial instrument to guard against agricultural product market risks in China.However,with the aggravation of the fluctuation range of agricultural prices and the complexity of the causes,the pilot work needs to be further analyzed and explored.Based on the sample data of the potato price insurance pilot project in Tengzhou city,Shandong Province,the following problems are found:the financial subsidy mechanism is solidified,the incentive guidance is insufficient,the loss ratio fluctuates too widely,the risk re-transfer mechanism needs to be improved urgently,and the support for the new type of agricultural business entities is insufficient.We should optimize the top-level design of the insurance system as soon as possible,improve the level of insurance,innovate the forms of insurance,highlight the innovation-oriented insurance technology,and do our best to promote the transformation and upgrading of China's agriculture.