极端天气下农业保险运行的难题及对策

Problems and Suggestions of Agricultural Insurance Operation under Extreme Weather

随着全球气候变暖,极端天气出现的频率越来越高,正从典型的黑天鹅事件向灰犀牛事件转化。极端天气对农业生产的影响更为重大。近年来,异常生态恶化与自然灾害频发,极端天气风险种类不断增多、复杂性日益凸显、传导性明显增强、影响效果也在逐渐放大。对于以风险管理和损失补偿为本源的农业保险提出了更大的挑战,需要我们在把握极端天气造成农作物损失规律的前提下,充分提高农业保险的服务能力和水平,为我国农业农村现代化提供安全保障。

Global warming causes more frequent extreme weathers, which challenges agricultural insurance based on risk management and loss compensation. Based on extreme weather patterns, we need to improve the service of agricultural insurance.