生猪价格波动风险管理:准完全成本保险及其设计

Risk Management of Hog Price Volatility: Quasi-full Cost Insurance and its Design

防范生猪价格波动风险,对于保障生猪养殖户收益、促进生猪养殖业健康发展具有重要意义。面对养殖环保政策调整、动物疫病冲击及常态化防控新情境,生猪养殖主体需同时面对价格异常波动、疫病减产、养殖成本上升等多重冲击,亟须加强生猪养殖风险管理,积极探索试点准完全成本保险。本文分析了试行准完全成本保险的可能性及关键点,生猪准完全成本保险需要对其市场定位、保障水平、支持方式、投保主体、投保条件设置、再保险和巨灾风险分散机制等进行系统谋划设计。因此,应加强生猪养殖业风险研判、监测和预警,探索养殖业风险分类管理和分类施策,鼓励保险产品创新,全面提升生猪养殖主体抗风险能力。

Preventing the risk of live hog price fluctuations is of great significance for ensuring the income of live hog farmers and promoting the healthy development of the hog breeding industry. Due to the adjustment of breeding environmental protection policies, the impact of animal epidemics and normalized prevention and control, the main body of hog breeding needs to face multiple shocks such as abnormal price fluctuations, epidemic disease production reduction, and rising breeding costs. It is urgent to strengthen the risk management of hog breeding, and actively explore pilot quasi-complete cost insurance. This paper analyzes the possibility and key points of trial implementation of quasi-full cost insurance. The quasi-full cost insurance for live hogs needs to be systematically designed for its market positioning, protection level, support methods,insurance entities, insurance conditions, reinsurance and catastrophe risk diversification mechanisms. Therefore, it is necessary to strengthen the risk assessment, monitoring, and early warning of the hog breeding industry, explore the classification management and classification of risks in the breeding industry, encourage the innovation of insurance products, and comprehensively improve the risk resistance ability of the main hog breeding entities.