关于在柳江县开展天气指数保险的可行性分析——基于联合分析法.pdfVIP

Vo l. 30 No.4 第 30 卷第4 期 保险职业学院学报{双月刊} 2016 年 8 月 ‘JOURNAL OF INSURANCE PROFESSIONAL COLLEGE(Bimonthly) Aug. 2016 关于在柳江县开展天气指数保险的可行性分析 一一基于联合分析法 草梦妮 〈日本东北大学，日本宫城县仙台市 981-8555) [摘 要] 在中央和地方政府的支持下，全国各地自 2005 年起依次开展政策性农业保险，给农民提供了有效的保障 措施。而在广西壮族自治区、云南省等地，由于政府财政支持不足，农业保险保障效果欠佳。为了稳定农民收入和农产品 供给，本文将使用回归分析和联合分析法，讨论新型的夭气指数保险，在传统农业保险尚未普及的广西柳江县实施的可能 性及具体的保单设计，最后根据计算结果并结合柳江县的实际情况，进一步讨论如何设计更切合实际的天气指数保险。 [关键词] 农业保险;天气指数保险;联合分析法F 保险保单 [中图分类号JF840.66 [文献标识码JA [文章编号J1673 一1360(2016)04 一0032 一06 [Abstract] With the support of central and local government , the policy agricultural insurance has been implemented in most provinces of China since 2005 which provides an efficient guarantee for the farmers. However , due to lack of subsidy for insurance programs from the government ,it is inefficient in some areas , such as Guangxi , Yunnan , and so on. Weather index insurance provides a viable alterna- tive to traditional agricultural insurance. In this paper , the author uses regression analysis and conjoint analysis to try to find out the possibility of implementing weather index insurance in Liujiang county , Guangxi province. Taking this result and the actual situation of Liujiang into consideration , this paper further discusses how to design actual weather index insurance. [Key words] Agricultural insurance; Weather index insurance; Conjoint analysis; Insurance policy 天气指数保险是当气温、降水量、风速等气象 指标达到事先规定的水准时向投保农民赔付保险 一、研究背景 金的一种创新型农业保险。天气指数保险不需要 实地调查保险标的受损情况，与传统的农业保险相 政策性农业保