云南省水稻产量保险的设计分析研究.pdf

Abstract Abstract Agriculture is a basic industry which ensures popular support and social stability in a country or region. The security of “rice” and “vegetable”, one of the national important strategies, has attracted more and more concerns and met increasingly severe challenges，like the cultivated land is decreasing. In 2004, the central No.1 file proposed for the first time “building up policy-guided agricultural insurance and pilot project in some areas and products”. After that, the central No.1 files stated the support of agricultural insurance for “issues of agriculture, farmer and rural area” for eleven consecutive years. However, the insured amount of crop insurance is mainly materialization guarantee cost and suffers from weak guarantee extent. In 2007, Yunnan introduced the policy-guided agricultural insurance pilots and ensures stability in high growth rate in scale for seven consecutive years. At the same time, there arise a series of problems. In particular, due to droughts for several years, the operational efficiency of its policy-guided agricultural insurance is rather backward and the insurance function of loss compensation and risk management fails. Compared with current agricultural insurance product of materialization guarantee cost, area yield insurance lowers moral risk and adverse selection, and enjoys low management cost, standardized products and simple procedure. For these reasons, taking the example of crop in Yunnan province, this thesis studies the design proposal for rice yield insurance in Yunnan province. The research content and conclusions of this thesis: Firstly, the thesis analyzes the main meteorologic