發(fā)布時(shí)間：2018-12-09 16:53

【摘要】：我國(guó)農(nóng)業(yè)保險(xiǎn)保費(fèi)收入在2007-2013的6年間以年均42.7%的速度從51.8億元增長(zhǎng)到了306.7億元，使得我國(guó)成為僅次于美國(guó)的農(nóng)業(yè)保險(xiǎn)第二大國(guó)。而作為政策性農(nóng)業(yè)保險(xiǎn)的重要組成部分，政策性養(yǎng)殖業(yè)保險(xiǎn)保費(fèi)規(guī)模卻因?yàn)榈赖嘛L(fēng)險(xiǎn)一度萎縮，與農(nóng)業(yè)保險(xiǎn)迅猛的整體發(fā)展形勢(shì)形成了強(qiáng)烈的反差。湖南省生豬出欄量連年排名全國(guó)第二，外銷量在全國(guó)連年排名第一。作為生豬產(chǎn)業(yè)大省，，湖南省政府非常重視政策性養(yǎng)殖業(yè)保險(xiǎn)工作，特別是保障生豬養(yǎng)殖基礎(chǔ)的能繁母豬養(yǎng)殖保險(xiǎn)工作。能繁母豬養(yǎng)殖保險(xiǎn)道德風(fēng)險(xiǎn)高的問(wèn)題自然得到了相關(guān)部門的高度關(guān)注。 為了應(yīng)對(duì)高道德風(fēng)險(xiǎn)問(wèn)題，本文建議將獎(jiǎng)懲系統(tǒng)引入能繁母豬養(yǎng)殖保險(xiǎn)以利用價(jià)格手段、借助市場(chǎng)的無(wú)形之手改善保險(xiǎn)公司的財(cái)務(wù)情況。具體而言，在歸納總結(jié)國(guó)內(nèi)外成果的基礎(chǔ)上，本文借鑒機(jī)動(dòng)車輛保險(xiǎn)獎(jiǎng)懲系統(tǒng)經(jīng)驗(yàn)，以邵學(xué)清構(gòu)建的同時(shí)考慮賠付次數(shù)與賠付額度的獎(jiǎng)懲系統(tǒng)為基礎(chǔ)，選取賠付率為保費(fèi)等級(jí)轉(zhuǎn)移的標(biāo)準(zhǔn)，在國(guó)家政策性農(nóng)業(yè)保險(xiǎn)的相關(guān)政策約束條件下，以湖南省2007-2011年賠付數(shù)據(jù)為經(jīng)驗(yàn)，設(shè)計(jì)了四個(gè)使得保險(xiǎn)人在平穩(wěn)狀態(tài)下能達(dá)到財(cái)務(wù)平衡的獎(jiǎng)懲系統(tǒng)方案。然后結(jié)合精算角度與實(shí)務(wù)角度，利用平穩(wěn)性、收斂性、嚴(yán)厲性指標(biāo)，選出了政策約束下預(yù)期激勵(lì)和警示效果最佳、最適宜在實(shí)務(wù)中操作的湖南省能繁母豬養(yǎng)殖保險(xiǎn)最優(yōu)獎(jiǎng)懲系統(tǒng)方案。最后，為了保證實(shí)施效果，本文就能繁母豬養(yǎng)殖保險(xiǎn)獎(jiǎng)懲系統(tǒng)的實(shí)施等問(wèn)題提出了相關(guān)建議。
[Abstract]:China's agricultural insurance premium income increased from 5.18 billion yuan to 30.67 billion yuan in the six years from 2007 to 2013, making China the second largest agricultural insurance country after the United States. However, as an important part of policy-oriented agricultural insurance, the insurance premium scale of policy-oriented aquaculture industry shrinks for a time because of moral hazard, which contrasts strongly with the rapid development of agricultural insurance. Hunan Province ranks second in the number of live pigs in the country, the number of foreign sales in the country ranked first year after year. As a big province of pig industry, Hunan provincial government attaches great importance to the insurance of policy-oriented breeding, especially to the insurance of breeding sows based on the guarantee of pig breeding. The problem of high moral hazard of breeding insurance has naturally been highly concerned by relevant departments. In order to deal with the problem of high moral hazard, this paper suggests that the system of rewards and punishments should be introduced into the insurance system of breeding sows to improve the financial situation of insurance companies by means of price means and the invisible hand of the market. Specifically, on the basis of summing up the achievements at home and abroad, this paper draws lessons from the experience of the reward and punishment system of motor vehicle insurance, based on Shao Xueqing's system of rewards and punishments, which considers the number and amount of compensation at the same time. Selecting the compensation rate as the standard of premium grade transfer, under the condition of the relevant policy constraints of the national policy agricultural insurance, taking the data of compensation payment from 2007 to 2011 in Hunan Province as the experience, Four schemes of reward and punishment system are designed to make the insurer achieve financial balance in a stable state. Then combining the actuarial angle with the practical point of view, using the indicators of stability, convergence and severity, this paper selects the best expected incentive and warning effect under the policy constraints. The optimal scheme of reward and punishment system of Hunan Province breeding insurance for breeding sows is the most suitable for operation in practice. Finally, in order to ensure the implementation effect, this paper puts forward some suggestions on the implementation of the system of rewards and punishments for breeding sows.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F224;F842.66

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