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农业指数保险是应对自然灾害及农产品市场价格波动的重要风险管理工具,是规避传统农业保险产品道德风险与逆向选择的有效工具,也是除政府直接补贴农民以外的重要农业调控手段。本文以猪价指数保险为例研究农业指数保险开发的可行性、产品设计和指数构建。本文还对猪价市场的周期性波动进行了研究,并提出以猪粮比为指数标的的指数保险对于平缓养殖户利润波动的有效性,以及应对猪周期现象时的正向抑制作用。
Agricultural index insurance is an important risk management tool to deal with natural disasters and market price fluctuations of agricultural products. It is an effective tool to avoid the moral hazard and adverse selection of traditional agricultural insurance products. It is also an important agricultural regulation and control tool besides the government directly subsidizing peasants. In this paper, pig price index insurance as an example to study the feasibility of agricultural index insurance development, product design and index construction. This paper also studies the cyclical fluctuation of pork market, and puts forward that the index insurance with index of index of pig food to grain is effective for the fluctuation of profit of gentle farmers and the positive inhibition of pig cycle.