《保险研究》20200705-《赔付模式对财政补贴型农业保险风险保障的影响研究》（肖宇谷、王克、何小伟、H.Holly Wang）

［摘   要］我国农业保险进入高质量发展阶段,提高保险保障水平是新阶段发展的重要目标之一。本文通过深入分析中美农业产量保险中的典型赔付模式,提出了通过优化农业产量保险赔付模式来提高农业保险保障效果的设想。研究发现:中美主流农业产量保险采取了两种截然不同的赔付模式,中国采取的是比例式赔付,美国采取的是差额式赔付；两种赔付模式差异很大,当保费补贴高于附加费用时,在相同的保费补贴下,差额式赔付比比例式赔付有更高的保额和更高的均值-方差效用。将我国农业保险赔付模式从比例式转为差额式,可以在不改变补贴资金规模的情况下显著地提升农业保险风险保障效果。研究结论为如何在财政约束下提高农业保险保障水平提供了新的可选路径。

［关键词］农业保险；风险保障；赔付模式；均值-方差效用

［基金项目］本文获国家社科基金重大项目(16ZDA052)、教育部人文社会科学重点研究基地重大项目(16JJD910001)、国家自然科学基金资助项目(71573041；71603262)以及中国人民大学2020年度“中央高校建设世界一流大学(学科)和特色发展引导专项资金”的支持和资助。

［作者简介］肖宇谷,中国人民大学统计学院风险管理与精算教研室副教授、博士；王克(通讯作者),中国农业科学院农业信息研究所/农业部农业信息服务技术重点实验室副研究员、博士,E-mail:wangke01@caas.cn；何小伟,对外经济贸易大学保险学院副教授、博士；H.Holly Wang(王红),美国普渡大学教授、浙江大学中国农村发展研究院长江讲座教授。

The Impact of Indemnity Scheme on the Risk Protection of Government-subsidized Agricultural Insurance

XIAO Yu-gu,WANG Ke,HE Xiao-wei,H. Holly WANG

Abstract：Chinese agricultural insurance has stepped into a high-quality development stage.One of the targets for this stage is to increase its level of risk protection.By comparing the indemnity schemes of Chinese and American crop insurance plans,this paper proposed that the risk protection level could be improved by refining the compensation model.We found that,China and the U.S.adopted two different indemnity schemes for agricultural insurance programs.Specifically,China adopted the proportional indemnification scheme while the U.S.adopted the deficiency indemnification scheme.These two schemes are significantly different.When the premium subsidy is higher than the expenses loading,the deficiency indemnification scheme has a larger amount of coverage and a higher mean-variance utility under the same amount of subsidy.Switching the indemnity scheme of Chinese agricultural insurance from the proportional model to the deficiency model can greatly improve the risk protection effect without increasing government subsidy.This finding provides a new insight for improving the protection level of agricultural insurance under fiscal constraints.

Key words：agricultural insurance;risk protection;indemnity scheme;mean-variance utility