我国发展农业气象指数保险面临的困难及解决建议

基于农业气象指数保险本身的特性和在我国发展的现状,分析了我国发展农业气象指数保险面临的困难,包括气象数据不足、产品定价难度大、有效需求不足、政府支持力度低等问题。在分析我国问题和借鉴国外经验的基础上,提出了建议对策:一是增加气象站的数量,加强立法保障;二是完善保险产品的设计;三是加大宣传,增加需求;四是完善销售渠道;五是健全气象灾害损失分担机制。

Difficulties and Solutions to the Development of Weather Index Agricultural Insurance in China

Based on the characteristics of weather index agricultural insurance and its development in China, the difficulties faced by the development of weather index insurance were analyzed, including the lack of meteorological data, the difficulty of product pricing, the insufficiency of effective demand and the low level of government support.Based on the analysis of problems and experiences of other countries, some suggestions were put forward:First,to increase the number of weather stations and improve legislation;second,to improve the design of insurance products;third,to increase the propaganda in order to increase the demand of weather index insurance;fourth,to improve the distribution channel;fifth,to improve loss sharing mechanism of meteorological disasters.