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生猪价格风险较大,本文提出发展生猪价格保险产品,以此来稳定生猪价格及市场供应。首先分析了生猪价格保险的社会福利效应,投保生猪价格保险后可以获得保险保障,同时将产生提高农民收入、稳定物价水平以及提高财政资金使用效率等正外部效应;其次,从传统可保风险理论的局限性入手,提出可保风险的实质是风险可控、价格可厘定,进而分析生猪价格风险的可保性,系统提出生猪价格保险的风险转移体系,包括再保险、财政补贴的巨灾保障、期货及债券等工具;最后,提出发展生猪价格保险的相关政策建议,建议进一步加强理论研究,财政补贴支持、建立再保险体系、发展相应的期货及债券产品等。
Hog prices are more risky, this paper proposes the development of hog prices insurance products, in order to stabilize hog prices and market supply. First of all, it analyzes the social welfare effect of hog price insurance, insures the hog price insurance, and at the same time it will generate the positive external effects such as improving farmers’ income, stabilizing the price level and improving the utilization efficiency of fiscal funds. Secondly, from the traditional insurable risk theory This paper puts forward that the essence of insurable risk is that the risk is controllable and the price can be determined, and the insurability of the pig price risk is analyzed. The risk transfer system of the pig price insurance system is put forward systematically, including reinsurance, catastrophe insurance with financial subsidies, Futures and bonds. Finally, we put forward some policy suggestions on developing hog price insurance. We suggest that we should further strengthen theoretical research, support financial subsidies, establish a reinsurance system and develop corresponding futures and bond products.