《保险研究》20190104-《印度农业再保险体系运行模式及其启示》(王野田、李琼、单言、王铭)

［摘   要］作为新兴市场典型的市场化国家,印度高度重视农业保险发展,而农业再保险在印度农业保险体系中发挥了重要作用。印度农业再保险是典型的政府支持型模式,通过法律法规、政策手段以及市场机制建立了以国家再保险公司为基础的再保险体系,实现农业保险大灾风险的逐级分层分散。借鉴印度经验对完善我国农业再保险体系和建立财政支持下的农业保险大灾风险分散机制具有重要借鉴意义。

［关键词］农作物保险计划；国家再保险公司；农业再保险体系

［作者简介］王野田,高级农艺师,中国农业保险再保险共同体管理机构负责人；李琼,经济学博士,现供职于中国农业保险再保险共同体管理机构；单言,金融学硕士,现供职于中国财产再保险有限责任公司农险业务部；王铭,文学硕士,现任职于中国农业保险再保险共同体管理机构。

The Operation Model of Agricultural Reinsurance in India and Its Inspiration

WANG Ye-tian,LI Qiong,SHAN Yan,WANG Ming

Abstract：As a typical market economy in emerging countries,India highly stresses the development of agricultural insurance,and agricultural reinsurance plays a very important role in Indian agricultural insurance system.Its agricultural reinsurance is a typical government-supported model.Its reinsurance system is formed on the basis of national reinsurance companies operating in accordance with laws and regulations,related policies and measures and market mechanism,and achieves multi-tiered spread of major agricultural risks.Indian experiences are very useful for us to improve on China’s agricultural reinsurance system and establish a multi-tiered and fiscal-supported spread system for major agricultural risks.

Key words：agricultural produce insurance plan;national reinsurance company;agricultural reinsurance system