索引保险在伊朗农业中的应用:小麦种植者的案例
M Ahmadinejad1, Y Zeraatkish1, R Moghaddasi1
1Islamic Azad University, Department of Agricultural Economics, Extension and Education, Science and Research Branch, Tehran, Iran.
Brazilian journal of biology = Revista brasleira de biologia
|August 21, 2024
概括
这项研究引入了一个基于指数的保险计划,以保护伊朗小麦农民免受干旱引起的财务损失. 优化保险合同提供高赔偿,证明了传统收益保险的可行替代方案.
科学领域:
- 农业经济学 农业经济学
- 风险管理 风险管理
- 保险保单的保险政策是什么
背景情况:
- 干旱对干旱和半干旱地区的农民构成重大财务风险,影响生产和收入.
- 保险是减轻这些损失和支持农业生计的关键政策工具.
- 现有的产量保险可能无法完全解决干旱引起的生产变化的复杂性.
研究的目的:
- 为伊朗的小麦种植者开发和测试一项基于指数的前期保险计划.
- 为有效干旱风险管理优化保险合同参数.
- 评估拟议的基于指数的保险作为当前收益保险计划的替代方案.
主要方法:
- 为干旱风险量身定制的预先基于指数的保险模型的开发.
- 对伊朗小麦生产的保险合同参数的校准.
- 优化和测试保险计划,以评估其绩效.
主要成果:
- 确定了最佳的保险合同,其特点是某些等价收入的收益较低.
- 拟议的合同显示了农民的高补偿水平.
- 在最佳保险合同中观察到显著的基准风险水平.
结论:
- 开发的基于指数的保险计划是传统收益保险的合适替代方案,用于管理干旱风险.
- 保险合同的有效性与基础指数的复杂性不成正比.
- 该研究提供了一个框架,以提高农民对气候引起的生产冲击的抵御力.
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