随着农产品价格形成机制改革深度推进和国内外市场深度融合，中国农产品市场价格风险呈加大趋势，作为市场风险管理工具的农产品价格保险被创新和试点，但农产品价格保险大规模推广应用面临着保险产品设计中保障价格设定依据和保险巨额赔付风险分散两大困境，农产品期货市场具有的价格发现功能和转移风险功能可以有效地破解农产品价格保险推广面临的这两大难题，中国也开始了基于期货市场农产品价格保险产品的设计与风险分散的探索与试点，并总结出一些值得推广的模式和需要进一步改革和完善的问题。%Along with the deepening of the reform of agricultural price formation mechanism and the continuous integration of domestic and global agricultural markets, the trend of agricultural price risk is severer in China. Agricultural price insurance is one of the market-based price risk management tools, and its products have been innovated and launched as pilot programs. However, during the spread of agricultural price insurance, the insurance companies fell into the predicaments that how to set the insured price index and disperse the enormous insurance claim risk. Agricultural futures market has the functions of future price discovery and price risk transfer, which are very helpful to solve these two problems. In China, some insurance companies have designed and experimentally run several agricultural price insurance products based on futures market. This paper studied the experience and problems of these products, and also gave some suggestions for improvement.
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