“农产品价格保险垣期货”运作机制分析--基于对新湖瑞丰等案例的研究

摘要

“保险垣期货”的提出成为推动价格形成机制改革、完善农业风险管理体系的热点话题，为促进该模式顺利运作，提高保险公司等主体的参与度值得思考。文章探究了较典型的运作模式，以永安云天化模式、新湖瑞丰模式、美尔雅模式的运作为例，发现该模式为达到运作效果需要一定的运作条件，同时存在保险价格定价、产品结构类型选择、保险合约设计等方面的问题。因此建议通过改进农产品价格保障水平、降低保险公司运行成本以增强该模式的应用性。%The put forward of“insurance + futures”becomes the hot topics,it can push the price formation mechanism reform,improve the agricultural risk management system. But in order to promote the model running smoothly,it is worth thinking about how to improve the participation of insurance companies and other main bodies. The article explores the typical operation mode,such as Yong’an Yuntianhua model,Xinhu Ruifeng model,Mailyard mode. It found that,in order to achieve operational effect,the model needs certain operating conditions. At the same time,there are many problems such as insurance pricing,product structure type selection,the design of insurance contracts,etc. So this article suggests that,we should improve the security level of agricultural prices,reduce the cost of insurance company operation to enhance the applicability of the model.