渔业信息与战略2025，Vol.40Issue(4)：247-258,12.DOI:10.13233/j.cnki.fishis.2025.04.001
中国渔业互助保险巨灾风险分散机制研究
Research on the catastrophe risk diversification mechanism of fishery mutual insurance in China
摘要
Abstract
As a means to deal with the risk of fishery production safety,the compensation ratio of fishery mutual insurance has been high for a long time due to the high-risk characteristics of the industry.Its operational mode of relying on a single regional risk pool leads to a limited scale of the fund,and the accumulation of insurance funds is difficult to cover high compensation needs,facing a solvency crisis.Based on the theory of risk diversification,from the perspective of"time-space-subject"three-dimensional risk diversification,a five-level risk diversification mechanism including fishermen's risk retention,mutual assistance of fishery mutual insurance organizations,reinsurance,government final risk protection and capital market risk securitization can be constructed,which provides a systematic solution for the sustainable development of fishery mutual insurance.关键词
渔业互助保险/巨灾风险分散机制/渔业互保组织Key words
fishery mutual insurance/catastrophe risk diversification mechanism/fishery mutual insurance organization分类
管理科学引用本文复制引用
李晓蕙,杨兰,吕枳蒙..中国渔业互助保险巨灾风险分散机制研究[J].渔业信息与战略,2025,40(4):247-258,12.基金项目
2024年度辽宁省教育厅高校基本科研项目"海洋新质生产力的水平测度与提升路径研究"(LJ112410151021) （LJ112410151021）
