Reflections on Promoting Mutual Insurance for Aquaculture
Release date:
2017-09-21
In recent years, extreme weather events have become increasingly frequent, leading to a surge in natural disasters. From typhoons and droughts to frost damage and earthquakes—combined with outbreaks of diseases—these catastrophes have dealt a severe blow to agricultural production. Since 2006, the government has introduced policy-based agricultural insurance as a key initiative aimed at strengthening rural areas and benefiting farmers, a move that has been warmly welcomed by广大 farmers and has significantly bolstered the security of agricultural output. However, despite the inherent similarities between aquaculture and traditional farming or livestock industries, aquaculture insurance remains an untapped area. This is primarily due to challenges such as the difficulty in defining clear insurance coverage, complex rate-setting processes, high claim frequencies, cumbersome loss assessment procedures, and persistently high理赔 rates. As a result, accelerating the development of aquaculture insurance and establishing a robust institutional framework for managing disaster risks in this sector have become critical priorities. Building an effective "aquaculture risk management" system—not just as a safety net but as a proactive defense mechanism—has emerged as an urgent and vital research topic, essential for helping farmers mitigate the adverse impacts of potential disasters.
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