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英文文献：Crop Insurance Savings Accounts-农作物保险储蓄账户
英文文献作者：Colson, Gregory,Fu, Shengfei,Ramirez, Octavio A.
英文文献摘要：
This research explores the viability of an alternative design for crop insurance based upon farmer-owned savings accounts that are regulated, monitored, and marginally assisted by the government. Such accounts could be an effective risk management tool for many farmers and could operate without major government subsidization. Relative to the current program, the proposed design should exhibit minimal moral hazard and adverse selection problems, and since farm-level risk does not have to be priced, the proposed design eliminates the premium rating difficulties that weaken actuarial soundness and trigger the need for substantial external subsidies. In addition, administrative costs should be considerably lower.
本研究探讨了一种基于受政府监管、监控和少量援助的农民储蓄账户的作物保险替代设计的可行性。对许多农民来说，这种帐户可以成为一种有效的风险管理工具，而且可以在没有政府大量补贴的情况下运作。相对于目前的方案，拟议的设计应表现出最小的道德风险和逆向选择问题，而且由于农场层面的风险不必定价，拟议的设计消除了保费评级的困难，从而削弱精算的可靠性并引发对大量外部补贴的需要。此外，行政费用应大大降低。
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