Aqua WII for Guangdong 指数类保险在广东省水产养殖保险中的应用 International Agro & NatCat Insurance Forum, October 14 th 财政风险巨灾指数保险研讨会, 10 月 14 日 Xiaofei Liu 刘晓菲 Kleoniki Afentoulidou
Agenda 主要内容 Aquaculture in China 水产养殖情况概览 Weather Index solutions 指数类保险方法介绍 Case study 案例分析 Q&A 2
Aquaculture in China 渔业生产情况概览 3
Role of China in the Industry 中国渔业生产现状 Aquaculture: Top 10 producer countries in 2014 China 58'795 Indonesia 14'331 India Vietnam Philippines Bangladesh Republic of Korea Norway Chile Egypt 4'884 3'411 2'338 1'957 1'567 1'333 1'227 1'137 0 10'000 20'000 30'000 40'000 50'000 60'000 70'000 [1 000 tons] Source: https://www.statista.com/statistics/272312/aquaculture-production-by-country/ 4
shandong guangdong fujian zhejiang liaoning jiangsu hubei guangxi jiangxi hunan anhui hainan sichuan hebei henan yunnan heilongjiang chongqing tianjin shanghai guizhou jilin ningxia shaanxi neimenggu xinjiang beijing shanxi gansu qinghai xizang Role of Guangdong in China 中国各省市渔业生产情况及广东的地位 [tons] 10'000'000 9'000'000 2 nd largest producer 8'000'000 7'000'000 6'000'000 5'000'000 4'000'000 3'000'000 2'000'000 1'000'000 0 Offshore yield Onshore yield Capture yield 5
China`s Aquaculture Insurance Market 中国渔业保险损失情况 10 Year Loss Rate by Province 10 年各省损失率情况 6
Aquaculture Insurance Challenges in China (1/2) 我国现有水产养殖保险困境 1/2 Adverse Experiences in the Past 历史经验缺乏 Government Subsidy 政府补贴较少 Limited Risk Management Capabilities 风险管理能力不足 Limited Loss Adjusting Expertise 定损经验有限 Availability of Data 数据收集困难 7
Aquaculture Insurance Challenges in China (2/2) 我国现有水产养殖保险困境 2/2 推动政府加大扶持和补贴力度 在保险产品设计方面为政府提供合理化建议 历史经验缺乏 开展专业风险评估 确保充足费率 应用指数类保险 政府补贴较少 风险管理能力不足 制定风险管理指南 实地调查并共享风险管理方法 学习国际先进经验 优化理赔流程 为核赔人员提供更多培训 定损经验有限 数据收集困难 收集行业报告数据 建立统计数据库 8
Weather Index Solutions 指数化保险在水产养殖中应用 9
An alternative to Indemnity products 指数保险可以用于水产养殖业 Salmon off-shore loss due to heavy weather and cold water 中, 恶劣天气和水温降低导致损失 在鲑鱼的海水养殖 accessibility issue due to bad weather 然而由于天气原因无法及时到达被保险标的地点 loss adjustment hindered 定损困难 payment delayed 理赔延迟 10
Index can be used 常用气象指数 降水量不足 降水量偏多 高温 寡照 指数保险条款 低温 大风 高湿度 更多 11
Feasibility 经验总结 Prerequisites for Weather Index Implementation 考虑要素 设计 长时间的历史数据 数据经过质量控制, 可用性好 持续可靠的数据观测和获取流程 可由第三方提供客观计算 校验 指数方法理解 基差风险判断, 这种方法是否合适? 作物产量与气象灾害密切相关, 并且可以被指标表征 气象站数据覆盖标的范围合理 实施可靠的分销渠道再保险大力支持当地直保公司积极参与有利的监管
Case study 案例分析 13
Case study 赔偿方式举例 Coastal farming strong wind insurance 沿海养殖风灾保险 It is recommended that extreme disasters to be covered, payment up to one time a year 建议承保较为极端的灾害, 一年最多只赔付一次 monthly payout ratio can be set according to the breeding cycle 根据养殖周期, 确定是否需要设定周期内每月赔付比例 E.g.:Policy brief 例如 : 保单如右侧 Insurance payment is based on Max of Daily Wmax 保险赔付规定根据每年日最大风速的最大值理赔 SI 2000 Yuan/mu,Premium100 Yuan 保额 2000 元 / 亩, 保费 100 元 A TC event, Near Central Wmax 14 level 假设当年某台风过境, 中心附近最大风力 14 级 Station observation Wmax 31m/s 该气象站观测到 31m/s 的最大风速 Wind Level 蒲福风级 Wmax(m/s) 日最大风速 (m/s) Payout(Yuan/Mu/Policy) 单位赔付 ( 元 / 亩 / 份 ) 10 24.5-28.4 300 11 28.5-32.6 600 12 32.7-36.9 900 13 37.0-41.4 1200 Payout 600 Yuan/mu, unite payment same in the area 则赔付为 600 元 / 亩, 该辖区内所有养殖户一致 (Assuming no monthly payout ratio here) ( 没有设置每月赔付比例的情况下 ) 14 41.5-46.1 1500 15 46.2 2000 14
1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Wmax (m/s) Wind Index how the product triggers 赔付情况直观展示 50 45 40 Payout levels 35 30 25 20 15 10 Wind Index Wind Level 10 Wind Level 11 Wind Level 12 Wind Level 13 Wind Level 14 Wind Level 15 5 0 15
谢谢 Thank you! 联系我们 : Kleoniki Afentoulidou, Direct: +41 432856897, E-mail: Kleoniki_Afentoulidou@swissre.com 刘晓菲, Direct: +86 6563 8726, E-mail: Xiaofei_Liu@swissre.com 16
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