英语翻译Can Clear the Way for Innovation in Mutual InsuranceIndex insurance contracts should be relatively easy for the private sector to run,and might evenprovide an entry point for private insurers to develop other kinds of insurance products f

英语翻译Can Clear the Way for Innovation in Mutual InsuranceIndex insurance contracts should be relatively easy for the private sector to run,and might evenprovide an entry point for private insurers to develop other kinds of insurance products f
英语翻译
Can Clear the Way for Innovation in Mutual Insurance
Index insurance contracts should be relatively easy for the private sector to run,and might even
provide an entry point for private insurers to develop other kinds of insurance products for rural
people.For example,once an area-based index removes much of the covariate risk in a region,an
insurer can wrap individual coverage around such a policy to handle independent risk (e.g.,
individual losses not compensated by the area-based index).This would,of course,require
special considerations and could most effectively be tried via mutual insurance groups such as the
FONDOS of Mexico,where members know the farming practices of their neighbors and don’t
face the same degree of adverse selection and moral hazard as someone from the outside does.
Black,Barnett,and Hu (1999) wrote about using agricultural cooperatives in the United States as
the aggregator of farmers when purchasing index insurance and then acting as a mutual insurance
company for independent risk.

英语翻译Can Clear the Way for Innovation in Mutual InsuranceIndex insurance contracts should be relatively easy for the private sector to run,and might evenprovide an entry point for private insurers to develop other kinds of insurance products f
可以扫清道路,创新互助保险
指数保险合同应当相对容易对私营部门的运行,甚至可能
提供了一个切入点,私营保险公司开发其他类型的保险产品,为农村
人们.例如,一旦一个地区为基础的索引中删除的大部分变量的风险在一个地区,一个
保险人可以用个人的覆盖面在这样的政策来处理独立的风险（例如,
个人损失无法弥补的地区为基础的指数） .这当然需要
特殊的考虑,可以最有效地试图通过相互保险的群体,如
FONDOS的墨西哥,在各成员都知道的耕作习惯和他们的邻居不
面临同等程度的逆向选择和道德风险有人从外面没有.
黑,巴内特,胡锦涛（ 1999年）写的使用农业合作社在美国
在汇集农民在购买指数保险,然后作为一个相互保险
公司的独立危险.