论文标题
建立可持续的农业信用担保计划
Towards a Sustainable Agricultural Credit Guarantee Scheme
论文作者
论文摘要
自1986年以来，博茨瓦纳政府一直在采用一项农业信用担保计划，用于旱地耕种。该计划旨在协助与参与银行或贷款机构贷款的干地农作农民，以帮助他们履行由于干旱，洪水，洪水或冰雹导致农作物失败而履行债务义务。尽管如此，迄今为止，该计划仅集中在干旱上。该计划对政府承担了不可持续的财务负担，因为它不是基于良好的精算原则。本文认为，政府补贴的水平应考虑到农民在非旱灾年中所取得的收益。假设作物产量失败的主要驱动力是干旱，这是试图避免相关气候风险的挑战，并建议采用准自融资机制。此外，它提供了一种新颖的补贴和高级利率设定方法。
Since 1986, Government of Botswana has been running an Agricultural Credit Guarantee Scheme for dry-land arable farming. The scheme purports to assist dry-land crop farmers who have taken loans with participating banks or lending institutions to help them meet their debt obligations in case of crop failure due to drought, floods, frost or hailstorm. Nonetheless, to date, the scheme has focused solely on drought. The scheme has placed an unsustainable financial burden on Government because it is not based on sound actuarial principles. This paper argues that the level of Government subsidies should take into account the gains made by farmers during non-drought years. It is an attempt to circumvent the challenges of correlated climate risks and recommends a quasi self-financing mechanism, assuming that the major driver of crop yield failure is drought. Moreover, it provides a novel subsidy and premium rate setting method.
