建立可持续的农业信贷担保计划
Towards a Sustainable Agricultural Credit Guarantee Scheme
摘要：
自1986年以来，博茨瓦纳政府一直在为旱地可耕地农业实施农业信贷担保计划。该计划旨在帮助那些从参与银行或贷款机构获得贷款的旱地作物农民，以帮助他们在因干旱、洪水、霜冻或冰雹而作物歉收的情况下履行债务。然而，迄今为止，该计划仅侧重于干旱。由于该计划并非基于健全的精算原则，因此对政府造成不可持续的财政负担。本文认为，政府补贴水平应考虑到农民在非干旱年份的收益。这是一种规避相关气候风险挑战的尝试，并建议采用一种准自筹资金机制，假定作物减产的主要原因是干旱。此外，它提供了一种新的补贴和保险费率的确定方法。
英文摘要：
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.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
