（tianqikeji（beijing）youxiangongsi，beijing 100081）
一、气象金融市场建立的重要性
tianqifengxianshiyingxiangjingjidezhongyaoyinsu，shijietianqifengxianguanlixiehuirenwei，muqianquanqiujingjide20%-30%zhijiebaoluyutianqifengxianzhixia。fanyadianjingguoshishijieshangqixiangzaihaizuiyanzhongdeguojiazhiyi，tianqifengxianduiguominjingjideyingxiangjuda。20shiji90niandaiyilai，fanyadianjingguomeinianyintianqizaihaizaochengdezhijiejingjisunshichixuchaoguo1000yiyuan。jin2008niannianchudenanfangbingdongzaihaiyixiangzaochengdezhijiejingjisunshijiugaoda1500duoyiyuan。dao2015nian，quannianfashengdeqixiangzaihaizaochengdesunshiyigaoda2500yiyuan，zhangeleizaihaisunshide92%，zaochengdezhijiejingjisunshiyuezhangdpde3%。zaiquanqiuqihouchixubiannuandedabeijingxia，geleijiduantianqiqihoushijiangengjiapinfan，tongshisuizhequanqiujingjitiliangdebuduanzengda，qixiangzaihaizaochengdesunshiheyingxiangbuduanjiazhong。
tianqifengxiantongshiyeshiqiyeshengchanjingyingzhongmianlindezhongyaofengxianzhiyi，duiqiyedejingyingxiaoyijiqiyedezhanlvemubiaozhiding、shishidouyouzhezhongyaoyingxiang。yixiangzhenduimeiguo200gegongyongshiyeqiyejinxingdediaochaxianshi，80%deqiyejiangtianqizuoweiyingxiangqiyingyuzhuangkuangdezhongyaoyinsu，50%deqiyerenweibulitianqiyingxiangleqiyeyeji。tianqifengxianduiqiyeyingyuhexianjinliudechongjizaiyu，tianqibianhuajianggaibianqiyedeyonghuxuqiu，zheishiyigeyuxuqiuliangshuipingyouguandegainian，jijiaoyiliangfengxian。biru，nuandongjiangdilequnuanyongtianranqihedianlixuqiu，youbaogaozhichu，shounuandongyingxiang，meiguoyixietianranqigongsidangjishourujianshaoda15%。chunengyuanqiyewai，duitianqimingandexingyehaibaokuonongye、yuleye、jianzhuyehelvyouyedeng，tianqibianhuazhijieyingxianglezheixiexingyedejingyingguimoheshouyi。
weilejiejuetianqifengxianduiguominjingjifazhan、qiyejingying、nongyeshengchandengfangmiandezhongdayingxiang，juecezhezailishishangcaiquleduozhongzhanlveheduicelaiguanlitianqifengxian，fangshikeyifenweisandalei，jifengxianxiaojian、fengxianzhuanyihefengxianbaoliu。yizhishuweijichudefengxianzhuanyichanpin（index-based risk-transfer products）zhengshiyizhongyouxiaodezhuanyiyanzhongtianqishijianfengxiandechuangxinxingchanpin。
yizhishuweijichudefengxianzhuanyichanpinkefenweizhishubaoxianchanpinhezhishuyanshengpinchanpin，zuoweizhongyaodetianqifengxianguanlijinronggongju，yuzhipipeidetianqizhishubaoxianzhiduyutianqiyanshengpinshichangkuaisufazhanchengshu，zheiliangzhongzhiduhuxiangyicun，gongtongfendanguominjingjiyunxing、nongyeshengchan、qiyejingyingdengguochengzhongdetianqifengxian，diandinglexiandaiqixiangjinrongshichangfazhandejishi。
二、国际上天气指数保险的实践与发展
tianqizhishubaoxiandegainianzuizaochuxianzai20shiji90niandaihouqi，youyubaoxianzhiduduizhengfujueceheshehuiwendingyunxingdezhongyaoxing，tianqizhishubaoxianzuizaobeidaguimoyingyongzaiyutianqiqiangxiangguandenongyelingyuheduitianqimingandeshangyelingyu。suizhefadaguojiabaoxianzhidudewanshanhefazhan，tianqizhishubaoxianyemanmanshentoudaorenmendeyishizhuxinggelingyu。baoxiangongsibatianqiyinsuduixingyesunhaichengdujinxingzhishuhua，meigezhishujunyouduiyingdexingyesunyi，baoxianhetongyicizhishuweijichu，dangzhishudadaoyidingshuipingshiyoubaoxiangongsixiangtoubaorenjinxingpeifu。youyuchuantongnongyetianqifengxianguanligongjucunzaijiaogaodedaodefengxianhenixiangxuanzekenengxing，tianqizhishubaoxianzuoweichuantongnongyebaoxiandetidaipinriyishoudaozhengfuzhongshi。
泛亚电竞 fadaguojiayouyubaoxianzhidufada，tianqizhishubaoxiankaizhandeyebijiaozao。ribenshizuizaokaizhantianqizhishubaoxiandeguojia，1999nian，ribensanjingzhuyoubaoxiangongsishoucichushoutianqizhishubaoxian。suizhetianqizhishubaoxianzhidudewanshan，yougengduoderibenbaoxiangongsicanyudaotianqizhishubaoxianjingyinghuodongzhong。2000-2013nian，ribentianqizhishubaoxianshichangguimomeinianzengzhangsududadaole20%。dazangshengyujinrongjianshitingzai2013nian11yuefabudetongjishujuxianshi，tianqizhishubaoxianshichangzongeyijingtupole1000yiriyuan，qizhongzuijudaibiaoxingdebaoxianchanpinweisanjingzhuyoubaoxiangongsituichude“yinghuaxian”。zairiben，meinianguanshangyinghuashiribenrenzuiweizhongshideyigehuodongzhiyi，sanjingzhuyoubaoxiangongsiweituoqixiangzhuanjiazonghekaochaleribenjin30nianyinghuakaifangguilv，zaijiehedangnianwendubianhuaqingkuangjirizhaoshizhangdengtiaojian，fenxizheixieyinsuduiyinghuakaifangdeyingxiang，bingzaicijichushangyuceyinghuakaifangdeshijian。toubaodelvxingshe、xiuxianyulechangsuoyijiqitakehukeyigenjubaoxiangongsideyuceanpaixiangguanricheng，ruguoyinghuakaifangshijianyuyucebufu，kehujikehuoqupeichang。
yingguozuizaodetianqizhishubaoxianweijiangyuzhishubaoxian。yingguobaoxiangongsiyuqixiangbumenhezuo，duiyingguogedidejiangyuliangjinxingfenxi，huizhichengyingguoquanguonianheyuepingjunyuliangtu，zuoweizhidingbaoxianfeilvdeyiju，bingjiangquanguohuafenwei2000gebutongdengjidebaoxianfeilvqu，toubaorenzaiyudaojiangyushijikeanzhaosuozaidiqudefeilvhuodepeichang。rujin，tianqizhishubaoxianyijingjinruyingguorenshenghuozhongdegegelingyu，fanshiyuqihouyouguandehuwaihuodong，zhurugaoerfuqiusai、huahuizhanlan、guaguojie、waichulvyoudeng，renmendaduodouhuiyuxiangoumaitianqixian。
zaixibanyayigejiaotaiyanghaiandelvyoushengdi，dangdidebaoxiangongsikaifaleyikuanmingweiyangguangbaoxiandetianqizhishubaoxianchanpin。qibaoxianneirongshi: youkeruozaitaiyanghaian21tiandeyouwanzhong，you4gebaitianxiayu，zebaoxiangongsipeichangbeibaoxianren3zhoukaixiaodeyibanfeiyong；ruguoyudao7tianxiayu，zepeichangqiquanbufeiyong。
泛亚电竞 tongshi，yuelaiyueduodezhishuhuafengxianzhuanyichanpinzaiweifazhanzhongguojiadenongyetigongfanyadianjing。qizhong，shijieyinxing（world bank）shibatianqizhishubaoxianyingyongyujiejuenongyefengxianwentidechangdaozhe，qiweifazhanzhongguojiayixiliejiyutianqizhishudeweixingbaoxian（wibm）tigongzijinzhichi，yongyiceshiyijiangshuiliangzhishubaoxianweizhudexiangmuyunxingqingkuang。chushijieyinxingwai，guojinongyefazhanjijin（ifad）、lianheguoshijieliangshijihuashu（wfp）dengguojizuzhiyefeichangzhongshiqixiangzhishubaoxianzainongyezhongdeyingyong。
yinduyu1999nianzaishijieyinxinghelianheguoliangnongzuzhidezhichixia，kaishizaiquanguotuixingnongyebaoxianjihua（nais）。zi2003niankaishi，shidiantuixingtianqizhishunongyebaoxianxiangmu，yunxuyindunongyehezuosheheyindugongyexindaitouziyinxingtongguonongcunshangyeyinxing、nongyexindaiyinxingzaicunzhendefenzhijigouxiangnonghutigongtianqizhishubaoxianhetong。2010nian，zaishijieyinxingdezhijiezhichixia，yindunongyebaoxiangongsi（aic）kaifaleduozhongshiyiyindunongyedetianqizhishubaoxianchanpin，gaijinleyuanyoudenaisjihua，xingchenglexindenongyetianqibaoxianjihua（wbcis）。aiccong2010niankaishixiaoshouwbcisjihua，2010nianzaiquanguogongqiandingle13wanfenbaodan，chengbaonongzuowumianjidadaole10.67wangongqing；dao2013nian，chengbaonongzuowumianjidaoda93.33wangongqing，gongxiaoshoubaodan103.8wanfen，shouqubaofeizongedadao15.6yilubu，chengbaozongjinedadaole190.6yilubu，gongpeifu10yilubu，peifulvchaoguo70%。yindunongyebaoxiangongsizaitianqizhishubaoxianshangshixianyingli，yinglibilichaoguochuantongdenaisjihua。
三、国际上天气衍生品市场的实践与发展
泛亚电竞 （yi）tianqiyanshengpindeguojishichangshijian
泛亚电竞 tianqiyanshengpinzuizaochanshengyu1997niandemeiguonengyuanxingye，gainiandeeerninuoxianxianghuanxinglemeiguodaxingnengyuangongsiduitianqifengxianderenzhi，caiquleyixieyingduitianqifengxiandechuangxinjucuo。gainianqiutian，keshigongye（koch industries）yuanrangongsi（enron corporation）shouchuanglezhizaizhuanyitianqifengxiandejiaoyi，biaozhizhetianqiyanshengpinshichangdedansheng。
泛亚电竞 suizhetianqiyanshengpinjiaoyichengxianpengbofazhan，shenzhizaijiejueshichangweisuohuofayushouzufangmiandoufahuilejudazuoyong。jianadaxuedimotuocheshengchanshangbombardiergongsizaixiaoshouxuedimotuoguochengzhongfaxianyixiekehudanxintianqibianhua，wangwangdengdaoxiadaxuezhihouzaigoumaixuedimotuo，congeryingxiangleshichangkuozhang。yushibombardierzaidongjilailinzhiqianzaimeiguozhongxibude16gechengshitiqianxiaoshouxuedimotuo，binghexiaofeizheyuedingruguodongjijiangxueliangbudaodangdiguoqu3nianpingjunjiangxueliangdeyiban，goumailexuedimotuodexiaofeizhekeyinahui1000meiyuan。weilefendanfengxian，bombardierheanrangongsiyueding，meimaichuyitaixuedimotuojiuxianganrangongsizhifuyibifeiyong，tongshianrangongsichengnuozaijiangxueliangbuzuguoqu3nianpingjunshuipingdeyibanshi，xianggoumailebombardiergongsishengchandexuedimotuokehuzhifu1000meiyuan。tongguozheiyijiaoyibombardiergongsidangnianxiaoshouezengzhangle38%，tongguozhuanyitianqifengxian，zengjialexiaoliangheyingli、kuodaleshichang，xingchengleshifanxiaoying，xiyinqitagongsihejigouyekaishijijijierutianqifengxianjiaoyizhonglai。
泛亚电竞 shichangjianlichuqi，tianqiyanshengpinshiyichangwaiyiduiyijutaijiaoyi（otc）xingshijinxingde，suizheshichangdexunsukuoda，jiaoyizhecunzaizhejiangdijiaoyichengben、tigaoliudongxinghejiangdixinyongfengxiandengfangmiansuqiu，zheishideduitianqiyanshengpinzaijiaoyisuoyibiaozhunhuaheyuexingshijinxingjiaoyidexuqiuriyizengzhang。yushi，1999nian9yue，meiguozhijiageshangpinjiaoyisuo（cme）lvxiantuichulebiaozhunhuadetianqiyanshengpinjiaoyi，cihou，lundunguojiajinrongqihuojiaoyisuo（liffe）、fenlanheerxinjijiaoyisuodengluxukaishiguapaijiaoyitianqiyanshengpin，tianqiyanshengpindejiaoyifangshizhubucongchangwaijiaoyifazhandaochangneijiaoyi。
suizhechangneijiaoyidexingqi，tianqiyanshengpinshichangguimohuodelejidadefazhan。2001-2006nian，tianqiyanshengpinshichangguimochengzhuniandizengdequshi。youqishi2006nian，youyuyinxing、zaibaoxiangongsihejijingongsidengjinrongjigoujinrushichang，shideshichangguimokongqiantigao，gaoda452yimeiyuan。dan2007nian，shoumeiguocidaiweijideyingxiang，qishichangjiaoyixiajiangleyibanyishang。yucitongshi，shichangjiaoyidebodongxingyexiangyingzengda，you2007niande192yimeiyuanshangshengwei2008niande320yimeiyuan，dan2009nianquezaicijiangwei151yimeiyuan。
泛亚电竞 tu1 2001-2009nianquanqiutianqiyanshengpinshichangjiaoyizongliang
（资料来源:泛亚电竞_泛亚电竞注册-官网APP下载
genjushijietianqifengxianguanlixiehui（wrma）tongji，2000nianyilai，tianqiyanshengpinjiaoyishuechu2007nianhe2009nianyousuoxiajiangyiwaiyizhichengzengzhangqushi，nianpingjunzengzhanglvdadaole3.2%zuoyou，jiezhi2013nian，quanqiutianqiyanshengpinshichangzhangmujiaoyizongeyijingtupole520yimeiyuan。meiguozhijiageshangpinjiaoyisuoxuanbu，2014nian1-3yuezaicmejiaoyidetianqiyanshengpinqihuoyuqiquanheyuezongliangyijingchaoguole2013nianquannianzonghe，dadaole1122511bi，2013nianquannianchengjiaoliangwei1104589bi，zengzhangxunmeng。
泛亚电竞 qiyuanyunengyuanbumendetianqiyanshengpinshichang，xianyifazhanchengweihangaiduozhongxingyedeshichang。muqiandeshichangcanyuzhezhuyaoyoutuidongzhe（baokuozaibaoxiangongsi、touziyinxing、duichongjijinhenengyuangongsi）hezhongduanyonghu（rulingshou、xiuxian、jianzhuxingyedegongsi）。xuqiufangyoutianqifengxiandetaoqibaozhizhehetoujizhe，taoqibaozhizhedaduolaiziduotianqifengxianmingandenongye、nengyuan、jiaotongdengxingye，keliyongtianqiyanshengpinlaiduichonghuopinghuamianlindetianqifengxian；toujizhezeliyongtianqiyanshengpinlaiyouhuaqizichanzuhejiegou，baohanjijin、yinxing、baoxiangongsihezaibaoxiangongsidengjinrongjigou。tianqiyanshengpindegongjifangzhuyaobaokuohunyejingyinggongsi、yinxing、jiaoyijingjirenhefuzhujigou。
泛亚电竞 tu2 tianqiyanshengpinjiaoyishichangcanyuzhefenbuqingkuang
泛亚电竞 tianqiyanshengpinshichangdekuaisufazhandeyiyusangeyinsudetuidong: （1）zibenshichangyubaoxianshichangdejiehe。youyutianqifengxianyujinrongshichangfengxiandexiangguanxinghendi，touzitianqiyanshengpinyouliyufensanfengxian。（2）biaozhunhuadechangneijiaoyi。1999niantianqiyanshengpinkaishijinxingguifanhuachangneijiaoyijidacujinleshichangjiaoyiguimo。（3）qihoubiannuan、tanpaifangyijitanjiaoyidengyuelaiyuechengweiquanqiujingjijiaodian，zheixieyeweishichangfazhanzengtianledongli。
（er）tianqiyanshengchanpindezhonglei
tianqiyanshengchanpinzhongleifanduo，baokuotianqiqihuo、tianqiqiquan、tianqihuhuanhetaobaoqiquandeng，muqianshichangshangjiaoyizuiguangfandepinzhongshitianqiqihuohetianqiqiquan，fengxianleixingzhuyaohaishiyimeiguowenduzhishuweibiaodedeqiwenheyue（zhirerizhishuhddhezhilengrizhishucdd）weizhu，danshijinnianlai，ouzhoushuangdongzhishu（mfdf）、ouzhoujijiexingshuangdongzhishu（sfdf）、meiguoyuedujiangxuezhishu（msif）、jijiexingjiangxuezhishu（sssif）、jufengzhishu（chi）dengqihuoheqiquanheyueyeyuelaiyueduo。ciwai，haiyouyixiefazhanzhongguojiadetianqizhishuheyueyezhujianxingqi。
1．tianqiqihuo
tianqiqihuozhong，jiaoyibiaodewushijiyutianqizhishudehuobijiazhi，erfeitianqizhishubenshen，heyuetongguoxianjinjiaogejiesuan。zaijiaoyisuojiaoyideheyuedoushibiaozhunhuaheyue，qixianyibanwei1geyue，danjiujutiqihuozhongleieryan，qijiage、jiaoyifangshihejiaogeriqi、zhishulaiyuandizegeyouchayi。
yiwenduzhishuqihuoweili，xiajidianlixiaohaoliangyuwenduyoumiqiedeguanxi，ruoxiajiwendudi，juminjiqiyetongguokongdiaojiangwendexuqiujiuhuimingxianxiajiang，dianlixiaohaoliangyehuixiangyingjianshao。dianliqiyekeyitongguowenduzhishuqihuoguibiliangxiadailaidexiaoshouliangjiangdifengxian，biru，moudianliqiyemeinian8yuefenpingjundianlixiaoshouliangyuewei2000wanqianwashi，youyujinnianxiajiqiwendiyuzhengchangshuiping，qi8yuefendianlixiaoshouliangbipingjunshuipingjiangdile10%，anzhao0.25yuan/qianwashidechuchangjiajisuan，yuesunshi50wanyuan，gaidianliqiyetiqianzaiqihuoshichangzhongyi51.50dedianweimaichuwenduzhishuqihuoheyue500shou，youyushijiwendudiyupingjunshuiping，yinciwenduzhishuqihuoyechengxiadiezoushi，dianliqiyeyu50.40dedianweipingcang，gonghuoli550000yuan（wenduzhishuqihuoheyuechengshuwei1000），wanquanmibulexianhuoshichangdekuisunbinghuoli。
2．tianqiqiquan
泛亚电竞 tianqiqiquanshiyizhongqihuoqiquan，biaoshitouzizhezaiweilaimouyiriqimaimaimouyigetianqiqihuoheyue，baokuokanzhangqiquanhekandieqiquanliangzhong。kanzhangqiquankeyishifengxianbaoluzhetongguomairuqiquanerhuodedeshourubufenhuoquanbumibuyinjiduanrelengtianqiyinsuzaochengdejingjisunshi。kandieqiquankeyishishichangtoujizheyutaoqibaozhizhehuoqukenengdeewaishouyi。
2006nian，shijieliangshijihuashugoumaileyifenleijijiangyukanzhangqiquanheyueyonglaichoujiyingjifeiyongyiyingduiganhanduiaisaiebiyanongzuowudeyingxiang，heyueqixianweiweilaide3-10geyue，heyuebiaodezhishuweijiyufenbuzaiaisaiebiya26geqixiangguancezhandianqixiangshujuzhuanhuandeyilanzishuifenxiepozhishu。ruguonongzuowudeshuifenxiepozhishugaoyuyuedingshuiping，neimebiaoshiheyueqijiantianqishiganhande，shijieliangshijihuashujiuhuixuanzexingquan，tongguozheizhongfangshinenggoushixianyingjizijinxunsudaowei，youliyujishiduiaisaiebiyajinxingyuanzhu；ruguoshuifenxiepozhishudiyuyuedingshuiping，neijiubiaoshiheyueqijiantianqibushiganhande，shijieliangshijihuashujiuhuifangqixingquan。zuizhong2006nianaisaiebiyadejiangshuilianggaoyulishipingjunshuiping，yincishijieliangshijihuashumeiyouxuanzexingquan，jiangshuizhishuqiquandechenggongyingyongweijianlitianqifengxianguibijizhitigonglehenhaodejiejianyiyi。
泛亚电竞 3．tianqihuhuan
泛亚电竞 tianqihuhuanshizhiyuedinglianggerenhuolianggeyishangdangshiren，anzhaoshixianyueding，zaiguidingdeshijiannei，jinxingyixiliexianjinliujiaohuan，congerjiaohuanfengxiandeheyue。tianqihuhuanzuoweiyizhongjinrongyanshenggongju，yibanzaichangwaijiaoyi，jutijiaoqianglinghuoxing。
泛亚电竞 jiujutiqihoufengxianeryan，tianqihuhuandeshuangfangsuomianlindemouzhongfengxian，tayinqidejieguojuyoufanxiangxiangguanxing，jizheizhongfengxianduiyifangeryanshiyoulide，duilingyifangzehuidailaisunshi。ruxiajijiangshuiguoduoyouliyushuilifadianqiye，quehuishikanghongyalizengda，zengjiazhengfucaizhengfudan。yinci，keyitongguotianqihuhuanheyue，jianghuhuanshuangfangdeshouruwendingzaitedingshuiping，guibiqihoufengxian。
4．taobaoqiquan
taobaoqiquanshizhangqikandieqiquanheduanqikanzhangqiquan（huoxiangfan）xiangjiehedetianqiyanshengchanpin，liyongtaobaoqiquanmaiquanhemaiquandetongshishiyong，kejianggongsishouruwendingzaitedingfanweinei，congerdadaoguibitianqifengxianzuoyong。
四、中国气象金融市场发展现状及存在问题
tianqizhishubaoxianjitianqiyanshengpinzhidushiyizhongxinxingdejinrongzhidu，zaiguowaifadaguojiafazhandelishibijiaoduanzan，duizhongguoeryan，jibenhaishichuzaiduijutitianqizhishubaoxianchanpinhuotianqiyanshengchanpindeshidianshiyandechubufazhanjieduan，shichangchengshuchengduyuanyuanbugou，yincijixudalifazhanzheiliangzhongxinxingtianqifengxianguanlijinronggongju，tuidongtianqizhishubaoxianzhidujitianqiyanshengpinshichangdejianlihewanshan，weizhongguonongye、shangyejigerentianqifengxianguanlixuqiutigongbaozhang。
（yi）zhongguotianqizhishubaoxianzhidudefazhanxianzhuangjicunzaidewenti
泛亚电竞 1．zhongguotianqizhishubaoxianzhidudefazhanxianzhuang
泛亚电竞 fanyadianjingguohenzaojikaishileduitianqizhishubaoxianyingyongdetansuoheshidiangongzuo，2007nian6yue，nongyebu、guojinongyefazhanjijinhelianheguoshijieliangshijihuashudengjigou，zaibeijinggongtongshangtaokaizhannongcuncuiruodiqutianqizhishunongyebaoxiandehezuo，zhizaitigaozhongguoxiaoxingnonghuyingduizaihaifengxiandenengli。2008nian4yue，nongyebudaibiaozhongguozhengfuyushijieliangshijihuashu、guojinongyefazhanjijinhuiqianshule“nongyetianqizhishunongyebaoxianhezuobeiwanglu”，jihua2-3nianneizaianhuishengzhangfengxianshidiantianqizhishubaoxianchanpin。cong2008nian4yuekaishi，anhuiguoyuannongyebaoxiangongsizainongyebu、shijieliangshijihuashu、guojinongyefazhanjijinhuihezhongguonongyekexueyuandengjigoudezhichixia，yanfashejinongyetianqizhishubaoxianchanpin。dao2009nian1yuekaifachuyizhangfengxianweiyangbendeshuidaozhongzhitianqizhishubaoxianchanpin，5yuefenshunlitongguolebaojianhuibeianshencha。zheikuanshidianchanpinzhuyaoshejileleijijiangshuiliangzhishu、leijiwenduzhishu、leijiganhanpinlvzhishu3gefengxianzhishu，quelilexiangguandetianqizhishuhetongneirong。2009nian6yuefen，anhuiguoyuannongyebaoxiangongsiyuzhangfengxianshuihuzhen482hunongminqiandingleyue84.67gongqing、baoxianjinewei39wanyuandeshuidaozhongzhitianqizhishubaoxianhetong，zheibiaozhizhefanyadianjingguozaitianqizhishubaoxianshangdeshijiantansuozhengshikaizhan。
泛亚电竞 cong2009niandikaishizhijin，zhongguoyouxianhouyoulefujiantaifengqixiangzhishubaoxian、zhejiangshuidaotianqizhishubaoxian、guangzhouxiangjiaoganzhefenglizhishubaoxian、shanghaitianguameiyuzhishubaoxiandengduogenongyetianqizhishubaoxianchanpindeshidianhetuiguang。2014nian8yue13ri，guowuyuanchutaile《guanyujiakuaifazhanxiandaibaoxianfanyadianjingyederuoganyijian》，tichu“jiangbaoxiannaruzaihaishigufangfanjiuzhutixi”、“tansuotianqizhishubaoxiandengxinxingchanpinhefanyadianjing”、“jianlijuzaibaoxianzhidu”deng，congbaozhangshehuiminshengdezhanlvegaoduquedinglejuzaibaoxianhetianqizhishubaoxiandediweihezuoyong。
tianqizhishubaoxianzainongyelingyuneidepengbofazhanyinqilezhongguobaoxianyejiedezhongshi，cong2013niankaishizhenduigerenshenghuolingyudetianqizhishubaoxianyingyunersheng。2013nian，anliancaixiangongsiyutaobaobaoxiangongtongtuichuguoneidiyikuantianqileibaoxianchanpin——“zhongqiushangyuexian”，cikuanbaoxianyuedingzai2013nian9yue19rizhongqiujiedangtian20shi-24shi，toubaorensuozaishangyuechengshiyintianqiyuanyin（yintianhuoxiayu）bubianshangyue，baoxiangongsixiangtoubaorenzhifushangyuebubianjintie。youyucikuantianqibaoxianweiduitianqijinxingzhishuhua，erqieyushangyueyouguandexinxijinshibeifangzai“fujiabaoxianzeren”，qi“zhubaoxianzeren”rengweizhongqiujiedangtianderenshenyiwaixian，suoyijinbeikanzuoshiyiciduitianqizhishubaoxiandechangshi。
2014nian5yue23ri，tianqikeji（beijing）youxiangongsilianhezhongguozuidadehulianwangbaoxiangongsizhonganbaoxiantuichulezhongguoshoukuanmianxianggerendetianqizhishuleibaoxianchanpin“37℃gaowenxian”，fugaiguonei30gezhuyaochengshi，baokuonanjing、nanchang、zhongqing、wuhan、hangzhou、fuzhoudengxinlao“sidahuolu”chengshi。gaowenxianmeifenbaodanbaofeiwei10yuan，xiangou99fen。gaichanpintoubaochenggonghou，zai2014nian6yue21ri-8yue23riqijian，ruotoubaorensuozaichengshichuxian37℃jiyishangdegaowenri，yidangaowenleijitianshuchaoguoyuedingdemianzetianshu，zekeyihuodegaowenjintiebuchang。chaoguomianpeitianshuhoumeifashengyici37℃yishangdegaowenri，toubaorenjikemeirilingqu5yuan/fendegaowenjintie，meifenbaodanzuiduokeleijilingqu100yuandebaoxianjin。zhonganbaoxiangenjutianqikeji（beijing）youxiangongsitigongdegechengshishijiqiwenshujuzidongjisuan，zaifuhelipeitiaojianshianrijishizhifubaoxianjin，quanchengtoubaorenwuxutigongrenheziliao。
泛亚电竞 yihangzhouweili，ruohua10yuangoumaileyifen“37℃gaowenxian”，anzhaobaoxianhetongyueding，gaichengshidemianpeitianshuwei25tian。neimezai2014nian6yue21ri-8yue23ridebaoxianshengxiaoqijian，ruohangzhouleijichuxianle25tian≥37℃degaowenri，zetoubaorenkeyicongdi26ge≥37℃degaowenrikaishilingqubaoxianjintie，meitian5yuan，zuigaolingqujineshangxianwei100yuan，jizuiduokelingqu20tian。rubaoxianqixiannei，hangzhouleijichuxian≥37℃degaowenrizhiyou25tian，zezaimianpeitianshunei，buyupeifu。
suihou，tianqikeji（beijing）youxiangongsiyoulianhezhonganbaoxian、yianbaoxiantuichumianxiangxiechengwangyonghudelvyoujiangyutianqizhishubaoxian、mianxiangmeidekongdiaodegaowenxian、mianxiangguojiadianwangdedianfeigaowenbutiehemianxiangdishinidelvyouhaoxinqingxiandengduokuantianqizhishubaoxianchanpin。yidishinilvyouhaoxinqingxianweili，youkezhixuhuafei25yuangoumai，buxuyaotigongrenhelipeizhengming，zaishanghaidishiniyouyuanshiyushanggaowen、dayudengbubianqingkuangshi，jiunenghuodebuchang。youkezaiyouyuandangriyudaodayu，jikehuode100yuanbuchang；youyuandangriqiwengaoyuhuodengyu37℃，yekehuode50yuandebuchang。tianqikeji（beijing）youxiangongsilianhebaoxiangongsiyizaiwendu、jiangshuidengduogeweiduweiqiyehuogerentigongtianqifengxianguanlifanyadianjing，junqudelelianghaodeshehuifanxianghejingjixiaoyi。
2．zhongguotianqizhishubaoxianzhiduzhongcunzaidewenti
泛亚电竞 suiranruci，cong2009nianzhijin，zhongguotianqizhishubaoxianzaiguoneidefazhanrengcunzaiyixiewenti: （1）duoshutianqizhishubaoxianjuncaiyongjititoubaofangshi，nongminshouzhongmeiyoubaodan，duibaoxianneirongbulejie，duitianqizhishubaoxiandeyiyijiyunzuofangshijibenshangchuyubuzhiqingzhuangkuang。（2）tianqizhishubaoxianzaizhongguoganggangqibu，nongyebaoxiangongsishouqubaofeihepeifushuipingjunpiandi，hennanmanzuqixiangzaihaihoudepeifuxuqiu。（3）muqiandetianqizhishubaoxianrengyizhishuhuadenongzuowuchanliangweibaozhangbiaodewu，erchanliangyutianqizhishudeguanxijiweifuza，zheijiudaozhiyikuantianqizhishubaoxianchanpindeyanjiukaifahaoshijizhang，guanximoxingdezhunquexingyeyoudaikaozheng，yuanburuyinongshihuodongweibaozhangbiaodewudetianqizhishubaoxianchanpinlinghuo，biruzaishougedeshihoufashenglianxuxingjiangshuishibiyingxiangnongzuowuchanliang。（4）tianqizhishubaoxianshiyizhongzhuanyexingjigaodebaoxianchanpin，duitianqishujushoujichulidejishushuipingyaoqiuhengao，yibandenongyebaoxiangongsimeiyouzheiyangdejishunengli，buliyutianqizhishubaoxiandefazhan。（5）zhenduigerenhuoqiyedetianqizhishubaoxianshuyuxinshengshiwu，shichangjieshoudubugao，rengxushijiankaizhanshichangtuiguanghexuanchuan。
泛亚电竞 （er）zhongguotianqiyanshengpinshichangdefazhanxianzhuang
xiangjiaotianqizhishubaoxianzaiguoneidetansuo，zhongguotianqiyanshengpinshichanghaiweijianliqilai，duitianqiyanshenggongjudelejieheyingyongshangchuzaiqibujieduan。cong2002niankaishi，tianqikeji（beijing）youxiangongsiyudalianshangpinjiaoyisuokaishiduitianqiyanshengchanpinjinxingyanjiu，congnongyeshengchan、renkoushuliangmidu、dianlijitianranqixiaohaoliangdengzhuduojiaodujinxingyanfasheji，xuanqufenxijin70gechengshijin30niandewendubianhuatezhengjijiangshui、shuangdongqingkuang，weitianqiqihuoheyueshejitigongkekaoyiju，bingchubushejiletianqiyanshengpinzhongheyue。suihou，2009nianshanghaiqihuojiaoyisuo、zhengzhoushangpinjiaoyisuoyijizhongguojinrongqihuojiaoyisuoyefenbietuichulegezidetianqiyanshengpinheyue。zhici，zhongguotianqiyanshengpinshichangjizhiduchubuxingcheng，danshiyouyuxianjieduanguoneideqihuoshichangyaoqiushiwujiaoge，buyunxuxianjinjiaoge，yinweiyutianqiyanshengpinxiangpeitaodefalvfaguihezhiduhaiweiluodi，yinweimuqianguoneidetianqiyanshengpinshichanghaiyuanweichengshu。
五、中国气象金融市场发展建议
泛亚电竞 qixiangjinrongshichangzaifadaguojiajiyixiefazhanzhongguojiafensantianqifengxianfangmianqidaolejidadezuoyong，shitianqifengxianguanlideyizhongquanxinfazhanfangxiang。tianqizhishubaoxianchanpinyinqichengbenjiaodi、heyuezhouqiduan，zaifazhanzhongguojiayouzhejudadeshichangqianli。guowaidetianqizhishubaoxianjingguoshiyuniandefazhan，youyitaoxiangduichengshudejingyanyuyunzuomoshizhidejiejian。ertianqiyanshengpinjikeyiweinongyeshengchanzhefendanyinweitianqiyinsudailaidefengxian，yekeyiweibaoxiangongsifendanqizishenjingyingfengxian。
suizheguoneishehuihejingjifazhan，nongye、qiyeshenzhigerenduitianqifengxianguanlixuqiuriyifangdahepoqie，zheijiuyaoqiuguoneiqixiangbumengengyingchongfenfahuizaiqixiangziyuandezhudaodiwei，dajianbingwanshanzhongguoqixiangjinrongshichangdejichuyunxinghuanjing，yimanzuqixiangjinrongshichanggecanyuzhedexuqiu。
1. zhubuwanshanqixiangjianceyujingtixiyuqixiangdashujugongxiangpingtai
tianqizhishubaoxianhetianqiyanshengpindejichushiqixiangdashuju，zhangshijianxuliedeqixianglishishujuhezhenduiweilaideyujingyubaoshujushilianghuatianqifengxiandezhongyaozhibiao。buduanwanshanqixiangguanceheshujushoujitixi，jianliqixiangdashujugongkaijizhi，pochuduofangjichuhuanjingshujuxinxibilei，diaodongqixiangjinrongshichangcanyuzhedejijixing，cainengchongfenwajueqixiangdashujuzaiqixiangjinronglingyuneidejiazhi，weiqixiangjinrongshichangdezhangyuanfazhanchuangjianlianghaodewaibuhuanjing。
2. chanyanjiehe，zhubupanhuoshifangchengshudeqixianglilunheqixiangjishu
tianqizhishubaoxianchanpinhetianqiyanshengpindeyanfayilaiyuhangaiduozhongqixiangzhibiaodezonghezhishumoxingdejianli，zheiduiqixianglilun、qixiangkexuefangfa、xianjinqixiangjishudefazhanheyingyongtichulejigaodeyaoqiu。qixiangbumenyingcaiyongchanyanjiehedefangshi，jijipanhuobingxiangshichangshifangshushinianjileidechengshulilun、fangfahejishuziyuan，cujinqixianglilun、qixiangjishudechengguozhuanhua，shixianqixiangziyuandekuaxingyezailiyong。yitianqizhishubaoxianweili，ruhejiangdijichafengxianshidangxiaxuyaojiejuedezhongdianwenti，jimouquyuzaoshoutongyangdezaihai，youdenonghushouzaiyanzhongquemeiyoudedaopeichang，youdenonghumeiyoushouzaiquededaolepeichang，zheizhongxianxiangyuqixiangguancezhanmiduyouguan。ruguotoubaozuowushizhangzaimoushanqudeguoshu，meizaiqixiangzhandefushefanweinei，yidanyushangbingbao、dafengdengjudixingtianqiguocheng，qixiangshujuwufatongguoqixiangzhanbeijiance、jiluxialai，jichafengxianjiujiaogao。jiyuzheizhongxianshiqingkuang，shifoukeyijiezhuqixiangkexuelilunfangfaduiqixiangguanceshujujinxingwanggediantuisuan，zaibuzengjiazhandiandeqingkuangxia，genjumouquyusuochujingdu、weidu、haibagaodu、rizhaoshishudenglaikexuetuisuanqiwendu，jinergoujianqixiangzhishu。
3. jijicanyuqixiangjinrongshichangbiaozhunzhidinggongzuo
泛亚电竞 chongfenfahuishichangxiehuidefanyadianjingzhinengjixiediaonengli，zhudaoqixiangjichushujushiyongbiaozhunhuoxingyebiaozhunguifandezhidinggongzuo，zhengqueyindaoqixiangjinrongshichangcanyuzheduiqixiangziyuanderenzhiheshiyong，birutianqizhishubaoxianchanpinhepeisuoxudeguanceshuju，jiuyinggenjuqixiangguancezhandiandeshujuzhiliangjinxingfenjituijianhuoxianding，yibiantianqizhishubaoxianhuoyanshengpindeshejizhehegoumaizhegenghaodilijieheyingyong。tongshiweilegenghaodifahuiqixiangziyuanzaijinrongxingyedekuaxingyeyingyong，jijicanyujinronglingyuneitianqixiangguanbiaozhundezhidinggongzuo，guifanqixiangjinrongshichangzhongdetianqizhishuchanpin，weihuqixiangjinrongshichangjiankangyunzhuan。
4. tuijinqixiangjinrongshichangfazhanpeitaozhidudefanyadianjing
chutaixiangguanzhengcefaguiyicujinqixiangjinrongshichangdefazhanhewanshan，peiyunengyuanqiye、lvyouqiye、jianzhuqiye、jiaotongyunshudengqiyeyijinongmintongguoqixiangjinrongshichangguibitianqifengxiandeyishi，gulitianqizhishubaoxianhuotianqiyanshengpinshichangdekaifahesheji。