2025-05-20-亚开行-尼泊尔各市农作物和中小企业保险试点预可行性研究（英）_64页_1mb

Summary

The Asian Development Bank (ADB) pre-feasibility study recommends parametric insurance as a solution to improve access to financial protection for vulnerable farmers and small enterprises against disasters and crop losses. The report identifies low insurance penetration, cost barriers, and limited awareness as key challenges. Key recommendations include:

1. Parametric Insurance Pilots: Conduct pilots for weather-indexed crop insurance and parametric insurance for small businesses and homeowners, focusing on disasters like floods and earthquakes.
2. Risk Pool Implementation: Create a sub-sovereign insurance pool at the municipal level to centralize risk, reduce premiums, and attract broader participation.
3. Subsidies and Incentives: Optimize government subsidies to ensure affordability, phasing them over time while maintaining crop insurance availability.
4. Data and Infrastructure: Invest in weather stations, remote sensing, and data analytics systems to support risk modeling and claims assessment.
5. Capacity Building: Enhance stakeholder awareness through training, partnerships, and engagement programs, including equipping women as Beema Bahinis to improve inclusion.

The study underscores the need for stronger political commitment and multi-stakeholder alignment for successful pilot implementation. Parametric insurance offers faster payouts and reduced administrative costs, making it a viable tool for disaster risk financing in Nepal.