农业保险合作社是防范农业灾害风险的有效组织方式

The Agricultural Insurance Cooperatives:the Effective Organization of Preventing Agricultural Disaster Risks

农业保险市场中存在多种经营模式。其中,农业合作保险以其独具的天然条件能有效避免道德风险及逆向选择道德问题。而农业保险合作社也是农业合作保险惯用的一种经营形式。通过对农民与农业保险合作社之间的完全信息静态博弈模型分析,在理论上更进一步确定了农业合作保险在我国农业保险体系中的必要地位。

There are many business models in agricultural insurance market.Among them,agricultural cooperative insurance with its unique natural conditions could avoid moral hazard and adverse selection effectively.Through complete information static game model between farmers and agricultural insurance cooperatives,in theory,we could further ensure the importance of agricultural insurance cooperatives in our agricultural insurance system.