政策性保险:我国农业保险制度的创新

Policy Insurance:The Innovation of China's Agricultural Insurance System

顺应WTO新形势 ,建立政策性农业保险已是我国农业保险制度创新的首要任务。促使这一制度变迁的主要动因是收入压力、交易效率、公共物品、环境变动四个因素。实施农民合作保险 ,农业巨灾保险与一般农业险业务分离 ,政策性保险业务商业化运作 ,财政保费补贴支持的政府参与商业保险的混合经营模式 。

Along with the new circumstances of the WTO,building agricultural policy insurance has become the foremost task of system innovation of China's agricultural insurance industry.The main causes for promoting the system transformation lie in income pressure,trade efficiency,public goods and environment change.The most realistic choice for China's agricultural policy insurance is to combine the management model of government with commercial insurance in light of peasant cooperation insurance,separate the operation of agricultural huge disaster insurance from ordinary agricultural insurance and speed up the commercialization of agricultural policy insurance.