论农业保险经营模式的选择——基于防范信息不对称之上的研究

Choice of Operating Model in Agricultural Insurance——A Study Based on Precautions against Asymmetric Information

信息不对称问题是阻碍农业保险经营与发展的重要障碍,在纯商业化形式不适用的情况下,单纯的政策性农业保险也难以化解此矛盾。“互助合作+联合共保”农险经营模式可以充分发挥农业保险作为一项不可替代的经济补偿制度的作用。

Asymmetric information is a main obstacle to the operation and development of agricultural insurance ： purely commercial model does not work, and completely policy -based agricultural insurance cannot settle the contradiction. The operating model of＂ mutual aid and cooperation ＋ alliance and eoinsurance＂ can give full play to agricultural insurance as an irreplaceable system of economic compensation.