论农业保险经营中的技术障碍与技术选择

Technique Obstacles and Selections of Agricultural Insurance Operation

农业保险是财产保险中特殊的一类。由于农业风险可保性差、风险单位大、区域性强等特点,在农业保险经营中,厘定保险费率、界定保险责任、防范道德风险、定损理赔以及分散巨灾损失等方面都存在特殊的技术障碍,普通财产保险经营技术难以奏效。在分析这些技术障碍的基础上,研究了农业保险经营中独特的技术选择。

Agricultural insurance is a special kind of property insurance. Since agricultural risk is not ideally insurable, with highly risky unit and regional characteristics, there exist special technique obstacles in such aspects as pricing, delimiting the insurance liability, taking precautions against moral bayard, claim adjustment, dispersing catastrophic loss. Therefore, in the course of agricultural insurance operation, the common property insurance operation techniques couldn＇t work well. Basing on the analysis of the technique obstacles, the article studies the unique technique selection to solve these obstacles.