风险管理视角下探析我国农业保险发展新思路

Research on the New Idea of Agriculture Insurance in China based on Risk Management

从风险管理的视角看,目前我国农业保险规模狭小、范围过窄,尚未有效调动农民、保险经营主体、政府等多方积极性,很难满足保险经营所依赖的大数法则理论,农业保险及其风险分散机制极其脆弱。因此,加快发展农业保险,更好地服务于社会主义新农村建设,其关键环节之一在于建立多层次、广覆盖、可持续、政府与市场共同参与的农业保险及其风险分散机制,这样才能保障农业保险经营的稳定性,从而保证保险经济补偿职能的实现。

From the perspective of the risk management, our agriculture insurance＇s scale is very small and the scope is excessively narrow, which does not mobilize the enthusiasm of peasants, insurance agencies and governments efficiently yet, and is quite difficult to satisfy the Law of large numbers in the insurance management. The agriculture insurance and its risk disperse mechanism is also frail. Therefore to develop agriculture insurance rapidly aimed at serving to the socialism new rural reconstruction well, one of its essential task is to establish the agriculture insurance and the risk disperse mechanism which is multi-level, widely covered, sustainable, and the government and the market participating together, then it can safeguard the stability of the agriculture insurance and thus guarantee to realize the insurance function of economic compensation.