刍议基于“需求追随型”理论的农业保险

A Tentative Discussion on"Demands-leading"Agricultural Insurance Theory

本文根据主流的农村金融供求理论——帕特里克的"需求追随型"理论,研究基于加快社会主义新农村建设背景下农业保险的供求现状,并提出了农业保险需求决定农业保险供给的有效性、大力发展政策性农业保险、农业保险制度改革需要走出中央政府与地方政府相互博弈的困境、进一步完善我国农业保险相关法律法规等建议。

The paper made a study on the demands and supply of agricultural insurance in the new socialist villages on the basis of the ＂demands-leading＂ theory of Patrick on rural financial demands and supply. It proposed that demands for agricultural insurance determined the effectiveness of agricultural insurance supply and that to develop policy agricultural insurance and reform the current agricultural insurance system, we must overcome the dilemma of battling between central and local governments. It also put forth suggestions on how to further improve on the legislation on agricultural insurance.