国际农业保险创新产品及其在中国适用性分析

International Innovative Products of Agricultural Insurance and Their Useability in China

农业保险作为分散农业风险最有效的方式之一,是WTO"绿箱"政策允许的农业保护措施,也是推进现代农业发展进程的重要制度安排。但由于传统的农业保险经营方式存在着其自身难以克服的缺陷和不足,农业保险发展缓慢。尽管如此,一些国家不断进行农业保险创新,开发出许多农业保险创新产品。首先分析了传统农业保险经营方式的缺陷和不足,对近年来国际上出现的几种农业保险创新产品进行了介绍,对其在中国的适用性进行了探讨,认为收入保险虽然在美国、加拿大等发达国家发展良好,但目前尚不适合中国;而指数保险却可以加以引进和使用,并需不断完善。

As one of the most effective methods to disperse agricultural risks, agricultural insurance is not only an agricultural protective measure promised by the ＂green box＂ policies of WT0, but also an institutional arrangement to accelerate the modernization of agriculture. Because of the defects of traditional agricuhureinsurance products, some countries have developed many innovative products. This paper introduces these new products, and then discusses their useability in China. Our main finding is that revenue insurance suitalbe for developed countries such as USA and Canada, but not suitable for China at present However, index insurance can be introduced and needs to be kept pefect.