农业保险是公共品吗?——既有理论的反思与修正

Is Agricultural Insurance Public Good?——Some Theoretical Review and Amendment

本文梳理了指导我国农业保险市场建设的相关理论,着重对在国内流行已久的关于农险是(准)公共品的认识提出了反驳。本文强调了低收入经济中农险市场运行的特殊性,从农业保险能否保障收入以及农险的公共品属性是否可以等同于粮食的公共品属性等两个方面提出了不同意见。本文认为,农险不是公共品,中国农险市场并非市场失灵,而是市场缺失,其原因在于农险制度建设的高昂的固定成本和农险需求的相对不足。据此,本文提出了相应的政策建议。

This paper gives an oppugn on the proposition of agricultural insurance as a public goodo This paper emphasizes the exceptionality of agricultural insurance in low- income economy , and expresses different opinion from two aspects, i. e., whether agricultural insurance can safeguard farmer＇ s income and whether the public- good attribute of agricultural insurance is equal to foodo This paper supposes that agricultural insurance is not a public good, and that Chinese agricultural insurance market does not fail but miss. What results in missing market are costly fixed cost in market construction and relative deficiency in demand for agricultural insuranceo Hereby, this paper gives some advices on developing Chinese agricultural insurance marketo