美国农业保险财政补贴机制研究回顾——兼对中国政策性农业保险补贴的评析

The review of fiscal subsidy system for agricultural insurance in the United States——An analysis on the subsidy for policy agricultural insurance in China

美国农作物保险财政补贴机制推动了农作物保险的快速发展,同时,高额的财政补贴也对农户、保险公司等微观主体的行为产生影响,其经验和教训是:政策效果不尽如人意、财政补贴的耗散情况突出、财政压力不断加大。基于我国现有农业保险财政补贴制度的特点,提出完善农业保险财政补贴制度的建议:适当提高对农户的保费补贴,改进对保险公司的财政补贴,逐步完善中央财政支持体系。

The fiscal subsidy system for agricultural insurance in the United States accelerated the development of its agriculrural insurance, at the same, the high-level subsidy system also impacted on the activities of micro-entities such as farmers and insurance companies. The experiences and lessons of the American system are that ： the effect of this policy leaves much to be expected, the waste of fiscal subsidy is a serious problem, and the fiscal pressure keeps mounting, On the basis of China＇s subsidy system to agricultural insurance, the paper suggested to improve on the current fiscal subsidy system, increase premium subsidy to farmers, reform fiscal subsidy to insurers, and gradually complete the central fiscal support system.