国外政府介入农业保险模式与制度共性分析

An Analysis of Model and System Common Features of Foreign Government Intervening in Agricultural Insurance

农业保险作为一种特殊的经济补偿制度,是进行农业风险管理的重要措施。农业生产的特殊性决定了农业保险的高风险和高赔付率,致使农业保险经常供给不足,而农业的特殊地位又使农业保险具有很强的社会效益溢出性。对主要国家政府介入农业保险的实践经验进行了模式归类和制度共性分析,并阐述了这种介入共性对我国政府推动农业保险发展的借鉴意义,提出了有限的支持型介入模式。

As a special economic compensation system, the agricultural insurance is an important measure of the agricultural risk management. The particularity of the agricultural production determines the high risk and high loss ratio of agricultural insurance, frequently leading to undersupply of agricultural insurance, while agricultural special position makes agricultural insurance have very strong social benefit spillover. An analysis is made of model classification and system common features for the practical experience of main state government intervening in agricultural insurance. And the paper expounds the reference meaning of this interventional generality for promoting agricultural insurance development in China, then puts forward the limited supportive intervention model.