农业保险是私人物品吗

Is the Agricultural Insurance Private Goods?

国内学者普遍认为农业保险不是私人物品,而是准公共物品。官兵(2008)却独树一帜,认为农业保险不是公共物品,而是私人物品。然而,他仅反驳了"农业保险是公共物品"的观点,就得出农业保险是私人物品的结论,这值得商榷。农业保险不是公共物品,也不是私人物品,而是介于公共物品与私人物品之间、更接近于私人物品的准公共物品。所以,发展农业保险,必须从政策性农业保险和商业性农业保险相结合上寻求破解之道。

Chinese scholars generally hold that the agricultural insurance does not fall into the category of private goods but the quasi - public goods. However, Guan （2008） believes that the agricultural insurance is not public goods but private goods, which is open to question merely based on his refutation of the view that the agricultural insurance should be public goods. This author argues that the agricultural insurance should be neither public goods nor private goods, but the goods between the two which can be regarded as quasi - public goods sharing more features of private goods. It is suggested that a solution to the problem in developing the agricultural insurance should be found through the combination of the policy agricultural insurance and the commercial one.