贵州省政策性农业保险可持续发展研究

农业保险的商业性业务长期处于萎缩状态,其政策性业务虽在近年来有所发展,但规模和覆盖面都尚小。本文基于理论分析和对国外经验的总结,认为在实行政策性农业保险的同时,必须给以一定程度的强制性,做大农业保险规模以确保大数法则和分散原理的实现以及取得规模经济性和降低保费。此外,为防范道德风险,应将政策性农业保险的实施范围与基于公共支出的农业救济、农业补贴严格区别开来。同时还要加大财政支持和实施一系列改革。

The commercial business of Agricultural insurance in the long-term is shrinking,despite its policy business has been developed in recent years,but the scale and coverage are still small.Based on theoretical analysis and a summary of the foreign experience,with the implementation of the policy agricultural insurance,we must give a certain degree of mandatory,big-scale agriculture insurance to ensure that the achievement of principle of law of large numbers and dispersed,obtain economies of scale and lower premiums.In addition,to prevent moral hazard,should distinguished the scope of policy agricultural insurance and agricultural relief on public spending,agricultural subsidies strictly.While also increasing the financial support and implement a series of reforms.