我国农业保险低水平均衡的经济学分析

Economic Analysis for China's Agricultural Insurance Low-level Equilibrium

鉴于我国农业保险市场陷入低水平均衡状态,保费的比例较低、农业保险密度更低已是不容争议的事实。综合运用农民的非正规机制、交易费用理论、信息不对称理论对我国农业保险处于低水平均衡状态的原因进行具体、全面分析和研究。在此基础上提出,矫正低水平的关键在于建立全新的农业保险发展所需的大环境,激活低迷已久的农业保险市场,实现农业保险供需双方高水平的发展。

In view of the fact that China＇s agricultural insurance market are falling into a low-level equilibrium and the propertion of agricultural insurance premium and coverage is at low level,this article holds the special and comprehensive research of its causes through using the farmers＇ non-formal mechanisms and transaction-cost theory,information-asymmetry theory comprehensively.On this basis,the paper puts forward the key issue of correcting the low-level agricultural insurance which involves establishing a new environment which agricultural insurance development needs,activating the long-sluggish agricultural insurance market,achieving a high level of balance.