政策性农业保险模式探讨——以甘肃省民乐县马铃薯保险模式为例

Discussion of Policy-oriented Agricultural Insurance Mode——Take Potato Insurance Mode of Minle County in Gansu Province as an Example

对于欠发达地区的甘肃省,农业发展相对落后,农业保险也相应滞后,农业保险发展处于瓶颈阶段。现通过建模分析保险主体行为选择的影响因素,估算财政补贴率和马铃薯种植户实际负担保险费率,构建并检验"合作制农业保险"模式效能。结果显示,合作制农业保险模式在防范风险和激励马铃薯种植的效果显著,是促进马铃薯保险发展的有效途径。

Gansu province, located in undeveloped area, its agricultural development and insurance were relatively backward, and the development of agricultural insurance was in a bottleneck stage. By modeling, we analyzed the factors influencing the selection of insurance behavior, estimated the rate of financial subsidies and the real premium rate of potato farmers, built and tested the effectiveness of cooperative agricultural insurance mode. The results showed that cooperative agricultural insurance mode had a significant effect on preventing risks and encouraging potato planting, which was an effective way to promote the development of potato insurance.