国内外水产养殖保险市场的比较研究

A comparative study on domestic and overseas aquaculture insurance market

长期以来我国水产养殖保险市场跟现实需求并不相称,一方面养殖者对保险有迫切需要,另一方面保险公司因为赔付率过高而不敢承保。论文通过与该市场开展较好的地区(或国家)比较,分析了造成我国市场失灵既有市场原因、行业自身原因,也有政府原因,认为在当前情况下政府提供有效支持是助其摆脱困境的可行之策,并就经济学依据、有效途径、注意问题做相关论述。

The aquaculture insurance market has been out of proportion to the realistic demand in China for a long time, which manifested the aquaculturists desired urgently while the insurance companies refused underwriting for loss ratios. By comparison between domestic and overseas insurance market, we analyze the reasons to failure, including the market environment, the industry itself and the government neglect. This paper concludes that maybe the effective support of government is a feasible solution in current circumstance by arguing economics basis, valid approach and matters required attention.